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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceVancouver
2023

Cheapest and Best Car Insurance in Vancouver, WA

Cheapest Minimum Liability 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.

Company
Annual Premium
Monthly Premium

PEMCO

$257

$21

PEMCO

$279

$23

Capital Insurance Group

$304

$25

PEMCO

$320

$27

Capital Insurance Group

$330

$28

Chubb

$363

$30

State Farm

$371

$31

State Farm

$406

$34

Chubb

$425

$35

Travelers

$427

$36

Travelers

$432

$36

GEICO

$446

$37

Capital Insurance Group

$484

$40

Travelers

$488

$41

PEMCO

$501

$42

State Farm

$507

$42

PEMCO

$539

$45

GEICO

$565

$47

Kemper

$570

$48

Allstate

$578

$48

Chubb

$589

$49

GEICO

$592

$49

Allstate

$595

$50

Farmers

$603

$50

Kemper

$625

$52

Progressive

$628

$52

Allstate

$633

$53

PEMCO

$633

$53

American Family

$641

$53

Farmers

$641

$53

Kemper

$646

$54

Capital Insurance Group

$651

$54

American Family

$660

$55

Progressive

$679

$57

American Family

$686

$57

Nationwide

$687

$57

Progressive

$717

$60

Farmers

$717

$60

Kemper

$721

$60

Capital Insurance Group

$728

$61

Nationwide

$737

$61

National General

$743

$62

State Farm

$764

$64

Travelers

$800

$67

Chubb

$808

$67

Travelers

$832

$69

GEICO

$834

$70

State Farm

$840

$70

National General

$900

$75

Allstate

$906

$76

Kemper

$934

$78

Chubb

$965

$80

Allstate

$968

$81

Allstate

$976

$81

American Family

$981

$82

Travelers

$989

$82

GEICO

$1,006

$84

National General

$1,012

$84

Nationwide

$1,013

$84

Nationwide

$1,015

$85

American Family

$1,016

$85

American Family

$1,043

$87

Kemper

$1,050

$88

Capital Insurance Group

$1,077

$90

State Farm

$1,092

$91

Farmers

$1,103

$92

Farmers

$1,104

$92

Progressive

$1,120

$93

Nationwide

$1,123

$94

GEICO

$1,166

$97

Progressive

$1,184

$99

National General

$1,247

$104

Chubb

$1,299

$108

Farmers

$1,304

$109

Progressive

$1,330

$111

Nationwide

$1,511

$126

National General

$1,535

$128

National General

$1,555

$130

Dairyland

$1,582

$132

Dairyland

$1,631

$136

Dairyland

$2,399

$200

Dairyland

$3,099

$258

Dairyland

$3,422

$285

Dairyland

$4,962

$413

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.

Cheapest Full Coverage Car Insurance in Vancouver

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.

