Finding the ideal auto insurance depends on your preferences and coverage needs. In Vancouver, Washington, Kemper offers the most affordable full coverage and the lowest rates for families with teens. Chubb gets the top spot for customer service, but PEMCO claims the best overall for its optimal mix of price and service quality.
Cheapest and Best Car Insurance in Vancouver, WA (August 2024)
PEMCO offers the cheapest minimum coverage in Vancouver at $381 annually. PEMCO also stands out as best overall with a MoneyGeek score of 90 out of 100.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Nica Gonzales-Villaraza
Senior Content Editor
Nica Gonzales is a senior editor with over 10 years of experience in the legal and financial service industries, with expertise in brand identity, digital editorial, web accessibility and paid media. Gonzales graduated from the University of the Philippines with a bachelor’s degree in speech communication.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Nica Gonzales-Villaraza
Senior Content Editor
Nica Gonzales is a senior editor with over 10 years of experience in the legal and financial service industries, with expertise in brand identity, digital editorial, web accessibility and paid media. Gonzales graduated from the University of the Philippines with a bachelor’s degree in speech communication.
Updated: September 4, 2024
Advertising & Editorial Disclosure
Cheapest and Best Car Insurance in Vancouver
Why Trust MoneyGeek? We analyzed 81,780 quotes from 15 companies in Washington, including the city of Vancouver. We used six sources and original research to rate the cheapest companies and develop a scoring system for Vancouver insurance providers based on ZIP codes in the entire city. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Vancouver, WA, as of August 2024.
Cheapest Minimum Coverage Car Insurance in Vancouver
MoneyGeek found that these companies offer the cheapest car insurance for minimum coverage in Vancouver:
- PEMCO: $381 per year
- State Farm: $406 per year
Dairyland has the most expensive policy at $2,142 annually. The price gap between the cheapest and most expensive is $1,761, a significant difference that highlights the importance of comparing rates to save costs.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
PEMCO | Annual Premium$381 | Monthly Premium$32 |
State Farm | Annual Premium$406 | Monthly Premium$34 |
Auto-Owners Insurance Co | Annual Premium$419 | Monthly Premium$35 |
Farmers | Annual Premium$450 | Monthly Premium$38 |
Progressive | Annual Premium$507 | Monthly Premium$42 |
Nationwide | Annual Premium$510 | Monthly Premium$43 |
Travelers | Annual Premium$523 | Monthly Premium$44 |
Chubb | Annual Premium$524 | Monthly Premium$44 |
American Family | Annual Premium$650 | Monthly Premium$54 |
GEICO | Annual Premium$683 | Monthly Premium$57 |
Kemper | Annual Premium$720 | Monthly Premium$60 |
Allstate | Annual Premium$778 | Monthly Premium$65 |
National General | Annual Premium$954 | Monthly Premium$80 |
Dairyland | Annual Premium$2,142 | Monthly Premium$178 |
State Minimum Liability Requirements
Washington's state law prescribes the following minimum car insurance coverage:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $10,000 property damage liability per accident
A minimum coverage policy will cover up to $25,000 for each injured person, maxing out at $50,000 for all injuries in one accident. But if actual damages exceed these figures, any extra comes directly out of your wallet.
Cheapest Full Coverage Car Insurance in Vancouver
MoneyGeek found that Kemper is the cheapest option in Vancouver for drivers seeking the cheapest full coverage car insurance, followed by Nationwide.
