Cheapest and Best Car Insurance Companies in Vancouver, WA

Finding the cheapest car insurance for you may depend on your particular needs and driver profile. In Vancouver, drivers looking for minimum or full coverage policies may find the lowest rates from PEMCO. It’s also the cheapest company for drivers with violations on their records and those with a military background. Teens on a family policy may find the lowest rates with Kemper.

If you prefer a blend of service quality and affordability, Chubb is MoneyGeek’s pick for the best overall insurer, best customer service and best cheap car insurance in Vancouver.

Our study determined that the cheapest minimum coverage policies in Vancouver are offered by:

• PEMCO: $257 per year
• Capital Insurance Group: $330 per year

A minimum coverage policy from Dairyland is the most expensive, at an average of $1,631 per year.

On a statewide basis, PEMCO also offers the cheapest auto insurance in Washington at $309 per year as of October 2022. As you can see, PEMCO’s car insurance rates for Vancouver are much cheaper than they are for Washington as a whole.

Washington’s minimum car insurance laws only include bodily injury liability and property damage liability with the following limits:

• $25,000 per person in bodily injury liability
• $50,000 per accident in bodily injury liability
• $10,000 per accident in property damage liability

Having minimum coverage means you’re only covered for damages incurred by third parties in an accident. If you are at fault and have $25,000 in bodily injury liability per person and $50,000 per accident, your insurer will only cover $25,000 in damages for each individual, up to $50,000 for the accident.

In Vancouver, the least expensive auto insurers for full coverage are:

• PEMCO: $501 per year
• Kemper: $721 per year

Dairyland’s full coverage policy is the most expensive at an average of $3,422 per year.

If we zoom out to examine the entire state, PEMCO is also the cheapest full coverage car insurance provider in Washington at $614 per year, which is $113 higher than its average rate for Vancouver as of October 2022.

A full coverage policy includes comprehensive and collision insurance.

• Collision Insurance: Helps pay for repairs or replacement of your vehicle after damaging it in a collision with another car or object.
• Comprehensive Insurance: Helps pay for repairs or replacement of your vehicle after a non-accident incident like animal damage, a weather-related event, vandalism or theft.

Having full coverage is ideal if you have a new car, but paying hundreds more per year for additional coverage may not be a wise financial decision if your vehicle is older or has a lower value.

For drivers with the following violations, these are the most affordable car insurance companies in Vancouver:

• Speeding ticket: PEMCO ($626 per year)
• At-fault accident: PEMCO ($688 per year)
• DUI: PEMCO ($833 per year)

Dairyland is the most expensive after a speeding ticket ($3,988 per year) and an at-fault accident ($4,374 per year), whereas Kemper is the most expensive after a DUI ($3,825 per year). With violations on your driving record, even the cheapest rates will still be considerably higher than rates for drivers with clean records.

Auto insurance rates may increase depending on the severity of the driving violation. For example, Vancouver drivers with a DUI may pay about $207 more for the cheapest full coverage policy than those with a speeding ticket. You can lower your premiums by finding the cheapest auto insurance with a bad driving record.

For 16-year-old drivers on a family policy, the most affordable car insurance providers in Vancouver are:

• Kemper: $1,611 per year for teen girls; $1,674 per year for teen boys
• Allstate: $1,895 per year for teen girls; $1,992 per year for teen boys

Families adding a teen girl or boy to a policy may get the highest rates from Progressive at $3,988 or $4,396 per year, respectively. Because insurance companies view teen boys as riskier to insure, they tend to have more expensive premiums than teen girls. Rates tend to even out as teen drivers become young adults.

Adding a teenager to a family policy is a more affordable way to purchase coverage than purchasing a separate policy for the teen. In Vancouver, families can save approximately $2,381 per year if they add a teen boy to an existing policy instead of purchasing an individual policy. As always, comparing rates between multiple insurers can help find the most affordable car insurance for teens.

Vancouver drivers with military backgrounds may find the lowest full coverage rates from these auto insurers:

• PEMCO: $501 per year
• USAA: $564 per year

For minimum coverage policies, USAA offers the cheapest car insurance for military families at $252 per year, while PEMCO ranks second at $257 per year.

Getting a car insurance quote online from one company can take 15 minutes or more and requires handing over a lot of personal information. The process may be even more time-consuming if you want to compare quotes from multiple insurers.

Use our car insurance calculator to obtain a quick estimate of your rates with different insurers based on just your age, vehicle type, coverage level and driving record.

The best auto insurer for you usually depends on how much you prioritize cost, service, coverage and other factors. These are the best car insurance companies in Vancouver:

• Best overall: Chubb (MoneyGeek score 84 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: Chubb (MoneyGeek score 85 out of 100)

Changes in a company’s overall MoneyGeek scores reflect the differences in how factors were weighted in each category. Companies like Chubb that win all categories in Vancouver combine affordability with quality service. It’s also the best car insurance provider in Washington on a statewide basis. For military families, USAA is another good option, receiving a MoneyGeek score of 84 out of 100.

Considering cost and service quality, the best companies for car insurance in Vancouver are:

• Chubb: MoneyGeek score of 84 out of 100 ($965 per year)
• Capital Insurance Group: MoneyGeek score of 80 out of 100 ($728 per year)

Among 13 insurers, Chubb ranked the highest for its excellent customer service and reasonable pricing.

For military members and their families, USAA is an ideal option for car insurance, with the company receiving a MoneyGeek score of 84 out of 100.

Regardless of cost, the best car insurance providers for customer service in Vancouver are:

• Chubb: MoneyGeek score of 76 out of 100 ($965 per year)
• Capital Insurance Group: MoneyGeek score of 68 out of 100 ($728 per year)

Our study determined that Chubb is the best auto insurer for customer support due to its quality service and efficient claims management. That said, it’s more expensive than most insurers in our comparison group, so expect to pay more for its excellent service.

Looking into cost and customer service for policies that only meet Washington’s minimum coverage requirements, Vancouver’s best car insurance companies are:

• Chubb: MoneyGeek score of 85 out of 100 ($425 per year)
• Capital Insurance Group: MoneyGeek score of 80 out of 100 ($330 per year)

Minimum coverage policies have the lowest rates, but they provide the least amount of protection against liability costs and no coverage for damages to your car in the event of an accident.

For a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident, the average cost of car insurance in Vancouver is $1,094 per year as of October 2022. This rate is $75 cheaper than the average cost of car insurance in Washington and $171 lower than the national average of $1,265 per year. Your location is one of many factors affecting the cost of car insurance.