Cheapest Auto Insurance in Vancouver, Washington (2024)

The cheapest car insurance company in Vancouver, Washington, is State Farm, with monthly rates as low as $54.

Angela Brown
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Angela Brown
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Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.

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Katie Powers
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Mark Friedlander
Reviewed byMark Friedlander
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Mark FriedlanderDirector, Corporate Communications, Triple-I
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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated July 18, 2024

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Cheapest recent rates near Vancouver, Washington

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $52/mo for full coverage in Vancouver and other Washington cities.

*Quotes generated for Insurify users in and around Vancouver, Washington within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Vancouver, Washington within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The overall average cost of car insurance in Vancouver, Washington, is $126 per month, which is on par with the state average of $126 per month. In Washington, 21.7% of drivers are uninsured, which may influence baseline rates in the area.1

You have a variety of car insurance companies to choose from in Vancouver to protect yourself, your vehicle, and your passengers. As you research your options, you should compare quotes and consider your unique insurance needs.

Quick Facts
  • State Farm, USAA, and Direct Auto have the cheapest car insurance in Vancouver.

  • Drivers in Vancouver pay an average of $177 per month for full-coverage car insurance and $75 per month for liability coverage.

  • Washington drivers can face a fine of $550 or more, driver's license suspension, and suspension of their vehicle's registration, if they drive without insurance.[1]

3 of the cheapest car insurance companies in Vancouver

When you’re shopping for the cheapest car insurance rates, it’s essential to make sure you know what type of coverage you need and how much you can afford. You should also make a note of any unique circumstances that could affect the cost of your car insurance policy, like having past speeding tickets or poor credit.

The best company for you to work with will vary based on your unique situation, which is why you should consider rates from multiple insurers.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Travelers9.0$242$112Cheap rates
GEICO9.0$144$67Teen drivers
USAA9.4$120$55Veterans
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Travelers

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User Reviews
3.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$112/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$242/mo

In business for more than 160 years, Travelers offers many insurance products, including car, home, renters, condo, landlord, travel, and pet insurance. The company has car insurance add-ons, like loan/lease gap insurance and roadside assistance, and offers more than a dozen discounts for customers. Travelers earned an A++ (Superior) financial strength rating from AM Best, the highest level possible.

Pros
  • Accident forgiveness program

  • Plenty of coverage options and discounts

Cons
  • Rideshare coverage not offered in Washington

  • More than twice the number of complaints expected for an insurer of its size, according to the National Association of Insurance Commissioners.

Read more driver reviews of Travelers
Laura - July 15, 2024
Verified

Travelers Rocks

They are very helpful and no one has been able to match what I pay. I'm an excellent driver with a perfect driving record and only drive less than 5000 miles a year. I love the discounts they offer me. I've had no bad experiences with them.

Drake - July 15, 2024
Verified

Average

Too expensive.

Douglas - July 15, 2024
Verified

Other Than Price, A Good Company

It's very, very, very expensive. Almost double most other companies.

Best insurer for teen drivers: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$67/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$144/mo

Once a company that only offered coverage to federal employees and military members, GEICO is now the third-largest auto insurance company in the U.S., based on market share, and one of the most recognizable names in the auto insurance industry. GEICO provides various insurance products, including homeowners, renters, auto, business, and flood insurance. Teenagers and other young drivers can qualify for good student, good driver, and organization discounts from GEICO.

Pros
  • Affordable rates for teens and seniors

  • Offers accident forgiveness

Cons
  • Higher rates for drivers with a violation

  • Doesn’t cover rideshare vehicles

Read more driver reviews of GEICO
Joanne - July 18, 2024
Verified

Poor

Geico's rates are way too high.

Lenroy - July 18, 2024
Verified

Thanks

It's a good insurance company, but I'm glad there are other options. Everyone is looking to save money these days.

James - July 18, 2024
Verified

A Little Too Expensive

So-so.

Best insurer for military members: USAA

Compare personalized, real-time quotes
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$120/mo

USAA provides insurance and banking products exclusively to former and current members of the armed forces and their immediate family members. The company offers a range of products, including home and auto policies, investment services, and retirement services. USAA earned an A++ (Superior) financial strength rating from AM Best.

Pros
  • Low premiums

  • Drivers can earn a discount of up to 30% with the SafePilot telematics program

Cons
  • Only available to active-duty military, veterans, and immediate family members

  • No 24/7 live customer service

Read more driver reviews of USAA
Ronald - July 17, 2024
Verified

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

Connie - July 17, 2024
Verified

Great Company, Great Employees

I would highly recommend USAA to any of my friends. The employees are always courteous and have answers to any questions you may have.

John - July 16, 2024
Verified

Good

Invest more in customer service and less in advertising.

How to get the cheapest car insurance in Vancouver

Though you can’t control everything when it comes to finding the lowest car insurance rate, you can take a few steps to make earning cheaper rates easier:

  • Consider bundling your home and auto policies. Many insurance companies offer discounts when customers bundle policies for their cars and homes. You typically can also bundle policies for recreational vehicles or motor homes.

