In Vancouver, State Farm offers the lowest minimum coverage car insurance at $540 per year, while Progressive provides the cheapest full coverage at $1,276 annually. Other affordable insurers in the city include Travelers, California Casualty and American Family.
Car Insurance in Vancouver
Updated: November 11, 2025
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Key Takeaways
Vancouver's cheapest car insurance companies are State Farm, California Casualty and Progressive, with savings up to 13% compared to the city average.
Car insurance costs in Vancouver average $122 for full coverage and $59 for minimum coverage monthly.
To get the best cheap auto insurance in Vancouver, compare quotes from multiple sources and choose the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Vancouver?
| State Farm | $45 | $119 | -13% |
| California Causality | $46 | $122 | -11% |
| Progressive | $63 | $106 | -10% |
| Travelers | $57 | $116 | -8% |
| American Family | $72 | $112 | -2% |
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Compare the Cheapest Vancouver Car Insurance
Your car insurance rates depend on your driving record and personal details. Costs may vary by thousands of dollars between driver profiles. Check the table below to find the cheapest insurers for your situation, whether you're a new driver, have past violations or maintain a clean record.
Data filtered by:
Adult Drivers
Female
State Minimum Liability Only
Good
Clean
| California Causality | $52 | $627 | -20% |
| Pemco Insurance | $60 | $719 | -8% |
| National General | $62 | $749 | -4% |
| State Farm | $45 | $540 | -31% |
| Travelers | $52 | $625 | -20% |
Cheapest Car Insurance by Age Group in Vancouver
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults) and 65 or older (seniors). Based on our data in Vancouver, State Farm offers the lowest starting monthly rates across age groups:
- Young drivers: $98
- Adults: $45
- Seniors: $54
Cheapest Car Insurance for Young Drivers in Vancouver
State Farm and Travelers offer the best car insurance rates for young drivers in Vancouver with average monthly rates starting at $98 and $116 respectively.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $98 | $1,182 | -38% |
| Travelers | $116 | $1,396 | -27% |
| American Family | $126 | $1,508 | -21% |
| California Causality | $140 | $1,686 | -11% |
| Geico | $145 | $1,740 | -8% |
Cheapest Car Insurance for Adult Drivers in Vancouver
In Vancouver, State Farm provides the lowest rates for adult drivers (26 to 64), with average savings of 27%. GEICO and Travelers are also among the top affordable providers for this age group.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $45 | $540 | -27% |
| California Causality | $46 | $548 | -26% |
| Geico | $56 | $677 | -8% |
| Travelers | $57 | $683 | -8% |
| Nationwide | $62 | $746 | 1% |
Cheapest Car Insurance for Senior Drivers in Vancouver
State Farm offers Vancouver seniors the lowest rates for both coverage types. Minimum coverage costs $54 per month ($643 annually). Full coverage costs $132 monthly ($1,586 per year).
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $54 | $643 | -41% |
| Geico | $72 | $859 | -21% |
| Nationwide | $78 | $931 | -14% |
| Travelers | $81 | $974 | -10% |
| California Causality | $84 | $1,013 | -6% |
Cheapest Car Insurance for High-Risk Drivers in Vancouver
For high-risk drivers in Vancouver, National General offers the cheapest insurance for bad credit, starting from $78 monthly. For those with a DUI or a speeding ticket, State Farm provides the lowest rates, both starting at $49. State Farm also offers the cheapest rate for drivers with an at-fault accident, starting from $53.