- Kemper: $823 per year
- Nationwide: $828 per year
National General has the most expensive policy at $2,020 annually. The contrast in rates — nearly $1,200 — shows the need to compare rates. Full coverage costs more than minimum coverage because it offers expansive protection, including collision and comprehensive insurance, safeguarding against a wide array of potential risks.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Kemper | Annual Premium$823 | Monthly Premium$69 |
Nationwide | Annual Premium$828 | Monthly Premium$69 |
PEMCO | Annual Premium$830 | Monthly Premium$69 |
Auto-Owners Insurance Co | Annual Premium$861 | Monthly Premium$72 |
Progressive | Annual Premium$873 | Monthly Premium$73 |
State Farm | Annual Premium$880 | Monthly Premium$73 |
Farmers | Annual Premium$884 | Monthly Premium$74 |
American Family | Annual Premium$1,005 | Monthly Premium$84 |
Travelers | Annual Premium$1,055 | Monthly Premium$88 |
Allstate | Annual Premium$1,203 | Monthly Premium$100 |
Chubb | Annual Premium$1,268 | Monthly Premium$106 |
GEICO | Annual Premium$1,298 | Monthly Premium$108 |
National General | Annual Premium$2,020 | Monthly Premium$168 |
Dairyland | Annual Premium$4,572 | Monthly Premium$381 |
Do You Need Full Coverage in Vancouver?
Expanding liability coverage, a full coverage policy integrates collision and comprehensive insurance:
- Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
- Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.
If you have a new vehicle, opt for full coverage for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.
Owners of older vehicles may find the extra premium for full coverage less justifiable due to the car's decreased value. Striking the right balance is key when deciding how much car insurance you need; higher coverage leads to increased premiums, but with lower coverage, you run the risk of being inadequately insured.
Cheapest Car Insurance in Vancouver After a Driving Offense
Full coverage premiums vary based on the specific driving offense. Here are the companies with the lowest premiums for drivers with violations in Vancouver:
- Speeding Ticket: State Farm ($1,006 per year)
- At-Fault Accident: Kemper ($1,071 per year)
- DUI: State Farm ($1,006 per year)
Dairyland has the highest rates for the three incidents listed. The annual premium for the cheapest company after a speeding ticket is $1,006, while the premium for the cheapest after a DUI also stands at $1,006. Although the difference is not significant here, the nature of the driving offense can have an impact on rates.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
State Farm | Annual Premium$1,006 | Monthly Premium$84 |
PEMCO | Annual Premium$1,037 | Monthly Premium$86 |
Kemper | Annual Premium$1,042 | Monthly Premium$87 |
Farmers | Annual Premium$1,069 | Monthly Premium$89 |
Progressive | Annual Premium$1,174 | Monthly Premium$98 |
Auto-Owners Insurance Co | Annual Premium$1,182 | Monthly Premium$98 |
American Family | Annual Premium$1,199 | Monthly Premium$100 |
Allstate | Annual Premium$1,335 | Monthly Premium$111 |
Chubb | Annual Premium$1,405 | Monthly Premium$117 |
Nationwide | Annual Premium$1,424 | Monthly Premium$119 |
Travelers | Annual Premium$1,470 | Monthly Premium$122 |
GEICO | Annual Premium$1,863 | Monthly Premium$155 |
National General | Annual Premium$2,749 | Monthly Premium$229 |
Dairyland | Annual Premium$5,328 | Monthly Premium$444 |
Insurance premiums in Vancouver and other cities often escalate with the severity of a driver's offense, reflecting the increased risk insurers must account for. For instance, drivers with a DUI may face an average annual rate of $2,034, significantly higher than those who have received a speeding ticket, who might expect an average rate of $1,688. Given these variations in rates, it is crucial for motorists with offenses to diligently compare insurance offers to secure potential savings on their premiums.
Cheapest Car Insurance in Vancouver for Teens and Their Families
MoneyGeek found that Kemper offers the most affordable full coverage car insurance for teen drivers in Vancouver.
