Your best car insurance provider depends on your unique driving profile and coverage needs. Chubb is the best overall car insurer in Spokane. It's also MoneyGeek's top pick for the best cheap insurer, best customer service provider and best for policyholders with driving offenses. Moreover, Chubb is the best auto insurer for young adults and seniors, while Capital Insurance Group is best for teenagers. Travelers is the best option for new car owners.
Best Car Insurance Companies in Spokane, WA
Updated: December 20, 2024
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Key Takeaways
In Spokane, Chubb stands out for its combination of affordability and excellent customer satisfaction, earning a MoneyGeek score of 82 out of 100 with an annual premium of $954, making it the top choice for comprehensive car insurance coverage.
For military drivers in Spokane seeking full coverage car insurance, USAA stands out as the best provider with a high MoneyGeek score of 83, offering tailored services that cater excellently to the military community's unique needs.
In Spokane, Chubb stands out as the best overall insurer for minimum coverage with a MoneyGeek score of 81 and an annual premium of $407, offering superior claims handling and customer service; however, Capital Insurance Group provides a more budget-friendly option with a score of 79 and a premium of $295, despite having fewer coverage options.
Why Trust MoneyGeek? Our unique rating system ranked Spokane's best car insurance providers based on their track record with claims management, available coverage options, premium costs and financial stability. We used data from the Washington Department of Insurance and Quadrant Information Services.
81,780Quotes Analyzed
15Companies Compared
Best Overall Car Insurance in Spokane
The following companies are the best auto insurance providers in Spokane, Washington:
- Chubb: MoneyGeek score of 82 out of 100 ($954 per year)
- Capital Insurance Group: MoneyGeek score of 79 out of 100 ($680 per year)
Chubb handles claims efficiently while offering excellent customer service, making it Spokane's overall best insurer and the best car insurance provider in the state of Washington. It's important to remember that your location significantly impacts your insurance rates.
If you're a military-affiliated driver, USAA is worth looking into. With specialized services catering to military drivers and their families, it earned an overall MoneyGeek score of 83 out of 100.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the overall best car insurance was calculated with the following weights:
- General customer satisfaction (35%)
- Affordability (30%)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Has the highest claims management and second-highest customer satisfaction ratings
Offers original equipment manufacturer (OEM) and diminished value coverage options
cons
Average essential coverage selection
No accident forgiveness or gap insurance coverage
COMPANY HIGHLIGHTS
Chubb stands out as the best overall auto insurance company due to its exceptional performance in claims management, customer service and affordability. The insurer also offers numerous specialized policies, including OEM coverage, classic and antique automobiles coverage and diminished value protection.
Chubb offers the option to negotiate an agreed amount for theft or total losses when purchasing your policy, ensuring you receive adequate compensation in such circumstances.
Chubb's vintage car insurance policy covers vehicles at least 30 years old, part of a limited production model or a larger collection. Additionally, its rental car service covers the cost of a replacement vehicle.
How the Best Insurers in Spokane Rank: MoneyGeek Scores and Costs
Of the 14 insurance providers we analyzed in Spokane, Washington, Chubb emerged as our top choice. While it may not be the cheapest option, with an annual cost of $954, Chubb stands out for its exceptional claims handling speed and efficiency and high customer service quality rating. Chubb's superior claims management capabilities and broader range of coverage options enabled it to surpass Capital Insurance Group, which offers a higher satisfaction score at a lower price.