Cheapest Car Insurance for Bad Credit in Vancouver
National General offers the cheapest car insurance for bad-credit drivers in Vancouver. Monthly rates start at $78 for minimum liability coverage and $172 for full coverage.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Clean
| National General | $78 | $941 | -45% |
| California Causality | $104 | $1,252 | -26% |
| Pemco Insurance | $109 | $1,303 | -23% |
| Geico | $111 | $1,335 | -22% |
| Travelers | $113 | $1,351 | -21% |
Cheapest Car Insurance With a DUI in Vancouver
State Farm offers the most affordable car insurance for Vancouver drivers with a DUI. Its rates are up to 45% below the city average for minimum coverage and 31% lower for full coverage policies.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $49 | $587 | -45% |
| Progressive | $72 | $866 | -19% |
| National General | $74 | $882 | -17% |
| Farmers | $82 | $981 | -8% |
| American Family | $82 | $986 | -8% |
Cheapest Car Insurance With an Accident in Vancouver
State Farm offers the lowest car insurance rates for Vancouver drivers with accident records, starting at $53 monthly, 42% below the city average for similar coverage.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $53 | $634 | -42% |
| Travelers | $75 | $906 | -17% |
| California Causality | $79 | $952 | -12% |
| National General | $98 | $1,171 | 8% |
| Nationwide | $99 | $1,193 | 10% |
Cheapest Car Insurance With a Speeding Ticket in Vancouver
For Vancouver drivers with a speeding ticket, State Farm offers the most affordable insurance options. Their minimum liability coverage costs about $49 monthly, while full coverage with higher limits runs around $127 per month.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $49 | $587 | -36% |
| California Causality | $64 | $773 | -16% |
| Travelers | $72 | $863 | -6% |
| Farmers | $73 | $872 | -5% |
| Progressive | $76 | $910 | -1% |
Best Car Insurance Companies in Vancouver
Vancouver's top car insurance companies are Progressive, Travelers, State Farm and California Casualty. These insurers stand out for competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 96 | 3 | 2 | 2 |
| Travelers | 95 | 4 | 1 | 4 |
| State Farm | 94 | 1 | 3 | 6 |
| California Causality | 91 | 2 | 9 | 5 |
| American Family | 86 | 5 | 5 | 6 |
Progressive: Best Overall
pros
High customer satisfaction scores
Wide range of coverage
Good rates for most driver profiles
cons
More expensive minimum coverage than competitors
High-risk drivers pay more
COMPANY HIGHLIGHTS
Progressive ranks first in Vancouver for its coverage options and service quality. Full coverage rates start at $106 monthly, while minimum coverage begins at $63. The company places second in the city for customer experience and coverage variety. Drivers value Progressive's digital tools and discount options.
Travelers: Best Customer Experience
pros
Highest-rated customer service in Vancouver
Lower rates for cars under 5 years old
Accident forgiveness and new car replacement
cons
Few local agents
Full coverage costs more than average
COMPANY HIGHLIGHTS
Travelers earns Vancouver's top customer satisfaction rating and second overall ranking. The company offers minimum coverage starting at $57 monthly, among the most affordable in the city. Travelers provides the best rates for drivers with newer vehicles and stands out for its smooth claims process. While full coverage rates are slightly higher at $116 monthly, strong customer service and extensive coverage options make Travelers a solid choice for Vancouver drivers.
How Much Is Car Insurance in Vancouver?
In Vancouver, minimum coverage costs $59 per month or $705 per year, ranking 460th out of all Washington cities for affordability. Full coverage averages $122 monthly or $1,460 annually, ranking 475th among Washington cities.
| Full Coverage | $122 | $1,460 |
| Minimum Coverage | $59 | $705 |
Compare Personalized Vancouver Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, use the table below to filter Vancouver car insurance rates by age, driving history and other personal factors.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| $188 | $2,260 | 14% |
Vancouver Car Insurance Costs by ZIP Code
In Vancouver, car insurance rates by ZIP code range from $53 to $134 per month. ZIP code 98662 is the most expensive, while 98660 is the cheapest. Check the average rates for your ZIP code on the table below.
Data filtered by:
98660
| 98660 | $53 | $116 |
How to Get the Best Cheap Vancouver Car Insurance
Vancouver's high insurance rates make finding affordable coverage a priority. This guide shows you how to find better financial protection while cutting costs.
- 1Calculate your coverage needs
Determine how much coverage you need based on your car's value, driving habits and budget. Use our car insurance coverage needs calculator for personalized recommendations.
