Insurance Costs in Spokane, WA
Auto insurance in Spokane averages $1,353 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Spokane, WA: What You Need to Know
Spokane residents pay an average of $1,353 per year for full coverage auto insurance, which is 5.0% below the Washington state average and 19.2% below the national average.
With a population of 228,989, Spokane is a mid-size city in Washington. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,353 | $113 |
| Standard Coverage (50/100/50) | $1,109 | $92 |
| State Minimum (25/50/10) | $568 | $47 |
Homeowners Insurance in Spokane, WA
The average cost of homeowners insurance in Spokane is $1,191 per year ($99/month), which is 34.6% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Spokane, WA
Renters insurance in Spokane averages $192 per year ($16/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Washington Cities
How to Save on Insurance in Spokane
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Spokane can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Spokane, WA?
The average cost of car insurance in Spokane, WA is $1,353 per year for full coverage, or about $113 per month. Minimum coverage costs around $568 per year.
Is car insurance expensive in Spokane?
Car insurance in Spokane is relatively affordable compared to many U.S. cities.
How much is home insurance in Spokane?
Homeowners insurance in Spokane costs an average of $1,191 per year. Your actual cost depends on your home's value, age, construction type, and specific location.