The rates provided in this section pertain to full coverage policies. We assigned MoneyGeek scores to companies only when we had sufficient information to evaluate all the factors in our scoring system, including affordability, claims management, customer service and financial stability.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| Chubb | 82 | $954 | 5 | 4 | 3 | 5 |
| Capital Insurance Group | 79 | $680 | 5 | 3 | 1 | 3 |
| American Family | 74 | $933 | 4 | 3 | 5 | 3 |
| PEMCO | 72 | $441 | 3 | 3 | 3 | 1 |
| Travelers | 72 | $876 | 4 | 3 | 4 | 5 |
| State Farm | 72 | $777 | 4 | 2 | 3 | 5 |
| GEICO | 72 | $723 | 4 | 2 | 3 | 5 |
| Allstate | 67 | $805 | 3 | 2 | 4 | 4 |
| Progressive | 66 | $1,041 | 3 | 2 | 4 | 4 |
| Farmers | 66 | $940 | 3 | 2 | 4 | 3 |
| Nationwide | 65 | $1,055 | 3 | 2 | 4 | 4 |
| National General | 60 | $1,048 | 3 | 2 | 1 | 4 |
| Kemper | 48 | $667 | 1 | 2 | 1 | 2 |
| Dairyland | No Data | $2,715 | 4 | No Data | 4 | 4 |
Best Car Insurance in Spokane for Customer Service
The following car insurance providers offer the best service to their customers:
- Chubb: MoneyGeek score 76 out of 100 ($954 per year)
- Capital Insurance Group: MoneyGeek score 68 out of 100 ($680 per year)
Chubb has established a stellar reputation for its prompt claims processing and overall excellent service provided to policyholders. However, it's one of the more expensive auto insurers, so this company is best for buyers prioritizing customer service over price.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Customer Service was calculated with the following weights:
- General customer satisfaction (45%)
- Claims experience (30%)
- Essential coverages (20%)
- Financial stability (5%)
- Affordability (0%)
pros
Outstanding customer satisfaction and claims handling ratings
Offers antique/classic car and OEM coverage
cons
Has a limited selection of essential coverages
Doesn’t offer new car replacement coverage or deductible modification
COMPANY HIGHLIGHTS
Chubb offers protections like repair and rental car reimbursement to quickly get you back on the road. When filing a claim with Chubb, you can expect a claims adjuster to contact you within 24 hours. These adjusters have the authority to approve claims for faster processing and can only reject them with management approval, which is advantageous for policyholders.
You can retain the wreckage and any usable parts if your car is totaled. Chubb will pay the agreed-upon value minus the salvage value of the vehicle. In addition, the service provider will pay for transportation to a repair shop of your choice if an accident occurs.
In the event of a breakdown, Chubb's roadside assistance add-on will cover the cost of gas, fluids, new tires, charged batteries and more.
What Makes an Insurer Best for Customer Service?
Excellent customer service is crucial in high-stress situations like a car breaking down. Insurance companies that provide good customer service promptly resolve policyholder issues and pay close attention to their claims.
We recommend Chubb because of how well it handles claims and takes care of its clients. Although it was our top pick, customers were not quite as satisfied as they were with Capital Insurance Group. However, it excels far beyond Capital Insurance Group in terms of claims management.
Best Cheap Car Insurance in Spokane
We analyzed rates and customer satisfaction ratings for policies that meet the state of Washington's minimum requirements and determined that the following insurers are the most cost-effective options for auto insurance in Spokane:
- Chubb: MoneyGeek score 81 out of 100 ($407 per year)
- Capital Insurance Group: MoneyGeek score 79 out of 100 ($295 per year)
The lowest-priced plans typically offer the least liability protection. Remember that all cities in the state have the same Washington car insurance requirements.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the Best Cheap company was calculated with the following weights:
- Affordability (40% — based on the cost of a minimum coverage policy)
- General customer satisfaction (25%)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Offers anti-theft, bundling and daytime running lights discounts
Relatively affordable with great customer service
cons
Doesn’t offer discounts for safe driving or owning multiple cars
Has a relatively low coverage rating
COMPANY HIGHLIGHTS
Although Chubb's policies aren't the cheapest in Spokane, they do not compromise on discounts. The company provides both standard and special deals to help policyholders save money.
By bundling your home and car insurance with Chubb, you can enjoy savings on your premium. Additionally, installing safety equipment in your vehicle makes you eligible for a price reduction. Anti-theft device discounts are available for alarms, passive and active disabling devices and factory-installed anti-lock braking systems. Completing defensive driving and accident prevention courses can also lower insurance rates.
An electronic tracking device installed in your vehicle qualifies you for a discount on your Chubb auto insurance premiums as part of the company's unique honing device discount. Factory-installed daytime running lights and etched glass windows can also qualify you for price cuts.
What Makes an Insurer the Best Cheap Option?