- 2Explore alternative insurance options
Consider pay-per-mile coverage if you drive infrequently or non-owner insurance if you don't own a vehicle but occasionally drive.
- 3Know the average costs
Research average vehicle insurance costs in Vancouver to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you find good deals.
- 4Check insurance discounts
Ask insurers about car insurance discounts that apply to your situation. Common savings include bundling home and auto policies (15% to 25% off), multi-car discounts, good driver discounts for three years without violations and low-mileage discounts if you drive under 7,500 miles annually. Students with B averages or higher qualify for good student discounts, and many insurers reward drivers who complete defensive driving courses.
- 5Research insurance company reputations
Check customer reviews, claims satisfaction ratings and financial strength scores. A company's claims handling matters as much as low rates.
- 6Get quotes from multiple insurers
Contact at least three insurers for quotes. Use local agents, online tools and direct carrier websites. Each company weighs rating factors differently, so comparing quotes helps you find the best deal.
- 7Review your policy annually
Review your coverage and shop for new rates yearly. Moving, buying a new car or improving your credit score can qualify you for better rates.
Cheapest Car Insurance in Vancouver: Bottom Line
Car insurance rates in Vancouver depend on your driving record, credit score and coverage needs. State Farm and California Casualty offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Vancouver Car Insurance: FAQ
Our insurance experts break down everything you need to know about finding affordable coverage.
What is the cheapest car insurance company in Vancouver, Washington?
State Farm offers Vancouver's lowest minimum coverage at $540, while Progressive has the lowest full coverage at $1,276. Rates vary by personal factors, so compare quotes from multiple insurers.
Who offers the best car insurance in Vancouver?
Progressive leads Vancouver's car insurance providers with a MoneyGeek score of 96 out of 100, scoring one point above Travelers. Progressive excels in both affordability and quality customer service.
What is the average cost of car insurance in Vancouver?
In Vancouver, Washington, full coverage car insurance costs $1,460 annually, while minimum coverage averages $705. Your actual rates will vary based on individual factors.
Is car insurance in Vancouver expensive?
Car insurance in Vancouver costs more than average, ranking 460th for minimum coverage affordability and 475th for full coverage compared to other Washington cities.
How We Chose the Best and Cheapest Car Insurance in Vancouver, WA
Vancouver drivers face Washington's complex insurance market with dozens of companies and wildly different rates depending on your profile. We built this research to cut through the noise and show you which insurers actually deliver the lowest rates for your situation, whether you're 18 or 80, have a spotless record or a DUI on file.
Our Research Approach
We analyzed rate data from the Washington State Office of the Insurance Commissioner and Quadrant Information Services, pulling quotes from 12 major insurers across all Vancouver ZIP codes. Our sample included hundreds of thousands of quotes to find patterns in how each company prices coverage for different driver types.
Sample Driver Profile
Our baseline driver is a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit and 12,000 miles driven annually. This profile represents Vancouver's median driver and gives us a consistent comparison point.
From there, we adjusted key factors (age, driving record, credit score, military status) to see how rates change for teens, seniors, drivers with violations and other profiles. This approach shows which companies offer the best deals for your actual situation, not just an idealized driver.
Washington's Minimum Coverage Requirements
State law requires $30,000 per person and $60,000 per accident in bodily injury liability, plus $25,000 in property damage liability. Our minimum coverage quotes reflect these exact limits.
Full Coverage Analysis
We analyzed full coverage policies with $100,000/$300,000/$100,000 liability limits plus comprehensive and collision coverage, each with $1,000 deductibles. This shows the cost of protecting your own vehicle alongside the state's minimum liability requirements.
Rating System
Our rankings weigh three factors:
- Affordability (60%): Rate comparisons across multiple driver profiles within Vancouver
- Customer experience (30%): Reviews from Google, J.D. Power, AM Best and Reddit forums
- Coverage options (10%): Number and uniqueness of available coverages and add-ons
This weighting prioritizes your actual cost while accounting for service quality and coverage flexibility.
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.