Company
Annual Premium
Monthly Premium

PEMCO

$257

$21

PEMCO

$279

$23

Capital Insurance Group

$304

$25

PEMCO

$320

$27

Capital Insurance Group

$330

$28

Chubb

$363

$30

State Farm

$371

$31

State Farm

$406

$34

Chubb

$425

$35

Travelers

$427

$36

Travelers

$432

$36

GEICO

$446

$37

Capital Insurance Group

$484

$40

Travelers

$488

$41

PEMCO

$501

$42

State Farm

$507

$42

PEMCO

$539

$45

GEICO

$565

$47

Kemper

$570

$48

Allstate

$578

$48

Chubb

$589

$49

GEICO

$592

$49

Allstate

$595

$50

Farmers

$603

$50

Kemper

$625

$52

Progressive

$628

$52

Allstate

$633

$53

PEMCO

$633

$53

American Family

$641

$53

Farmers

$641

$53

Kemper

$646

$54

Capital Insurance Group

$651

$54

American Family

$660

$55

Progressive

$679

$57

American Family

$686

$57

Nationwide

$687

$57

Progressive

$717

$60

Farmers

$717

$60

Kemper

$721

$60

Capital Insurance Group

$728

$61

Nationwide

$737

$61

National General

$743

$62

State Farm

$764

$64

Travelers

$800

$67

Chubb

$808

$67

Travelers

$832

$69

GEICO

$834

$70

State Farm

$840

$70

National General

$900

$75

Allstate

$906

$76

Kemper

$934

$78

Chubb

$965

$80

Allstate

$968

$81

Allstate

$976

$81

American Family

$981

$82

Travelers

$989

$82

GEICO

$1,006

$84

National General

$1,012

$84

Nationwide

$1,013

$84

Nationwide

$1,015

$85

American Family

$1,016

$85

American Family

$1,043

$87

Kemper

$1,050

$88

Capital Insurance Group

$1,077

$90

State Farm

$1,092

$91

Farmers

$1,103

$92

Farmers

$1,104

$92

Progressive

$1,120

$93

Nationwide

$1,123

$94

GEICO

$1,166

$97

Progressive

$1,184

$99

National General

$1,247

$104

Chubb

$1,299

$108

Farmers

$1,304

$109

Progressive

$1,330

$111

Nationwide

$1,511

$126

National General

$1,535

$128

National General

$1,555

$130

Dairyland

$1,582

$132

Dairyland

$1,631

$136

Dairyland

$2,399

$200

Dairyland

$3,099

$258

Dairyland

$3,422

$285

Dairyland

$4,962

$413

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.

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Cheapest Car Insurance in Vancouver After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

PEMCO

$323

$27

PEMCO

$362

$30

PEMCO

$373

$31

PEMCO

$378

$32

Capital Insurance Group

$394

$33

Chubb

$396

$33

Capital Insurance Group

$407

$34

State Farm

$413

$34

State Farm

$413

$34

PEMCO

$417

$35

PEMCO

$421

$35

Capital Insurance Group

$433

$36

Chubb

$445

$37

Chubb

$445

$37

Capital Insurance Group

$447

$37

State Farm

$451

$38

PEMCO

$451

$38

State Farm

$451

$38

State Farm

$453

$38

Chubb

$468

$39

State Farm

$496

$41

PEMCO

$505

$42

Chubb

$526

$44

Chubb

$526

$44

PEMCO

$530

$44

Capital Insurance Group

$560

$47

State Farm

$564

$47

State Farm

$564

$47

Travelers

$577

$48

Travelers

$610

$51

Travelers

$613

$51

Capital Insurance Group

$618

$52

State Farm

$620

$52

Travelers

$623

$52

GEICO

$623

$52

PEMCO

$626

$52

Allstate

$633

$53

Capital Insurance Group

$646

$54

Travelers

$647

$54

Allstate

$650

$54

Chubb

$653

$54

Travelers

$660

$55

Capital Insurance Group

$663

$55

PEMCO

$688

$57

Travelers

$689

$57

Farmers

$689

$57

Allstate

$697

$58

GEICO

$709

$59

PEMCO

$715

$60

GEICO

$719

$60

Travelers

$730

$61

Progressive

$732

$61

PEMCO

$735

$61

Chubb

$740

$62

Chubb

$740

$62

Travelers

$743

$62

Kemper

$746

$62

Allstate

$753

$63

American Family

$753

$63

American Family

$753

$63

Farmers

$761

$63

American Family

$762

$64

Allstate

$775

$65

Allstate

$777

$65

American Family

$777

$65

American Family

$777

$65

Farmers

$777

$65

Kemper

$777

$65

PEMCO

$778

$65

American Family

$788

$66

Progressive

$791

$66

Allstate

$798

$67

PEMCO

$799

$67

Farmers

$803

$67

GEICO

$810

$68

American Family

$811

$68

American Family

$811

$68

Kemper

$817

$68

Kemper

$818

$68

American Family

$821

$68

Progressive

$829

$69

PEMCO

$833

$69

Kemper

$840

$70

Allstate

$842

$70

State Farm

$844

$70

State Farm

$844

$70

GEICO

$847

$71

Kemper

$853

$71

Progressive

$854

$71

Farmers

$865

$72

GEICO

$866

$72

Capital Insurance Group

$866

$72

Farmers

$866

$72

Allstate

$870

$73

Progressive

$886

$74

National General

$889

$74

Capital Insurance Group

$891

$74

Farmers

$893

$74

Chubb

$893

$74

Progressive

$906

$76

Kemper

$913

$76

Capital Insurance Group

$919

$77

State Farm

$924

$77

State Farm

$927

$77

State Farm

$927

$77

PEMCO

$938

$78

Kemper

$938

$78

PEMCO

$966

$81

Farmers

$966

$81

GEICO

$972

$81

Capital Insurance Group

$974

$81

Farmers

$983

$82

National General

$986

$82

Capital Insurance Group

$999

$83

Allstate

$1,005

$84

Chubb

$1,010

$84

Chubb

$1,010

$84

State Farm

$1,014

$85

GEICO

$1,020

$85

Nationwide

$1,042

$87

National General

$1,061

$88

Chubb

$1,071

$89

Allstate

$1,074

$90

GEICO

$1,081

$90

Allstate

$1,090

$91

Nationwide

$1,097

$91

National General

$1,158

$97

Travelers

$1,163

$97

American Family

$1,170

$97

American Family

$1,170

$97

GEICO

$1,192

$99

Capital Insurance Group

$1,194

$100

Travelers

$1,197

$100

Progressive

$1,197

$100

Nationwide

$1,206

$101

State Farm

$1,207

$101

State Farm

$1,207

$101

American Family

$1,208

$101

Chubb

$1,215

$101

Chubb

$1,215

$101

American Family

$1,215

$101

American Family

$1,215

$101

Travelers

$1,218

$101

Kemper

$1,226

$102

Allstate

$1,229

$102

National General

$1,229

$102

American Family

$1,246

$104

American Family

$1,246

$104

American Family

$1,255

$105

Travelers

$1,258

$105

Allstate

$1,272

$106

Nationwide

$1,272

$106

Travelers

$1,274

$106

Kemper

$1,281

$107

American Family

$1,291

$108

Farmers

$1,298

$108

Allstate

$1,313

$109

Progressive

$1,317

$110

State Farm

$1,321

$110

Travelers

$1,334

$111

GEICO

$1,335

$111

National General

$1,338

$112

Kemper

$1,340

$112

Capital Insurance Group

$1,340

$112

Allstate

$1,346

$112

Farmers

$1,347

$112

Progressive

$1,348

$112

Allstate

$1,359

$113

Travelers

$1,365

$114

National General

$1,365

$114

Kemper

$1,378

$115

Progressive

$1,384

$115

Allstate

$1,394

$116

Travelers

$1,408

$117

Farmers

$1,411

$118

National General

$1,413

$118

Nationwide

$1,447

$121

Chubb

$1,448

$121

GEICO

$1,451

$121

Progressive

$1,455

$121

National General

$1,467

$122

Capital Insurance Group

$1,477

$123

Farmers

$1,480

$123

Travelers

$1,492

$124

Farmers

$1,501

$125

Capital Insurance Group

$1,515

$126

Progressive

$1,543

$129

GEICO

$1,555

$130

Farmers

$1,559

$130

Nationwide

$1,570

$131

Progressive

$1,580

$132

Dairyland

$1,582

$132

Nationwide

$1,588

$132

Farmers

$1,617

$135

Dairyland

$1,631

$136

Progressive

$1,633

$136

GEICO

$1,636

$136

Chubb

$1,651

$138

Chubb

$1,651

$138

Nationwide

$1,655

$138

Farmers

$1,659

$138

Progressive

$1,678

$140

Nationwide

$1,696

$141

National General

$1,697

$141

Nationwide

$1,698

$142

GEICO

$1,717

$143

Kemper

$1,755

$146

Farmers

$1,770

$148

National General

$1,772

$148

Nationwide

$1,791

$149

National General

$1,807

$151

Dairyland

$1,860

$155

Dairyland

$1,908

$159

GEICO

$1,909

$159

Kemper

$1,927

$161

Nationwide

$1,947

$162

National General

$1,951

$163

GEICO

$1,962

$164

National General

$2,005

$167

National General

$2,015

$168

GEICO

$2,023

$169

Dairyland

$2,042

$170

Capital Insurance Group

$2,051

$171

Nationwide

$2,079

$173

Nationwide

$2,147

$179

Dairyland

$2,158

$180

National General

$2,171

$181

Progressive

$2,221

$185

National General

$2,279

$190

Nationwide

$2,359

$197

Dairyland

$2,399

$200

Nationwide

$2,495

$208

Progressive

$2,503

$209

Nationwide

$2,515

$210

Progressive

$2,528

$211

National General

$2,672

$223

Dairyland

$2,713

$226

Kemper

$2,921

$243

Dairyland

$3,054

$254

Nationwide

$3,067

$256

Dairyland

$3,099

$258

Kemper

$3,407

$284

Dairyland

$3,422

$285

Dairyland

$3,618

$302

Kemper

$3,825

$319

Dairyland

$3,933

$328

Dairyland

$3,988

$332

Dairyland

$4,374

$365

Dairyland

$4,962

$413

Dairyland

$5,654

$471

Kemper

$5,724

$477

Dairyland

$6,176

$515

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.

Cheapest Car Insurance in Vancouver for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Kemper

$848

$2,125

Kemper

$978

$2,787

Travelers

$985

$1,416

Travelers

$1,066

$1,473

Travelers

$1,101

$1,583

Travelers

$1,112

$1,758

Travelers

$1,139

$1,637

Allstate

$1,180

$1,753

Allstate

$1,182

$1,730

Nationwide

$1,189

$3,243

Nationwide

$1,192

$3,518

State Farm

$1,218

$1,236

Travelers

$1,220

$1,685

Allstate

$1,242

$2,325

Capital Insurance Group

$1,245

$1,593

GEICO

$1,248

$1,818

GEICO

$1,258

$1,672

Travelers

$1,266

$2,020

Travelers

$1,272

$1,925

Capital Insurance Group

$1,273

$1,657

Allstate

$1,278

$1,870

GEICO

$1,307

$2,382

Allstate

$1,315

$5,224

GEICO

$1,317

$2,514

Travelers

$1,317

$1,820

Allstate

$1,325

$2,708

GEICO

$1,328

$1,765

Capital Insurance Group

$1,334

$1,707

Allstate

$1,347

$2,238

Capital Insurance Group

$1,350

$1,758

State Farm

$1,368

$1,388

GEICO

$1,372

$1,998

Allstate

$1,374

$2,042

Capital Insurance Group

$1,387

$1,938

State Farm

$1,393

$1,383

Capital Insurance Group

$1,395

$1,949

Allstate

$1,399

$2,048

GEICO

$1,431

$2,338

Allstate

$1,434

$2,461

GEICO

$1,435

$2,178

Capital Insurance Group

$1,438

$1,872

State Farm

$1,440

$1,700

Nationwide

$1,461

$2,449

Allstate

$1,471

$2,753

Capital Insurance Group

$1,477

$1,891

Travelers

$1,494

$2,570

Travelers

$1,496

$2,256

State Farm

$1,497

$1,519

GEICO

$1,497

$2,181

Farmers

$1,498

$1,906

Allstate

$1,504

$3,368

Nationwide

$1,507

$2,638

Capital Insurance Group

$1,509

$1,962

Travelers

$1,512

$2,289

GEICO

$1,515

$2,013

Allstate

$1,524

$2,264

Capital Insurance Group

$1,535

$2,005

Allstate

$1,552

$6,587

State Farm

$1,555

$1,838

Farmers

$1,583

$2,088

State Farm

$1,584

$1,573

Nationwide

$1,607

$2,694

Kemper

$1,611

$4,678

Kemper

$1,611

$4,678

Kemper

$1,611

$4,678

Kemper

$1,611

$4,678

Kemper

$1,611

$4,678

Kemper

$1,611

$4,678

Kemper

$1,611

$4,678

Nationwide

$1,641

$3,020

Allstate

$1,642

$3,923

Nationwide

$1,674

$2,929

Kemper

$1,674

$5,429

Kemper

$1,674

$5,429

Kemper

$1,674

$5,429

Kemper

$1,674

$5,429

Kemper

$1,674

$5,429

Kemper

$1,674

$5,429

Kemper

$1,674

$5,429

Allstate

$1,682

$3,437

State Farm

$1,686

$1,991

Nationwide

$1,694

$2,839

Capital Insurance Group

$1,703

$2,379

Nationwide

$1,703

$3,278

Capital Insurance Group

$1,720

$2,403

Travelers

$1,727

$3,037

GEICO

$1,746

$3,334

State Farm

$1,746

$2,064

Nationwide

$1,760

$3,081

State Farm

$1,761

$2,345

State Farm

$1,761

$1,749

Capital Insurance Group

$1,769

$2,299

GEICO

$1,775

$4,323

Capital Insurance Group

$1,784

$2,329

GEICO

$1,789

$3,931

State Farm

$1,793

$2,221

Travelers

$1,795

$3,128

Capital Insurance Group

$1,811

$2,809

Travelers

$1,814

$2,734

Capital Insurance Group

$1,820

$2,796

Nationwide

$1,824

$6,341

Allstate

$1,859

$7,383

Kemper

$1,866

$4,678

Kemper

$1,866

$4,678

Capital Insurance Group

$1,878

$2,913

Nationwide

$1,881

$7,339

Nationwide

$1,886

$7,316

Allstate

$1,895

$9,970

Capital Insurance Group

$1,903

$2,923

GEICO

$1,905

$3,472

Kemper

$1,906

$5,429

Kemper

$1,906

$5,429

Progressive

$1,918

$1,913

Nationwide

$1,957

$5,338

Nationwide

$1,986

$5,862

Allstate

$1,992

$10,227

Allstate

$2,014

$8,547

Nationwide

$2,025

$8,512

Nationwide

$2,034

$8,468

Progressive

$2,041

$2,021

Nationwide

$2,050

$8,000

State Farm

$2,060

$2,881

State Farm

$2,062

$2,555

State Farm

$2,089

$2,680

Travelers

$2,092

$3,680

Capital Insurance Group

$2,094

$4,023

Capital Insurance Group

$2,130

$4,100

Travelers

$2,151

$3,757

Farmers

$2,168

$1,663

Travelers

$2,169

$4,727

Nationwide

$2,171

$9,723

Nationwide

$2,175

$9,146

Farmers

$2,192

$1,682

Farmers

$2,215

$1,700

Farmers

$2,236

$1,817

Progressive

$2,255

$3,224

Progressive

$2,282

$2,275

Farmers

$2,283

$1,803

Farmers

$2,289

$1,808

State Farm

$2,289

$2,936

State Farm

$2,295

$3,217

Farmers

$2,335

$1,845

GEICO

$2,340

$6,166

Farmers

$2,358

$1,996

Progressive

$2,362

$2,339

Progressive

$2,388

$3,398

Farmers

$2,430

$3,912

Progressive

$2,430

$2,952

State Farm

$2,472

$3,247

Progressive

$2,485

$2,965

GEICO

$2,489

$5,346

Farmers

$2,511

$4,380

Farmers

$2,528

$4,189

Progressive

$2,544

$2,519

Progressive

$2,560

$2,552

Farmers

$2,649

$4,733

Travelers

$2,655

$4,638

Farmers

$2,718

$3,460

Progressive

$2,750

$4,573

Travelers

$2,767

$6,102

GEICO

$2,769

$7,295

Progressive

$2,797

$3,999

State Farm

$2,802

$3,681

State Farm

$2,818

$4,179

Farmers

$2,825

$3,726

GEICO

$2,931

$6,295

GEICO

$2,968

$9,995

Farmers

$3,013

$6,082

Progressive

$3,017

$5,047

Farmers

$3,042

$5,307

Progressive

$3,117

$4,436

Farmers

$3,198

$6,637

Farmers

$3,229

$5,770

GEICO

$3,263

$9,381

Progressive

$3,642

$7,703

Progressive

$3,988

$7,948

Progressive

$4,009

$8,538

Progressive

$4,396

$8,818

Progressive

$4,565

$9,657

Progressive

$5,039

$10,733

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.

Cheapest Car Insurance in Vancouver for Military Drivers

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.