The best minimum coverage providers offer competitive rates without sacrificing the quality of service to their clients. Sometimes low premiums mean low quality of service. However, despite being one of the city's most expensive providers, Chubb received a higher-than-average rating for affordability. Capital Insurance Group ranks highest in customer satisfaction but offers fewer coverage options.
Best Car Insurance in Spokane for Young Adults
In Spokane, the following companies offer the best auto insurance for young adults:
- Chubb: MoneyGeek score 82 out of 100 ($1,278 per year)
- Capital Insurance Group: MoneyGeek score 78 out of 100 ($995 per year)
Chubb provides young adult drivers with reasonably affordable rates while offering first-rate claims handling and customer support. To help you choose the best option, we also reviewed the best car insurance for young drivers.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Young Adults was calculated with the following weights:
- General customer satisfaction (35%)
- Affordability (30% — based on rates for a 25-year-old male)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Provides excellent customer service and efficient claims handling
cons
Charges the fourth-highest premiums at $1,278 per year
Offers few essential coverages
COMPANY HIGHLIGHTS
Young drivers can benefit from Chubb's exceptional customer service, which has earned it a high J.D. Power customer satisfaction rating. Chubb's claims processing is the best in the city, making it an ideal choice for new drivers. With a user-friendly process, it accommodates those who may have limited claim filing experience.
While Chubb doesn't specifically offer discounts for drivers in their 20s, it provides a range of discounts that most policyholders, including young drivers, can use. These include defensive driving discounts for passing an accident prevention course and anti-theft system discounts for installing an active or passive disabling device on the insured vehicle.
Chubb's original equipment manufacturer coverage particularly benefits young drivers involved in accidents. With this coverage, their cars will be repaired using only original parts and repair methods, ensuring the highest quality and compatibility.
What Makes an Insurer Best for Young Adults?
Young drivers should prioritize customer service and affordability when looking for a good auto insurance provider. Chubb meets both criteria, offering exceptional customer service and several discount options for young drivers. Although PEMCO is less expensive, it has lower customer satisfaction ratings.
Best Car Insurance in Spokane for Teens and Their Families
The top car insurance providers in Spokane for 16-year-old on a family policy are:
- Capital Insurance Group: MoneyGeek score 78 out of 100 ($1,923 per year)
- Allstate: MoneyGeek score 69 out of 100 ($1,835 per year)
With the third-cheapest rates and the highest customer satisfaction rating among the nine insurers in our study, Capital Insurance Group is a fantastic choice for individuals who prioritize both affordability and quality service.
Although teen policies are typically more expensive, they can save money by being added to their parent's policy. On average, teenagers in Spokane could save $2,381 annually. To help you weigh your options, we've highlighted the best teen auto insurance policies.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Teens was calculated with the following weights:
- General customer satisfaction (35%)
- Affordability (30% — based on rates for a 16-year-old male on a family policy)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Offers the third-cheapest rates at $1,964 per year
Provides discounts for good students
Outstanding customer service and affordability scores
cons
Has a poor coverage rating
COMPANY HIGHLIGHTS
When teens shop for auto insurance, the cost is a crucial consideration, as is customer service. Due to its excellent combination of both qualities, Capital Insurance Group came out on top in our ranking of the best car insurance companies for teenagers and their families in Spokane.
Although Capital Insurance doesn't provide many discounts, having one of the lower base premiums still makes it more accessible to a larger number of people. However, if teenagers maintain at least a "B" grade-point average, they can benefit from the good student discounts that are available.
Additionally, it offers a variety of distinctive but widely applicable coverage options, such as full glass coverage, which waives the deductible for the replacement or repair of broken auto glass. Insurance for custom parts covers permanently affixed accessories, devices, equipment and other items not installed by the original manufacturer.
What Makes an Insurer Best for Teens?
The best providers for teen drivers will have reasonably low rates, high customer service standards and teen-specific discounts.
Capital Insurance Group is the best insurance provider for teen drivers because of its competitive rates, excellent customer service and teen-specific (student) discount. Kemper is a cheaper option but ranks significantly lower regarding customer satisfaction.
