In Spokane, Chubb offers the best home insurance, providing affordability, customer service and coverage options. For affordable home insurance, State Farm has the lowest rate at around $88 per month.
Cheap Home Insurance in Spokane
Updated: October 30, 2025
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Key Takeaways
Chubb is the best overall home insurance company in Spokane, while State Farm is the cheapest at around $1,059 per year.
Home insurance in Spokane costs an average of $154 per month or $1,854 per year for most homeowners in the city.
To get the best and cheapest home insurance in Spokane, determine your coverage needs beforehand, research costs and companies, and compare multiple quotes on an apples-to-apples basis.
Best Cheap Home Insurance Companies in Spokane
| Chubb | 93 | $132 | $1,585 |
| State Farm | 92 | $88 | $1,059 |
| Nationwide | 81 | $162 | $1,945 |
| Foremost Insurance | 79 | $102 | $1,223 |
| Allstate | 78 | $127 | $1,526 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Spokane Home Insurance Cost?
Home insurance costs in Spokane vary widely depending on your personal profile, coverage chosen and home details. Rates range from $65 to $481 per month on average. Review the table below to compare personalized rates based on your home's age and desired coverage level.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $65 | $785 |
How to Get the Best Cheap Home Insurance in Spokane
Finding affordable home insurance in Spokane can be tough. We've created a step-by-step guide to help you discover the best and cheapest homeowners insurance options tailored to your needs.
- 1Decide on Coverage Beforehand
Determine your home insurance coverage needs beforehand to compare quotes easily and prevent being oversold by agents.
- 2Research Cost and Discounts
Researching average home insurance costs in Washington for your city and profile can help you gauge potential savings with any given provider. Looking into the best homeowners insurance in Washington also helps you identify which insurers consistently provide strong customer service and reliable coverage statewide, which can help before you narrow your search to Spokane-specific providers.
- 3Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes will allow you to understand the best option for you. Pricing varies depending on where you get your quote, so we recommend using online tools and contacting independent agents and captive agents to request quotes, ensuring you get the lowest price.
Best Home Insurance in Spokane: Bottom Line
The best and most affordable home insurance companies in Spokane are Chubb, State Farm and Nationwide. Since pricing can vary across the state, it’s worth checking out the cheap homeowners insurance in Washington to see which companies offer the most competitive rates and coverage options in other areas beyond Spokane.
Spokane Home Insurance: FAQ
We've answered frequently asked questions about Spokane home insurance to help you understand your options.
Who offers the best home insurance in Spokane?
Chubb offers the best home insurance in Spokane, balancing competitive pricing, strong coverage options and customer service.
Who has the cheapest home insurance in Spokane?
State Farm offers the cheapest option for home insurance in Spokane, with rates starting at $88 monthly and $1,059 annually.
What does home insurance cost in Spokane?
Home insurance costs in Spokane range from $785 to $5,774 per year, with rates influenced by the home's age and your chosen coverage level.
How We Decided the Best Cheap Home Insurance Companies in Spokane
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Spokane. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.