Car Insurance in Spokane, WA

Spokane’s combination of outdoor activities and urban living makes having the right auto insurance essential. GEICO offers affordable, personalized coverage options that meet the unique needs of Spokane drivers. With flexible policies and the support of experienced specialists, you can trust GEICO to help keep you protected on the road.

Get a Car Insurance Quote in Spokane, WA

Shopping for car insurance in Spokane is easier than ever. With GEICO’s free online quote tool, you can compare policy options in minutes and tailor your coverage based on your driving habits, vehicle, and budget.

You can review coverage limits, explore add-ons, and uncover discounts, all without picking up the phone. Whether you're cruising past Superstition Springs or heading to downtown , GEICO helps you build a policy that fits your routine.

Minimum Car Insurance Requirements in Spokane, WA

To legally drive in Spokane and throughout Washington, drivers must carry a minimum level of liability insurance. This coverage helps protect others if you’re at fault in an accident that causes injuries or property damage.

Coverage Type Washington Minimum Limit
Bodily Injury Liability $25,000 per person/$50,000 per accident
Property Damage Liability $10,000 per accident

While these are the state’s required minimums, many Spokane drivers opt to increase their coverage or add extra protection for added peace of mind. GEICO makes it easy to tailor your policy to meet both legal standards and personal preferences.

Auto Insurance Coverages in Spokane, WA

Liability coverage is just the beginning. GEICO offers a variety of auto insurance options to help keep you protected in many real-world situations. From minor fender benders to damage caused by harsh winter conditions, having the right mix of coverage can make all the difference.

  • Liability Coverage - This required coverage helps pay for injuries or property damage you cause in an accident. GEICO offers flexible options that let you raise your limits for added protection if needed.
  • Collision & Comprehensive - Collision insurance helps cover your car’s repairs if you hit another vehicle or object, while comprehensive coverage covers things like theft, falling branches, or vandalism. Together, they protect your vehicle from a wider range of risks.
  • Medical Payments & BPIP - Medical payments coverage is available through GEICO. It helps pay for accident-related medical expenses. Washington requires BPIP, to help cover medical expenses after an accident.
  • Underinsured Motorist Coverage/Underinsured Motorist Property Damage - This coverage steps in when the other driver doesn’t carry enough insurance. It can help cover your injuries or vehicle repairs after an accident involving an underinsured motorist.

Spokane, WA Car Insurance Discounts

Saving on car insurance in Spokane is easy when you take advantage of GEICO’s discount options. These programs reward safe driving habits and responsible choices.

  • Multi-policy: Bundle your auto insurance with renters, homeowners, or motorcycle insurance for savings across policies.
  • Good Driver: Drivers with a clean record and no recent violations may be eligible for discounted premiums.
  • Good Student: Students with strong academic records could qualify for lower rates.
  • DriveEasy®: GEICO’s app-based program tracks your driving behavior and rewards safe driving with potential discounts.

How Much Does Car Insurance Cost in Washington?

A minimum liability policy in Spokane generally costs less than the national average, though premiums can vary widely based on your location, driving history, vehicle type, and chosen coverage options. For more guidance on coverage and protection options, use GEICO’s coverage calculator to find the best fit for your needs.

Optional Car Insurance Coverages and Add-Ons

GEICO offers a range of optional add-ons that provide extra convenience for Spokane drivers. These additional coverages are useful in many everyday situations and can be included in your policy at any time:

  • Emergency Roadside Service: Helps when you’re stuck on the side of the road due to a flat tire, dead battery, or lockout.
  • Rental Car Reimbursement: Covers the cost of a rental while your car is in the shop for repairs after a covered claim.
  • Mechanical Breakdown Insurance: Helps cover the cost of certain repairs to your vehicle’s mechanical parts, including items not covered under the manufacturer’s warranty, and may continue providing protection even after your manufacturer’s warranty expires.
  • Medical Payments Coverage (MedPay): Pays for accident-related medical bills for you and your passengers.

These add-ons can offer valuable support when you need it most. GEICO makes it easy to include them in your policy, so you can drive through Spokane with more confidence.

Get a Free Spokane Car Insurance Quote Today!

Car insurance in Spokane is just a few clicks away. With GEICO, you can start your quote online, review your options, and find discounts that fit your needs and driving habits. Prefer personal help? You can also connect with a GEICO insurance specialist by calling (800) 241‑8098 or using the GEICO Mobile app.

Compare your options and start saving today. GEICO makes it simple to get dependable coverage designed for Spokane drivers.

Please note:

DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details, and are presented during your quote.

It’s important to keep in mind that discounts can vary by state and policy details. You can explore all available discounts on GEICO’s car insurance discounts page.