Compare Quotes from Top Providers and Save now!

Spokane, Washington, a picturesque city with a population of over 200,000, has an ever-growing demand for homeowners' insurance. With diverse housing options and a range of weather conditions, homeowners look for the best insurance rates. In this article, we will analyze the top competitors in Spokane, their quotes, rates, and agents, and explore the factors that influence insurance rates in this city.

Top Most Competitors and Their Prices

1. State Farm

Average Rate: $1,200 per year

Coverage: Comprehensive coverage including liability, dwelling, personal property, and more.

Agent Availability: Numerous local agents throughout Spokane

2. Allstate

Average Rate: $1,300 per year

Coverage: Customizable options including personal liability, guest medical protection, etc.

Agent Availability: Wide network of agents for personalized service.

3. Liberty Mutual

Average Rate: $1,250 per year

Coverage: Standard coverage with optional add-ons like inflation protection.

Agent Availability: Easily accessible agents in Spokane, both in-person and online.

4. Farmers Insurance

Average Rate: $1,180 per year

Coverage: Multiple coverage plans with optional endorsements for special personal items.

Agent Availability: Numerous experienced agents around the city.

Analysis On Quotes, Rates & Agents


Competitive Landscape: The quotes are competitive with only minor variations.

Customizability: Most insurers offer customizable quotes allowing for more tailored coverage.

Online Accessibility: Most providers provide online quoting tools for quick estimates.


Variation: Rates vary based on factors like coverage, home value, location within Spokane, etc.

Discounts: Opportunities for discounts exist such as bundling, loyalty, and security system discounts.

Comparison: A closer examination of policies may reveal hidden fees, so careful comparison is crucial.


Local Expertise: Local agents offer better insights into specific neighborhood needs and risks.

Accessibility: The availability of agents both online and offline ensures better service.

Relationship Building: Engaging with a consistent agent builds trust and may lead to more personalized rates.

Factors Influencing the Insurance Rates in Spokane

Weather Conditions: Spokane's variable climate, including wind storms and heavy snow, can impact rates.

Home Value & Age: Older homes or those with higher value may have higher premiums.

Location within the City: Proximity to a fire station or being in a crime-prone area affects rates.

Personal Factors: Credit score, claims history, and even the breed of pet may influence the cost.

Construction Materials: The materials used in home construction can affect insurance costs, with fire-resistant materials often lowering premiums.

Home insurance in Spokane, WA is a multifaceted subject with many competing factors that influence the rates. Top competitors like State Farm, Allstate, Liberty Mutual, and Farmers Insurance provide a range of coverages and rates. By understanding the various aspects of quotes, rates, and agents, and the local factors that impact the insurance premiums, homeowners in Spokane can make informed decisions on the best insurance to suit their needs.
Always consult with a licensed agent or broker to understand specific rates and coverages for your individual situation, as this article serves as a general guide and may not reflect the most current or individualized information.