Cheapest and Best Car Insurance Companies in Vancouver, WA


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Updated: May 20, 2024

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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.

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2024

Cheapest and Best Car Insurance in Vancouver, WA

Why Trust MoneyGeek? Vancouver car insurance rates and other information were collected from the Washington Office of the Insurance Commissioner and Quadrant Information Services. We used our proprietary scoring system to rank companies in our analysis.

352,910Quotes Analyzed
 
18Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
PEMCOAnnual Premium$257Monthly Premium$21
Capital Insurance GroupAnnual Premium$330Monthly Premium$28
State FarmAnnual Premium$406Monthly Premium$34
ChubbAnnual Premium$425Monthly Premium$35
TravelersAnnual Premium$427Monthly Premium$36
GEICOAnnual Premium$446Monthly Premium$37
AllstateAnnual Premium$578Monthly Premium$48
FarmersAnnual Premium$603Monthly Premium$50

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
PEMCOAnnual Premium$501Monthly Premium$42
KemperAnnual Premium$721Monthly Premium$60
Capital Insurance GroupAnnual Premium$728Monthly Premium$61
TravelersAnnual Premium$832Monthly Premium$69
GEICOAnnual Premium$834Monthly Premium$70
State FarmAnnual Premium$840Monthly Premium$70
AllstateAnnual Premium$906Monthly Premium$76
ChubbAnnual Premium$965Monthly Premium$80

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
PEMCOAnnual Premium$626Monthly Premium$52
KemperAnnual Premium$913Monthly Premium$76
State FarmAnnual Premium$927Monthly Premium$77
Capital Insurance GroupAnnual Premium$999Monthly Premium$83
AllstateAnnual Premium$1,005Monthly Premium$84
ChubbAnnual Premium$1,071Monthly Premium$89
TravelersAnnual Premium$1,163Monthly Premium$97
American FamilyAnnual Premium$1,170Monthly Premium$97

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
KemperFamily Plan Annual Premium$1,611Individual Plan Monthly Premium$4,678
AllstateFamily Plan Annual Premium$1,895Individual Plan Monthly Premium$9,970
NationwideFamily Plan Annual Premium$2,034Individual Plan Monthly Premium$8,468
Capital Insurance GroupFamily Plan Annual Premium$2,130Individual Plan Monthly Premium$4,100
TravelersFamily Plan Annual Premium$2,169Individual Plan Monthly Premium$4,727
State FarmFamily Plan Annual Premium$2,295Individual Plan Monthly Premium$3,217
GEICOFamily Plan Annual Premium$2,968Individual Plan Monthly Premium$9,995
FarmersFamily Plan Annual Premium$3,013Individual Plan Monthly Premium$6,082

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
PEMCOAnnual Premium$501Monthly Premium$42
USAAAnnual Premium$564Monthly Premium$47
KemperAnnual Premium$721Monthly Premium$60
Capital Insurance GroupAnnual Premium$728Monthly Premium$61
TravelersAnnual Premium$832Monthly Premium$69
GEICOAnnual Premium$834Monthly Premium$70
State FarmAnnual Premium$840Monthly Premium$70
AllstateAnnual Premium$906Monthly Premium$76

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.

Car Insurance Calculator

MoneyGeeks'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:

Jul 15, 2024

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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

checkmark

Ranks #1 for claims management

checkmark

Ranks #2 for customer satisfaction

checkmark

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

cons

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Ranks #8 out of 13 insurers for affordability

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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

checkmark

High customer satisfaction

checkmark

Efficient claims management

checkmark

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

cons

close

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

checkmark

An affordable minimum coverage policy costs $425 per year

checkmark

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

checkmark

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

cons

close

Lacks paperless and pay-in-full discounts

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.