Spokane has 230,293 residents in 97,446 households. We list 14 agencies for accident & health insurance in Spokane. Here is what the local numbers say about the cover people here need.

Spokane at a glance

14accident & health insurance agencies listed
41.2%of households rentRenters insurance
$363,500median home valueHome insurance
1961median year homes were builtRebuild cost calculator
9.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Spokane County

FEMA rates the overall natural hazard risk in Spokane County, where most Spokane agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Spokane
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Washington

Washington requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Spokane How much liability cover do you need?

Source: app.leg.wa.gov. Checked 2026-10-24.

Insurance companies Spokane agencies work with

Of the 14 Spokane agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare13 agencies
Medicare Advantage12 agencies
Centene10 agencies
Aetna6 agencies
Molina Healthcare of Texas,5 agencies
Medco Containment Life Insurance Company4 agencies
Humana3 agencies
LOYAL AMERICAN LIFE INSURANCE COMPANY3 agencies
Ameritas Life Insurance2 agencies
Blue Cross Blue Shield2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Spokane agencies are

Spokane agencies we list sit in 9 ZIP codes, mostly in Spokane County.

992013 agencies
992052 agencies
992082 agencies
992122 agencies
992061 agency
992071 agency
992161 agency
992231 agency
992241 agency

Questions

Accident & Health insurance in Spokane

All insurance agencies in Spokane · Accident & Health insurance across Washington

Where can I find accident & health insurance in Spokane?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Spokane agencies work with?

Among the 14 Spokane agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (13), Medicare Advantage (12), Centene (10), Aetna (6), Molina Healthcare of Texas, (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Spokane?

FEMA's National Risk Index rates inland flooding risk in Spokane County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Accident & Health insurance near Spokane

For insurance agencies

Is your Spokane agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing