Compare the Cheapest Car Insurance Quotes in Vancouver, WA

In Vancouver, the average annual car insurance cost is $1,142, which is $122 lower than the state average. MoneyGeek compared and ranked different Vancouver insurers based on the coverage level and driver profile and found that PEMCO is the cheapest widely available insurer. MoneyGeek can help you find the best insurers in Vancouver if you’re looking for a balance of affordability and top-notch service.

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Last Updated: 5/16/2022
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In Vancouver, PEMCO is the most affordable insurer for full coverage. Progressive is the cheapest company for state minimum coverage. GEICO is the most affordable for drivers with a speeding ticket. If you’re a member of the military, USAA might be the best overall option for you. MoneyGeek also found that The Hartford is the best provider in Vancouver, balancing affordability and great customer service.

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The Cheapest and Best Car Insurance in Vancouver

The Cheapest Car Insurance Companies in Vancouver

The following companies are the top options for drivers looking for cheap full coverage car insurance in Vancouver:

  • PEMCO: $705 per year
  • GEICO: $789 per year

USAA has the most affordable annual average rate at $585, but it’s only available to drivers who are veterans or current members of the military and their immediate families. MetLife has the most expensive average premiums at $2,450 per year, just over 247% more than PEMCO.

These prices are average rates for full coverage policies, which include both comprehensive and collision insurance. The actual annual premium depends on the liability limits you select.

Cheapest Car Insurance in Vancouver
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $585
  • 2.
    PEMCO
    $705
  • 3.
    GEICO
    $789
  • 4.
    State Farm
    $821
  • 5.
    Progressive
    $828
  • 6.
    Allstate
    $1,025
  • 7.
    Travelers
    $1,050
  • 8.
    Allied
    $1,058
  • 9.
    American Family
    $1,146
  • 10.
    Farmers
    $1,545
  • 11.
    MetLife
    $2,450

Following Moneygeek’s methodology, the average car insurance rates used for this analysis are for a 40-year-old male driver in Vancouver with a full coverage policy.

While full coverage policies cost more than minimum coverage, they add comprehensive and collision insurance to state minimum coverage requirements. That means you get protection against possible expenses if your car gets damaged in a collision.

However, liability-only or state minimum car insurance may be the better option if you have an older car. That’s because, with full coverage, you may end up paying more in premiums than the replacement value of your vehicle.

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Cheapest Car Insurance in Vancouver for Minimum Coverage

Buying a policy that only meets the state minimum coverage requirements is the most affordable option for Vancouver drivers. The cheapest companies in the city for this coverage are:

  • Progressive: $385 per year
  • PEMCO: $410 per year

USAA has the most affordable policies, averaging $300 per year. However, car insurance from USAA is only available to military families. At $1,473 annually, MetLife is the most expensive company in Vancouver for minimum coverage, costing $1,088 more than Progressive.

A state minimum policy is the most affordable option, but it has low levels of liability coverage and doesn’t include comprehensive and collision insurance. That means you risk not being fully covered.

Check the table below to see how rates change as liability coverage increases.

Cheapest Minimum Liability Car Insurance in Vancouver
State Minimum

A policy that only meets Washington’s minimum liability requirements is the cheapest insurance for Vancouver drivers. However, at 25/50/10, it also offers the least protection as it only covers bodily injury and property damage liability.

For instance, if you’re in an at-fault accident that leads to a total of $20,000 worth of property damage, you’d have to pay $10,000 out of pocket because the state minimum covers only up to $10,000 for property damage liability per accident.

Washington Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Vancouver if You Have Driving Violations

Traffic violations, such as at-fault accidents, DUIs and speeding tickets, can increase your car insurance costs. The cheapest insurance providers for Vancouver drivers with a violation are:

  • Cheapest after a ticket: GEICO, $789 per year
  • Cheapest after an at-fault accident: PEMCO, $953 per year
  • Cheapest after a DUI: State Farm, $897 per year

If you’re a member of the military, USAA offers the cheapest average annual rates after a speeding ticket ($683) and an at-fault accident ($825).

Vancouver drivers with bad records can improve their driving history over time and see their premiums decrease accordingly. In the meantime, the best way to find affordable insurance after a violation is to shop around.

Cheapest Car Insurance in Vancouver With a Violation
Speeding Ticket

Average Cost of Car Insurance in Vancouver

Vancouver$1,142
Washington$1,264
U.S.$1,424

The typical 40-year-old Vancouver driver with a good driving record pays an average of $1,142 annually for car insurance. This is slightly lower than the $1,264 average annual rate across the state of Washington. Compared to the average yearly car insurance premium in the United States, Vancouver rates are 19.8% lower.

Personalized Quotes to Get You the Cheapest Car Insurance in Vancouver

Car insurance rates provided on this website are average rates for the typical Vancouver driver. Actual premiums will depend on several factors that vary with each driver. One important determinant is your personal driving record. A traffic ticket or DUI may raise your premiums considerably, while your age and credit score may help you secure discounts.

You will need to request and compare personalized insurance quotes to get the best car insurance package for your budget and requirements.

Compare Car Insurance Rates in Vancouver

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in Vancouver

MoneyGeek ranked the top insurance companies in Vancouver to help find the best options for drivers who value both affordability and quality service. The top two insurers in the city for most drivers are:

  • Hartford: MoneyGeek score of 93 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

Although USAA received the highest rating in Vancouver, it wasn’t listed as best overall because its policies are only available to military members, veterans, and the spouses and children of USAA policyholders.

To calculate these scores, MoneyGeek assessed various factors such as affordability, financial stability and user satisfaction ratings. We also reviewed data from a number of resources, including data analytics and consumer intelligence company J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:92.5

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
American Family
Score:80

3/5

Affordability

2/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
Farmers
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Liberty Mutual
Score:77.5

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Average Cost of Car Insurance by Postal Code

Car insurance rates in the United States can vary between cities and ZIP codes. The difference depends on several key factors such as crime rates, frequency of accidents and the rate of uninsured motorists.

In Vancouver, there is minimal difference between ZIP codes. Drivers in ZIP code 98682 pay the city’s cheapest average rate of $1,136, while drivers in the 98661 neighborhood pay roughly $11 more on average.

  • Zip Code
    State Minimumper year
  • 98682
    $1,136
  • 98661
    $1,147

Factors That Impact Insurance Costs in Vancouver

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Vancouver. How Vancouver ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities168th/300
handcuffs2 icon
Most Car Thefts272nd/300
uninsured icon
Most Uninsured Motorists by State7th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall157th/300
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Most Rainy Days13th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Vancouver are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.