- Kemper: $1,611 per year for female teens and $1,674 per year for male teens
- Allstate: $1,894 per year for female teens and $1,991 per year for male teens
These rates apply to a family with two parents and a teenager. Progressive's policy for female teens is the most expensive at $3,987 per year, a striking $2,376 difference from Kemper, the cheapest option. This disparity emphasizes the importance of shopping around for car insurance, especially when adding a higher-risk driver, such as a teenager, to the policy.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Kemper | Family Plan Annual Premium$1,611 | Individual Plan Monthly Premium$2,130 |
Allstate | Family Plan Annual Premium$1,895 | Individual Plan Monthly Premium$6,455 |
Nationwide | Family Plan Annual Premium$2,034 | Individual Plan Monthly Premium$5,822 |
Capital Insurance Group | Family Plan Annual Premium$2,130 | Individual Plan Monthly Premium$2,957 |
Travelers | Family Plan Annual Premium$2,169 | Individual Plan Monthly Premium$3,799 |
State Farm | Family Plan Annual Premium$2,295 | Individual Plan Monthly Premium$2,936 |
GEICO | Family Plan Annual Premium$2,968 | Individual Plan Monthly Premium$7,149 |
Farmers | Family Plan Annual Premium$3,013 | Individual Plan Monthly Premium$5,103 |
Progressive | Family Plan Annual Premium$3,988 | Individual Plan Monthly Premium$5,971 |
In Vancouver, young drivers face steep premiums for car insurance. On average, an individual teen policy costs around $5,145 annually, while adding a teen to a family plan averages about $2,708. The disparity in rates stems from the higher risk insurers associate with inexperienced teen drivers, warranting higher premiums to offset potential claims.
Cheapest Car Insurance in Vancouver for Military Drivers
MoneyGeek found that USAA offers the most affordable car insurance for those with military backgrounds in Vancouver.
- USAA: $660 per year
- Kemper: $823 per year
USAA is not only one of the most economical choices but is renowned for its focus on serving the unique needs of the military community.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
USAA | Annual Premium$660 | Monthly Premium$55 |
Kemper | Annual Premium$823 | Monthly Premium$69 |
Nationwide | Annual Premium$828 | Monthly Premium$69 |
PEMCO | Annual Premium$830 | Monthly Premium$69 |
Auto-Owners Insurance Co | Annual Premium$861 | Monthly Premium$72 |
Progressive | Annual Premium$873 | Monthly Premium$73 |
State Farm | Annual Premium$880 | Monthly Premium$73 |
Farmers | Annual Premium$884 | Monthly Premium$74 |
American Family | Annual Premium$1,005 | Monthly Premium$84 |
Travelers | Annual Premium$1,055 | Monthly Premium$88 |
Allstate | Annual Premium$1,203 | Monthly Premium$100 |
Chubb | Annual Premium$1,268 | Monthly Premium$106 |
GEICO | Annual Premium$1,298 | Monthly Premium$108 |
National General | Annual Premium$2,020 | Monthly Premium$168 |
Dairyland | Annual Premium$4,572 | Monthly Premium$381 |
How to Compare Cheap Vancouver Car Insurance Quotes Online
In Vancouver, the key to unlocking savings on car insurance is through rate comparison — a meticulous process that can extend upwards of 15 minutes per insurer.
MoneyGeek's car insurance calculator streamlines this task. Simply input your age, driving history, credit score, desired coverage and other pertinent details to receive an immediate estimate, saving you both time and money.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 15, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Vancouver: Overview
Selecting the most suitable auto insurance for you hinged upon individual preferences for aspects like service quality, cost, and coverage. Below are the top car insurance providers in Vancouver:
- Best overall: PEMCO (MoneyGeek score 90 out of 100)
- Best for service: Chubb (MoneyGeek score 86 out of 100)
- Best cheap: Chubb (MoneyGeek score 91 out of 100)
Chubb stands as the finest option for exceptional service and affordability. PEMCO balances service quality with affordability, making it the most recommended provider in Vancouver.
Overall Best Car Insurance in Vancouver
MoneyGeek found that PEMCO offers the best option for car insurance in Vancouver, providing top-notch coverage and service.
- PEMCO: MoneyGeek score of 90 out of 100 ($831 per year)
- Chubb: MoneyGeek score of 89 out of 100 ($1,268 per year)
PEMCO distinguishes itself primarily due to its high customer satisfaction and affordability, making it an excellent choice for a full coverage policy in Vancouver.