Best Car Insurance in Spokane for Seniors
Spokane's best auto insurers for senior citizens are:
- Chubb: MoneyGeek score 84 out of 100 ($798 per year)
- Capital Insurance Group: MoneyGeek score 80 out of 100 ($608 per year)
With the highest claims processing score, a close second-highest rating for customer satisfaction and the fifth-highest affordability score, Chubb offers the best car insurance policies for seniors. While premiums for drivers in their 70s may be more expensive, drivers in their 60s typically pay rates comparable to those in their 30s through 50s.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Seniors was calculated with the following weights:
- General customer satisfaction (35%)
- Affordability (30% — based on rates for a 65-year-old male)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Among the more affordable auto insurers, charging $798 per year
Offers diminished value coverage and antique/classic car insurance
Excellent customer satisfaction and affordability
cons
Offers few coverage options
COMPANY HIGHLIGHTS
Senior drivers can rely on Chubb for excellent service, backed by its high customer satisfaction rating from J.D. Power. It also excels in claims handling, making it the top choice in the city. Chubb is also one of the more affordable options in Spokane, ensuring that seniors receive premium customer care without having to pay the highest rates.
Seniors can rent a car that matches their own vehicle through Chubb's Rental Car Reimbursement Coverage, eliminating the need to adjust while operating a rental vehicle. Additionally, Chubb offers optional coverage limits up to $5,000 with no daily cap.
Moreover, seniors who own a car that is at least 30 years old can take advantage of Chubb's antique/classic car insurance coverage. This policy also extends to vehicles with a limited production run or those part of a larger collection.
What Makes an Insurer Best for Seniors?
Seniors in their 60s typically pay lower rates than people of other ages. The best insurance for older motorists will be reasonably priced and include personal injury protection (PIP), which helps cover medical costs if serious injuries are sustained in an accident.
Chubb excels in providing competitive prices and exceptional service. It offers discounts on safety features such as anti-lock brakes and anti-theft systems, which contribute to the overall well-being of senior citizens.
Best Car Insurance in Spokane for Drivers With Offenses
The best car insurance companies in Spokane for drivers with violations are:
- Chubb: MoneyGeek score 84 out of 100 ($1,200 per year)
- Capital Insurance Group: MoneyGeek score 77 out of 100 ($1,224 per year)
Chubb offers superb customer service and relatively affordable rates for drivers with traffic violations. Car insurance rates increase, usually directly proportional to the offense's severity. A Spokane driver with a DUI will pay $287 more per year than a motorist with a speeding ticket. Drivers with violations will pay more for car insurance, but shopping around for the best auto insurers for drivers with poor records may help you save money.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Drivers With Offenses was calculated with the following weights:
- General customer satisfaction (35%)
- Affordability (30% — based on drivers with a DUI on their record)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Above-average affordability score with an annual premium of $1,200
Offers rental car coverage
Excellent customer satisfaction rating
cons
Fails to offer some essential coverages
Doesn’t offer new car replacement or accident forgiveness coverage
COMPANY HIGHLIGHTS
Drivers with a history of offenses can benefit from Chubb's affordable policies, priced at $1,200 per year. Although it may not be the most budget-friendly option, Chubb is still reasonably priced and has a solid track record of delivering great customer service.
You can rent a car similar to your own with Chubb's Rental Car Reimbursement Coverage, which provides a payout more than nine times the amount most insurers offer. In case of accidents or mechanical issues, Chubb also provides access to towing and other services through its roadside assistance coverage.
With Chubb's optional Agreed Value coverage, you can establish the value of your car when your policy is written. In the event that your car is stolen or declared a total loss, Chubb will provide a payout based on the predetermined sum.
What Makes an Insurer Best for Drivers With Offenses?
The ideal auto insurance company for drivers with a history of infractions should offer affordable rates, a comprehensive selection of discounts and essential coverages, such as accident forgiveness or roadside assistance. While Chubb received favorable ratings for affordability and customer service, it may offer only some of the desired add-on coverages for drivers with offenses. Our second choice, Capital Insurance Group, is a satisfactory alternative while slightly more expensive.