Company
Annual Premium
Monthly Premium

USAA

$252

$21

PEMCO

$257

$21

USAA

$279

$23

PEMCO

$279

$23

Capital Insurance Group

$304

$25

USAA

$306

$26

PEMCO

$320

$27

Capital Insurance Group

$330

$28

Chubb

$363

$30

State Farm

$371

$31

State Farm

$406

$34

Chubb

$425

$35

Travelers

$427

$36

Travelers

$432

$36

GEICO

$446

$37

Capital Insurance Group

$484

$40

Travelers

$488

$41

PEMCO

$501

$42

State Farm

$507

$42

PEMCO

$539

$45

USAA

$564

$47

GEICO

$565

$47

Kemper

$570

$48

Allstate

$578

$48

USAA

$582

$48

Chubb

$589

$49

GEICO

$592

$49

Allstate

$595

$50

Farmers

$603

$50

Kemper

$625

$52

Progressive

$628

$52

Allstate

$633

$53

PEMCO

$633

$53

American Family

$641

$53

Farmers

$641

$53

Kemper

$646

$54

Capital Insurance Group

$651

$54

American Family

$660

$55

Progressive

$679

$57

American Family

$686

$57

Nationwide

$687

$57

USAA

$699

$58

Progressive

$717

$60

Farmers

$717

$60

Kemper

$721

$60

Capital Insurance Group

$728

$61

Nationwide

$737

$61

National General

$743

$62

State Farm

$764

$64

Travelers

$800

$67

Chubb

$808

$67

Travelers

$832

$69

GEICO

$834

$70

State Farm

$840

$70

National General

$900

$75

Allstate

$906

$76

Kemper

$934

$78

Chubb

$965

$80

Allstate

$968

$81

Allstate

$976

$81

American Family

$981

$82

Travelers

$989

$82

GEICO

$1,006

$84

National General

$1,012

$84

Nationwide

$1,013

$84

Nationwide

$1,015

$85

American Family

$1,016

$85

American Family

$1,043

$87

Kemper

$1,050

$88

Capital Insurance Group

$1,077

$90

State Farm

$1,092

$91

Farmers

$1,103

$92

Farmers

$1,104

$92

Progressive

$1,120

$93

Nationwide

$1,123

$94

GEICO

$1,166

$97

Progressive

$1,184

$99

National General

$1,247

$104

Chubb

$1,299

$108

Farmers

$1,304

$109

Progressive

$1,330

$111

Nationwide

$1,511

$126

National General

$1,535

$128

National General

$1,555

$130

Dairyland

$1,582

$132

Dairyland

$1,631

$136

Dairyland

$2,399

$200

Dairyland

$3,099

$258

Dairyland

$3,422

$285

Dairyland

$4,962

$413

How to Compare Cheap Vancouver Car Insurance Quotes Online

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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USAA

Best Car Insurance in Vancouver: Summary

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.

Best Overall Car Insurance in Vancouver

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.

How was this MoneyGeek score calculated?

Chubb

pros

Ranks #1 for claims management

Ranks #2 for customer satisfaction

Has unique coverage options, such as original equipment manufacturer (OEM) coverage

cons

Ranks #8 out of 13 insurers for affordability

Lacking some essential coverages like roadside assistance

COMPANY HIGHLIGHTS

Chubb offers a good blend of reliable claims management and excellent customer service, making it the best car insurance company in Vancouver, even though there are many more affordable options. Although it lacks some basic coverages, it offers unique add-on coverages that can be beneficial for various types of drivers.

Among the unique coverages available with Chubb is OEM coverage. This covers original parts (not aftermarket or third-party parts) and repair procedures to restore your vehicle to its former state and ensure that its safety systems work properly after an accident.

Chubb also offers diminished value coverage. This add-on involves stipulating the vehicle’s value when your policy is written. If your car is stolen or totaled, Chubb will write you a check for that agreed-upon amount instead of the car’s actual depreciated value. Adding this optional coverage to your policy can help you save thousands of dollars in a covered loss.

Best Car Insurance in Vancouver for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

High customer satisfaction

Efficient claims management

Offers rare add-on coverages like antique/classic car insurance

cons

Limited coverage options

COMPANY HIGHLIGHTS

According to J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index, Chubb has an outstanding reputation for customer service and claims management, making it our top pick for service. The company also offers a few rare add-on coverages but lacks some basic options.

With Chubb, you can supplement your auto policy with antique/classic car insurance to protect your high-value investment. Note that this only covers vehicles that are at least 30 years old, limited production models or part of a larger vehicle collection. They must also be garaged and only used for car shows, exhibitions, parades or car club activities.

Chubb also offers rental car and travel reimbursement coverage, which covers the cost of renting a car similar to the one you own.

Best Cheap Car Insurance in Vancouver

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.

How was this MoneyGeek score calculated?

Chubb

pros

An affordable minimum coverage policy costs $425 per year

Ranks #1 for claims management and #2 for customer satisfaction

Has discounts for bundling, insuring multiple cars and having safety equipment

cons

Lacks paperless and pay-in-full discounts

Mediocre selection of add-on coverage options

COMPANY HIGHLIGHTS

Chubb provides affordable rates and quality service for its minimum coverage policies. As our top pick for the best cheap car insurance in Vancouver, its minimum coverage is more affordable than most insurers in our comparison at approximately $425 per year. You can further save on its insurance through a handful of valuable discounts.

You can earn premium savings by bundling policies, insuring more than one vehicle or completing a defensive driving or accident prevention course. You can also get a discount for having an alarm or an active or passive disabling device, anti-lock braking systems, electronic tracking devices, daytime running lights or window glass etching.

However, Chubb doesn’t offer some common discounts typically offered by other insurers, like those for going paperless or paying your annual premium in full, which may disappoint some drivers.

Average Cost of Car Insurance in Vancouver

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.