PEMCO's high MoneyGeek Score is largely thanks to its impressive satisfaction and affordability scores. This insurer provides both common coverages: rental car and/or travel reimbursement and roadside assistance, reinforcing its strong offering. Despite this, PEMCO doesn't skimp on reasonably common coverages, offering lock replacement to further protect customers against specific inconveniences.
PEMCO provides rare coverages like custom parts coverage of up to $500 for customization, with the option for higher limits. Additionally, its pet coverage pays up to $1,000 for veterinary bills if your pet is injured in a car accident, providing peace of mind for pet owners.
Ranks first for general customer satisfaction
Ranks second for claims satisfaction
Offers rare coverages, such as custom parts coverage
Ranks third for affordability
Does not offer gap insurance or original equipment manufacturer (OEM ) coverage
MoneyGeek ranks Vancouver's top car insurers prioritizing customer satisfaction and cost-effectiveness, while also considering claims service, coverage options and financial stability.
Best Car Insurance in Vancouver for Customer Service
MoneyGeek found that Chubb provides the best customer service in Vancouver.
- Chubb: MoneyGeek score of 86 out of 100 ($1,268 per year)
- PEMCO: MoneyGeek score of 85 out of 100 ($830 per year)
Chubb stands out due to its superior claims-handling processes and financial stability. Customers have indicated high levels of general satisfaction with Chubb, which has played a significant role in its top MoneyGeek score.
With a satisfaction score of 40 (out of 45) and a claims score of 30 (out of 30), Chubb demonstrates its commitment to customer service and effective claims resolution.
Chubb's car insurance offerings include vintage car insurance for those with collectible vehicles, providing tailored insurance for unique needs. Its OEM coverage ensures high-quality repairs using original manufacturer parts. And its diminished value coverage can protect a car’s value after an accident. Unfortunately, it lacks one of the most common coverages — roadside assistance — though it does offer rental car and/or travel reimbursement.
Ranks second for general customer satisfaction
Ranks first for claims satisfaction
Offers rare OEM coverage and common rental car reimbursement
Does not offer roadside assistance or gap insurance
MoneyGeek rates Vancouver car insurance focusing on customer satisfaction and efficient claims, considering coverage options and company solvency as well.
Best Cheap Car Insurance Companies in Vancouver
MoneyGeek found that Chubb is the best option for affordable car insurance in Vancouver.
- Chubb: MoneyGeek score of 91 out of 100 ($524 per year)
- PEMCO: MoneyGeek score of 90 out of 100 ($381 per year)
Chubb stands out with the highest MoneyGeek score, reflecting its superior overall performance, particularly in claims satisfaction and financial stability. The affordability of a Chubb policy for minimum coverage contributes significantly to its top-ranking position.
Chubb leverages stellar claims handling and customer satisfaction scores to achieve a high MoneyGeek Score of 91 (out of 100). The average driver pays just $524 annually for minimum coverage. Chubb recognizes safety-conscious drivers with discounts for anti-theft systems and daytime running lights.
Drivers with Chubb policy enjoy savings with bundling, multiple car, and safe driving discounts. Additionally, Chubb offers a discount for anti-lock brakes, an enhancement for safety that provides both utility on the road and financial benefit. Its VIN etching discount also reflects Chubb’s dedication to theft prevention.
Offers rare discounts, such as honing device and VIN etching
Ranks first for claims satisfaction
Ranks second for non-claims customer satisfaction
MoneyGeek ranks Vancouver's top car insurance focusing on affordability, customer satisfaction, claims processing, coverage options and insurer stability.
Average Cost of Car Insurance in Vancouver
In Vancouver, WA, the average car insurance premium is $1,335, lower than the state average of $1,429 and the national premium of $1,781. Washington's state average is $353 less expensive than the national figure, indicating a significant regional difference in rates.
While location is a critical factor in determining car insurance costs, other influences such as a driver's history, vehicle type and coverage levels also play defining roles. Even within Washington, premiums vary: Spokane enjoys the state's most affordable rates at $975. Renton's premiums are the highest at $1,283. This difference shows how densely populated urban areas often face higher insurance costs.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.