Best Car Insurance in Spokane for Drivers With New Cars
The best car insurance companies for new vehicle owners are:
- Travelers: MoneyGeek score of 61 out of 100 ($917 per year)
- Kemper: MoneyGeek score of 50 out of 100 ($758 per year)
The rankings for this category were based on the cost and level of service provided to Washington drivers with 2022 car models. Only insurance companies that offer better or new car replacement coverage were included in the evaluation. With new car replacement coverage, if your car is totaled in a covered accident, your policy will cover the cost of a brand-new vehicle of the same make and model. Travelers, known for reasonable rates and exceptional customer service, also offers this valuable coverage.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for New Cars was calculated based on insurers offering new or better car replacement coverage and the following weights:
- General customer satisfaction (35%)
- Affordability (30%)
- Claims experience (20%)
- Essential coverages (10%)
- Financial stability (5%)
pros
Charges the second-cheapest premium at $917 per year
Offers new car replacement coverage
Above-average customer satisfaction and coverage ratings
cons
Does not offer deductible modification coverage
COMPANY HIGHLIGHTS
Travelers stands out for its wide range of coverage options and above-average customer satisfaction ratings. Moreover, it offers competitive rates compared to other insurers providing new or better car replacement coverage.
With Travelers' Premier New Car Replacement coverage, you can drive a new car more confidently. If it's totaled within the first five years of ownership, this pays to replace your new car with a brand-new vehicle of the same make and model.
Travelers provides accident forgiveness, which allows for the forgiveness of one accident within a specified time frame, helping to prevent premium increases brought on by occasional accidents. If your car is involved in a covered accident and is inoperable for more than 24 hours, Travelers' rental reimbursement coverage can help cover the cost of a rental car.
What Makes an Insurer Best for Drivers With New Cars?
New car owners should pick a car insurance provider that offers new or better car replacement coverage. This coverage is crucial if your brand-new car is involved in an accident covered by your policy, as it can save you a significant amount of money. Travelers is an excellent choice in this category, as it offers reasonable prices and provides coverage for new cars. Our runner-up, Kemper, is a more affordable option but has lower ratings for customer satisfaction and coverage options.
How to Find the Best Car Insurance in Spokane for You
To find the best option for you, we recommend comparing auto insurance companies in Spokane on criteria like cost, client satisfaction, claims handling and financial stability. Although our ranking can be helpful, follow these steps if you undertake your own research.
- 1
Research customer service reputations in Spokane
With J.D. Power and NAIC complaint ratio data, MoneyGeek's scoring system ranked providers for customer satisfaction. You can check these sources to verify our evaluations. If you want to learn more about an insurance provider or need more information on insurance, the Washington Department of Insurance is another reliable resource.
- 2
Compare quotes
We advise requesting quotes from at least three different car insurance providers to get an idea of how much your car insurance will cost. The average premiums listed on MoneyGeek are for a sample driver, so your rates may differ based on your age, location and driving record.
- 3
Find the coverages you want in Spokane
Make sure the company in your area provides the coverage options you're looking for and discounts that you can use before buying a policy. Companies can advertise discounts and coverages on their websites without making them available everywhere. To verify the availability of coverages and discounts in your area, visit the insurer's regional website or contact them directly for confirmation.
- 4
Check financial stability ratings
We also advise reviewing the ratings of providers' financial strength to find the best insurance company for you. How likely a company is to fulfill a claim regardless of market circumstances depends on its financial strength. Smaller regional insurers may face challenges in satisfying policyholder claims, while larger insurers often have the resources and financial stability to handle most issues effectively.
FAQs About the Best Car Insurance in Spokane
The best car insurer in Spokane for you will vary based on your needs and driver profile. To assist you in your decision-making process, we have answered some frequently asked questions below.
What is the best car insurance company in Spokane?
The overall best car insurance provider in Spokane, Washington, is Chubb. It consistently offers excellent customer service, streamlined claims processing and relatively affordable policies. It excels in serving different categories of drivers across various age groups, including young adults, middle-aged individuals and seniors. Additionally, Chubb offers favorable rates and coverage options for drivers with violations on their records.
What is the best cheap car insurance company in Spokane?
Chubb is also the best cheap auto insurance in Spokane, Washington. It offers the best blend of affordability and customer service for minimum coverage policies in the city. Chubb stands out for its claims handling compared to its competitors and is known for providing great customer service in the city. While it may not be the cheapest option, it offers customers excellent value by delivering high-quality services without being overly expensive.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.