For a 40-year-old driver with a clean record, Spokane car insurance averages about $238 a month ($2,854 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 6% below the Washington average of $254 a month. GEICO and State Farm are effectively tied for the lowest full-coverage average of the six insurers we price, at about $161 and $163 a month.
Spokane is the least expensive of the six Washington cities we publish guides for. Our benchmark driver pays about $16 a month less here than the state average and about $54 a month less than in Seattle.
Our data covers 14 ZIP codes with a Spokane mailing address, and they’re priced within about $18 a month of each other, from $229 in 99224 to $247 in 99207.
Cost data comes from the auto rates insurers file with state regulators, priced across all 14 Spokane ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.
Full coverage in Spokane averages $2,854 a year, or about $238 a month, for our benchmark driver. Liability-only coverage at Washington’s 25/50/10 minimum averages $1,001 a year ($83 a month), and 50/100/50 liability with comprehensive and collision averages $2,745 ($229 a month).
Safeco is far more expensive than the other insurers here: its full-coverage average of about $411 a month is 2.0 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Safeco, the Spokane average would be about $203 a month.
GEICO and State Farm are effectively tied for the lowest full-coverage average among the six insurers in our Spokane rate data. USAA, American Family, Travelers and Farmers aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates. Among the published 2026 statewide Washington rate studies we reviewed, GEICO ranks cheapest for full coverage most often, apart from USAA, which sells only to military families; others put American Family, Oregon Mutual or Mutual of Enumclaw first. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among the insurers we price, at about $61 a month, with GEICO close behind at $64.
Full-coverage averages by insurer in Spokane
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $769 | $64 | $1,936 | $161 |
| State Farm | $737 | $61 | $1,951 | $163 |
| Progressive | $936 | $78 | $2,182 | $182 |
| Allstate | $1,139 | $95 | $2,729 | $227 |
| PEMCO | $1,140 | $95 | $3,398 | $283 |
| Safeco | $1,283 | $107 | $4,926 | $411 |
| USAA (military families)* | $450 | $38 | $1,065 | $89 |
| American Family* | $842 | $70 | $1,764 | $147 |
| Travelers* | $951 | $79 | $2,179 | $182 |
| Farmers* | $920 | $77 | $2,247 | $187 |
| Spokane average | $1,001 | $83 | $2,854 | $238 |
This table uses Spokane ZIP codes only. See how we calculated these rates.
Across the 14 Spokane ZIP codes we price, full coverage for our driver ranges from about $229 a month in 99224 to $247 in 99207, a gap of $208 a year.
Lowest-priced Spokane ZIP codes
Highest-priced Spokane ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Spokane’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 99201 | $998 | $83 | $2,927 | $244 | +3% |
| 99202 | $1,026 | $86 | $2,938 | $245 | +3% |
| 99203 | $1,024 | $85 | $2,895 | $241 | +1% |
| 99204 | $987 | $82 | $2,850 | $238 | About average |
| 99205 | $1,035 | $86 | $2,917 | $243 | +2% |
| 99206 | $991 | $83 | $2,810 | $234 | -2% |
| 99207 | $1,046 | $87 | $2,960 | $247 | +4% |
| 99208 | $972 | $81 | $2,799 | $233 | -2% |
| 99212 | $1,006 | $84 | $2,828 | $236 | -1% |
| 99216 | $996 | $83 | $2,796 | $233 | -2% |
| 99217 | $986 | $82 | $2,803 | $234 | -2% |
| 99218 | $1,000 | $83 | $2,842 | $237 | About average |
| 99223 | $994 | $83 | $2,836 | $236 | -1% |
| 99224 | $950 | $79 | $2,752 | $229 | -4% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $109 a year on average in our Spokane data, with the same $500 deductibles. That’s about $9 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Spokane ZIP codes, their full-coverage average fell from $3,105 a year in rates as of Nov. 30, 2025, to $3,037 as of Aug. 31, 2026, a 2.2% drop. State Farm cut its Spokane average 10.1%, Progressive 4.4% and PEMCO 0.6%, while Allstate and Safeco didn’t change theirs. GEICO isn’t in the November 2025 rates, so it’s left out, which is why these averages differ from the Spokane average above. Liability-only coverage at 25/50/10 limits rose 7.4%, led by Progressive, which raised its liability-only average 34.9%.
Eastern Washington costs less to insure than the Puget Sound area in our data. Spokane County averages about $236 a month for full coverage, the 10th-most expensive of the 33 counties we price, well below King County ($283 a month) and Pierce County ($289).
Nearby towns are priced close to the city: Liberty Lake averages about $228 a month, Cheney $226 and Mead $234. Insurers in Washington can price by where a car is kept, which is why neighboring areas can be priced differently.
More Washington cities and towns are in the Washington rates by city table, and you can compare states on our car insurance rates by state page.
Seattle averages $292 a month, Tacoma $305 and Vancouver $253, so Spokane drivers pay less than drivers in every other Washington city guide we publish.
Drivers in Spokane follow Washington’s rules. Every policy must include at least:
Insurers must also include underinsured motorist coverage, which in Washington covers uninsured and hit-and-run drivers too, and personal injury protection, unless you reject them in writing. Our Washington requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Washington law and the Washington Office of the Insurance Commissioner. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Spokane averages about $238 a month ($2,854 a year) and liability-only coverage about $83 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 6% below the Washington average of $254 a month.
GEICO and State Farm are effectively tied for the lowest full-coverage average in our Spokane rate data, at about $161 and $163 a month. Progressive’s average is next, at $182. For liability-only coverage, State Farm has the lowest average, at about $61 a month. USAA, American Family, Travelers and Farmers aren’t in the Quadrant rate data we analyze, but the published 2026 statewide Washington rate studies we reviewed most often rank GEICO cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Spokane full coverage averages about $238 a month and Seattle about $292, a difference of about $54 a month for the same driver and car.
In our data, 99224 has the lowest full-coverage average in Spokane, at about $229 a month, and 99207 the highest, at about $247. The ZIP code table on this page lists all 14.
In our Spokane data, full coverage (100/300/100 with $500 deductibles) averages about $238 a month and liability-only coverage at 25/50/10 limits about $83, a difference of about $155 a month ($1,853 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO isn’t in the November 2025 rates), their Spokane full-coverage average fell 2.2%, from about $3,105 to $3,037 a year. That’s higher than the Spokane average of $2,854 because it leaves out GEICO. State Farm cut its Spokane average 10.1%, Progressive 4.4% and PEMCO 0.6%. Liability-only coverage at 25/50/10 limits rose 7.4%.
