Cheapest and Best Car Insurance in Vancouver, WA (August 2024)


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Updated: September 4, 2024

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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.

MoneyGeek Logo IconBest & CheapestCar InsuranceVancouver
2024

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.

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These rates reflect the cheapest car insurance quotes in Vancouver, WA, as of August 2024.

81,780Quotes Analyzed
 
15Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
PEMCOAnnual Premium$381Monthly Premium$32
State FarmAnnual Premium$406Monthly Premium$34
Auto-Owners Insurance CoAnnual Premium$419Monthly Premium$35
FarmersAnnual Premium$450Monthly Premium$38
ProgressiveAnnual Premium$507Monthly Premium$42
NationwideAnnual Premium$510Monthly Premium$43
TravelersAnnual Premium$523Monthly Premium$44
ChubbAnnual Premium$524Monthly Premium$44
American FamilyAnnual Premium$650Monthly Premium$54
GEICOAnnual Premium$683Monthly Premium$57
KemperAnnual Premium$720Monthly Premium$60
AllstateAnnual Premium$778Monthly Premium$65
National GeneralAnnual Premium$954Monthly Premium$80
DairylandAnnual Premium$2,142Monthly 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
KemperAnnual Premium$823Monthly Premium$69
NationwideAnnual Premium$828Monthly Premium$69
PEMCOAnnual Premium$830Monthly Premium$69
Auto-Owners Insurance CoAnnual Premium$861Monthly Premium$72
ProgressiveAnnual Premium$873Monthly Premium$73
State FarmAnnual Premium$880Monthly Premium$73
FarmersAnnual Premium$884Monthly Premium$74
American FamilyAnnual Premium$1,005Monthly Premium$84
TravelersAnnual Premium$1,055Monthly Premium$88
AllstateAnnual Premium$1,203Monthly Premium$100
ChubbAnnual Premium$1,268Monthly Premium$106
GEICOAnnual Premium$1,298Monthly Premium$108
National GeneralAnnual Premium$2,020Monthly Premium$168
DairylandAnnual Premium$4,572Monthly 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$1,006Monthly Premium$84
PEMCOAnnual Premium$1,037Monthly Premium$86
KemperAnnual Premium$1,042Monthly Premium$87
FarmersAnnual Premium$1,069Monthly Premium$89
ProgressiveAnnual Premium$1,174Monthly Premium$98
Auto-Owners Insurance CoAnnual Premium$1,182Monthly Premium$98
American FamilyAnnual Premium$1,199Monthly Premium$100
AllstateAnnual Premium$1,335Monthly Premium$111
ChubbAnnual Premium$1,405Monthly Premium$117
NationwideAnnual Premium$1,424Monthly Premium$119
TravelersAnnual Premium$1,470Monthly Premium$122
GEICOAnnual Premium$1,863Monthly Premium$155
National GeneralAnnual Premium$2,749Monthly Premium$229
DairylandAnnual Premium$5,328Monthly 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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
KemperFamily Plan Annual Premium$1,611Individual Plan Monthly Premium$2,130
AllstateFamily Plan Annual Premium$1,895Individual Plan Monthly Premium$6,455
NationwideFamily Plan Annual Premium$2,034Individual Plan Monthly Premium$5,822
Capital Insurance GroupFamily Plan Annual Premium$2,130Individual Plan Monthly Premium$2,957
TravelersFamily Plan Annual Premium$2,169Individual Plan Monthly Premium$3,799
State FarmFamily Plan Annual Premium$2,295Individual Plan Monthly Premium$2,936
GEICOFamily Plan Annual Premium$2,968Individual Plan Monthly Premium$7,149
FarmersFamily Plan Annual Premium$3,013Individual Plan Monthly Premium$5,103
ProgressiveFamily Plan Annual Premium$3,988Individual 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$660Monthly Premium$55
KemperAnnual Premium$823Monthly Premium$69
NationwideAnnual Premium$828Monthly Premium$69
PEMCOAnnual Premium$830Monthly Premium$69
Auto-Owners Insurance CoAnnual Premium$861Monthly Premium$72
ProgressiveAnnual Premium$873Monthly Premium$73
State FarmAnnual Premium$880Monthly Premium$73
FarmersAnnual Premium$884Monthly Premium$74
American FamilyAnnual Premium$1,005Monthly Premium$84
TravelersAnnual Premium$1,055Monthly Premium$88
AllstateAnnual Premium$1,203Monthly Premium$100
ChubbAnnual Premium$1,268Monthly Premium$106
GEICOAnnual Premium$1,298Monthly Premium$108
National GeneralAnnual Premium$2,020Monthly Premium$168
DairylandAnnual Premium$4,572Monthly 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.

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Rates updated:

Oct 15, 2024

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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.

Company logo for PEMCO
Best OverallPEMCO
MoneyGeek Score:
90/ of 100

Overview

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.

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.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
86/ of 100

Overview

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.

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.

Company logo for Chubb
Best Cheap CompanyChubb
MoneyGeek Score:
91/ of 100

Overview

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.

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.

BellevueAnnual Premium$1,495
EverettAnnual Premium$1,430
KentAnnual Premium$1,553
RentonAnnual Premium$1,552
SeattleAnnual Premium$1,551
SpokaneAnnual Premium$1,203
TacomaAnnual Premium$1,523
VancouverAnnual Premium$1,335

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.