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: August 10, 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.
Monthly car insurance costs in Vancouver average $122 for full coverage and $59 for minimum coverage.
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% |
Compare the Cheapest Vancouver Car Insurance for You
Your car insurance rates depend heavily on your driving record and personal details, with costs varying by thousands of dollars between profiles. Check the table below to find the cheapest insurers for your specific situation, whether you're a new driver, have past violations, or maintain a clean record.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:State Minimum Liability Only
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Credit Alignment:Good
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Driving Record: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+ (seniors). Based on our data in Vancouver, here's who offers the lowest rate in each group:
- Cheapest car insurance for young drivers: State Farm (from $98 per month)
- Cheapest car insurance for adults: State Farm (from $45 per month)
- Cheapest car insurance for seniors: State Farm (from $54 per month)
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.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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), saving drivers around 27% on average. GEICO and Travelers are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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
For seniors in Vancouver, State Farm offers the lowest rates for both coverage types. Minimum coverage costs $54 per month or $643 annually, while full coverage runs $132 monthly or $1,586 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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
These insurance companies offer the lowest rates for high-risk drivers in Vancouver:
- Cheapest for Bad Credit: National General (from $78 per month)
- Cheapest With a DUI: State Farm (from $49 per month)
- Cheapest With an Accident: State Farm (from $53 per month)
- Cheapest With a Speeding Ticket: State Farm (from $49 per month)
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 with higher liability limits and comprehensive and collision protection.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record: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. Their rates are up to 45% cheaper than the city average for minimum coverage and 31% lower for full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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. This rate is 42% below the city average for similar coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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 Value
pros
Strong customer service ratings
Comprehensive coverage options
Competitive rates across driver types
cons
Not the cheapest minimum coverage
Higher rates for high-risk drivers
COMPANY HIGHLIGHTS
Progressive ranks first in Vancouver for its balanced mix of coverage options and service quality. The company's full coverage rates start at $106 monthly, while minimum coverage begins at $63. Progressive stands out for high customer satisfaction scores and ranks second in the city for both customer experience and coverage options. Drivers particularly value the company's user-friendly digital tools and variety of discounts.
Travelers: Best Customer Experience
pros
Top-rated customer service
Good rates for newer vehicles
Multiple coverage add-ons
cons
Limited local agent availability
Higher full coverage rates
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 run 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.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record: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.
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ZIP Code:98660
| 98660 | $53 | $116 |
How to Get the Best Cheap Vancouver Car Insurance
Finding affordable car insurance in Vancouver can be challenging with the area's high rates and complex coverage options. This step-by-step guide shows you how to secure better coverage while saving money on your auto insurance.
- 1
Calculate your coverage requirements
Start by determining how much coverage you actually need. Your car's value, driving habits, and budget all play important roles in this decision. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific situation.
- 2
Explore alternative insurance options
Different types of car insurance can save you money based on your driving habits. Consider pay-per-mile coverage if you drive infrequently or non-owner insurance if you don't own a vehicle but occasionally drive.
- 3
Know 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 recognize good deals and avoid overpaying for coverage.
- 4
Check available insurance discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts, and military discounts can also reduce your rates significantly.
- 5
Research insurance company reputations
Look beyond just prices when choosing an insurer. Check customer reviews, claims satisfaction ratings, and financial strength scores. A company's reputation for customer service and claims handling is just as important as competitive rates.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Each company uses different factors to set rates, so comparing multiple quotes helps ensure you get the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new rates. Life changes like moving, buying a new car, or improving your credit score can qualify you for better rates. Don't let loyalty to one company cost you money.
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
Looking for cheap car insurance in Vancouver? Our insurance experts break down everything you need to know about finding affordable coverage. These FAQs help you understand your options and get the best rates while maintaining proper protection.
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
To help Vancouver drivers find the most affordable auto insurance companies, MoneyGeek analyzed Vancouver auto insurance rates based on data and information from the Washington State Office of the Insurance Commissioner and Quadrant Information Services. We studied all ZIP codes in Vancouver and hundreds of thousands of quotes for 12 companies offering auto insurance in Washington to tailor options as closely as possible to you.
Vancouver Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Vancouver with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Vancouver
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Washington are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Vancouver based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.