Updated: December 19, 2025
Advertising & Editorial Disclosure
State Farm: Cheapest across many driver profiles. At $45 monthly for minimum coverage and $118 monthly for full coverage, State Farm saves most drivers 3% annually compared to State Farm's average.
California Casualty: Second cheapest at $45 monthly minimum and $121 full coverage. It's affordable for drivers with a speeding ticket.
Progressive: Cheapest for drivers with a DUI in Vancouver.
Cheapest by Coverage and Driver Profile in Vancouver:
State Farm and California Casualty tie for Vancouver's lowest minimum coverage rates at $45 monthly, 13% and 11% below the city average, respectively. For full coverage, Progressive charges $106 per month (10% below average), with American Family second at $112 monthly (2% below average). Your actual rates depend on your ZIP code and driving record, so compare quotes from several insurers to find your best price.
| State Farm | $45 | $119 | -13% |
| California Casualty | $46 | $122 | -11% |
| Travelers | $57 | $116 | -8% |
| Progressive | $63 | $106 | -10% |
| American Family | $72 | $112 | -2% |
Not in Vancouver? Read more about the cheapest car insurance or the best provider in Washington.
Young drivers in Vancouver pay steep rates due to limited driving experience. American Family charges the lowest rates at $213 monthly, followed by Travelers at $245 and State Farm at $255. Keep your teen on your family policy rather than buying separate coverage; this saves hundreds of dollars annually. Defensive driving courses reduce premiums by 5% to 15%, often paying for themselves within months.
| American Family | $214 | $2,563 | -36% |
| Travelers | $245 | $2,942 | -27% |
| State Farm | $256 | $3,069 | -24% |
| Allstate | $316 | $3,793 | -6% |
| Progressive | $333 | $3,993 | -1% |
Vancouver seniors pay lower rates than younger drivers. State Farm charges $132 monthly, GEICO $145, and Progressive $151. Drivers 65 and older save an additional 10% through defensive driving courses, which offer discounts that last for three years. GEICO offers defensive driver education credits in addition to its standard senior rates.
| State Farm | $132 | $1,586 | -23% |
| Geico | $146 | $1,749 | -16% |
| Progressive | $151 | $1,813 | -12% |
| Nationwide | $153 | $1,832 | -12% |
| Travelers | $159 | $1,903 | -8% |
Violations increase your insurance costs, though rates vary by insurer and offense type. State Farm charges the lowest rates across all violation types: $48 monthly after a DUI, $48 after a speeding ticket, and $52 after an at-fault accident. Progressive ($72) and California Casualty ($64) offer the next-best rates for DUI and speeding violations, respectively, while Travelers charges $75 for at-fault accidents. Compare quotes from multiple insurers after any violation — each company weighs infractions differently. Speeding tickets affect rates for three to five years; DUIs impact premiums up to 10 years.
| At-Fault Accident | State Farm | $53 | -42% |
| At-Fault Accident | Travelers | $75 | -17% |
| DUI | State Farm | $49 | -45% |
| DUI | Progressive | $72 | -19% |
| Speeding Ticket | State Farm | $49 | -36% |
| Speeding Ticket | California Casualty | $64 | -16% |
ZIP code affects Vancouver car insurance rates. Drivers in 98662 pay $134 monthly for full coverage, the city's highest rate. ZIP code 98660 has the lowest rate at $116 monthly. Traffic density, theft rates and accident frequency vary by ZIP code, creating an $18 monthly gap between Vancouver's most and least expensive areas.
| 98662 | $134 |
| 98663 | $133 |
| 98684 | $119 |
| 98683 | $118 |
| 98661 | $118 |
| 98682 | $118 |
| 98664 | $117 |
| 98660 | $116 |
| 98660 | $116 |
| 98664 | $117 |
| 98661 | $118 |
| 98682 | $118 |
| 98683 | $118 |
| 98684 | $119 |
| 98663 | $133 |
| 98662 | $134 |
Progressive leads Vancouver car insurance with a MoneyGeek score of 95 out of 100. The company combines low premiums with extensive coverage options and strong customer service ratings.
Travelers, State Farm, California Casualty and American Family also rank among Vancouver's best insurers for competitive rates and claims handling.
| Progressive | 96 | 3 | 2 | 2 |
| Travelers | 95 | 4 | 1 | 4 |
| State Farm | 94 | 1 | 3 | 6 |
| California Casualty | 91 | 2 | 9 | 5 |
| American Family | 86 | 5 | 5 | 6 |
Claims resolve within 7–14 days
Snapshot program discounts safe driving
Covers high-risk drivers
No basic Autoplan coverage
Few local agents
Rates vary by driver profile
Progressive covers Vancouver-specific risks: flood damage from heavy rainfall, theft in high-crime areas, and glass damage from hail. The insurer's 24/7 digital tools track claims in real time. Progressive also offers pet injury coverage and accident forgiveness programs. Rates exceed some competitors, though high-risk drivers often find better prices here than elsewhere.
24/7 claim support
Covers high-risk drivers
IntelliDrive discounts safe driving
Fewer discounts than in other regions
Limited local agents
Basic coverage customization
Travelers provides 24/7 support through its mobile app for policy management, claims filing and roadside assistance. The insurer covers weather damage from Vancouver's heavy rainfall and offers rental car coverage in the city's high-theft areas. Travelers charges competitive rates for young drivers and processes claims quickly.
Vancouver drivers face high car insurance rates in Washington. Compare quotes from multiple insurers to find lower premiums.
Bundling auto with home or renters insurance saves 15% to 25%. Add multi-car discounts (10% to 25% per vehicle), good driver discounts and paperless billing for combined savings of 30% to 40%.
Raising your deductible from $500 to $1,000 reduces annual premiums by 10% to 15%. Choose a deductible amount you can afford to pay when filing a claim.
Insurers adjust Vancouver rates regularly. Your rates drop after three years without incidents; shop around to capture these improvements.
Vancouver's average full coverage rate of $122 monthly falls between Kent ($149) and Anacortes ($42), placing it mid-range for Washington state.
Finding affordable car insurance in Vancouver starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Washington’s insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 98662 often pay much more than those in 98660.
We partnered with the Washington State Office of the Insurance Commissioner and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Vancouver ZIP code.
Our ratings for the best car insurance in Vancouver are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which shows which insurers maintain competitive rates across Vancouver neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
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.