  • Check for discounts through local organizations. Check with the AARP or other local organizations to see if they work with any insurance companies that provide discounts. Older drivers may even qualify for age-based driving discounts.

  • Participate in discount programs for students. Look for discounts through a good driving program or good student program that requires students to maintain a B or higher average. Young drivers are often the most expensive to insure, so finding discounts can help with costs.

  • Compare auto insurance rates from multiple companies. One of the best ways to secure cheap car insurance in Vancouver is to compare quotes and coverage options between at least three different insurance companies. Comparing quotes gives you a better picture of what to expect.

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Cheapest liability-only car insurance in Vancouver: State Farm

Liability insurance provides the state’s minimum coverage at an affordable rate. This coverage pays for the property damage and bodily injury you cause another driver and their passengers in an accident. Liability insurance doesn’t cover vehicle damages or medical expenses for you and your passengers.

Motor vehicle owners who can pay out of pocket to replace or repair their car or cover medical costs after an accident may want to consider liability-only coverage to save money. This coverage makes the most sense for drivers of old or low-value vehicles.

The average cost of liability insurance in this city located just north of the Washington/Oregon border, is $75 per month. Here are some of the cheapest insurers for liability coverage in Vancouver.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$54
USAA$55
Direct Auto$56
GEICO$67
Allstate$72
Safeco$74
National General$79
American Family$82
Nationwide$84
Chubb$91
The General$91
Farmers$96
Travelers$112
Foremost$118
Dairyland$122
Bristol West$133
Liberty Mutual$147
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Vancouver: Direct Auto

Full-coverage policies offer more protection for drivers than liability-only auto insurance. In addition to paying expenses for the other party in an at-fault accident, full-coverage insurance also provides financial protection for your car and passengers. These policies typically cost more.

You should consider full-coverage insurance if you know you can’t replace your vehicle out of pocket. If you lease or finance your vehicle, your auto lender or dealer may even require you to purchase this coverage.

The average cost of full-coverage insurance in the city is $177 per month. Here are some of the cheapest full-coverage car insurance quotes for drivers in Vancouver.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Direct Auto$75
Safeco$114
National General$116
State Farm$118
USAA$120
Midvale Home & Auto$140
GEICO$144
Allstate$156
Liberty Mutual$159
The General$162
American Family$177
Nationwide$183
Chubb$197
Farmers$207
Travelers$242
Dairyland$271
Bristol West$287
Foremost$325
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Vancouver, Washington

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $52/mo for full coverage in Vancouver and other Washington cities.

*Quotes generated for Insurify users in and around Vancouver, Washington within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Vancouver, Washington within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Washington

Washington is an at-fault state. This means that car insurance companies will determine which driver caused an accident. The at-fault driver (or their insurance company) must then pay to cover the property damage and medical expenses of the other driver.

Drivers in Washington must carry a minimum amount of liability insurance or proof of financial responsibility to operate a car, truck, or motorcycle in the state. If you drive without insurance, you risk license suspension and a fine of up to $550. Drivers older than 25 can qualify for self-insurance by completing an application and a minimum deposit of $60,000.

Find the specific car insurance requirements in Washington below:[1]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$10,000 per accident

If you want more financial protection, consider adding one or more of the following coverages to your car insurance policy:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured and underinsured motorist coverage protects you if you have an accident with a driver who has insufficient or no insurance to cover your damages and medical expenses. It also covers hit-and-run accidents. State law requires insurance companies to offer this coverage to all Washington drivers, but you can opt out of buying the coverage by signing a waiver.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Personal injury protection (PIP) coverage

    Though not required in Washington, auto insurers in the state must offer policyholders at least $10,000 of (PIP) coverage. This coverage pays for medical expenses for you and your passengers after an accident. As with uninsured/underinsured motorist coverage, you can opt out of PIP by signing a waiver.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Following a collision with a car or other object, collision coverage pays for your vehicle damages. It can also cover damages from potholes and rollover accidents.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    For damage from non-collision incidents — like fire, severe weather, theft, and vandalism — comprehensive coverage kicks in.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance pays the difference between what you owe on your loan or lease and what your insurance company will pay if you total your car.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Specifics vary by company, but roadside assistance typically offers service for flat tires, broken-down cars, jump-starts, gas delivery, and more.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    If your car is in the shop following an accident or other incident, rental reimbursement can cover the costs of a rental, up to the limits of your policy, until your vehicle is ready. Typically, most insurers won't pay for more than 30 days, even if it takes several months to repair your vehicle.

Drivers with a poor record can qualify for coverage from AIPSO

Washington requires all drivers to maintain a minimum amount of liability insurance to operate a vehicle. Drivers whose spotty driving history has made it difficult to find insurance may qualify for the Washington Automobile Insurance Plan through the Automobile Insurance Plan Service Office (AIPSO).

This group provides insurance to drivers who can’t find coverage elsewhere. If you have certain violations on your record, you may need to file an SR-22 with the state to prove you have insurance.

Cheapest car insurance for drivers with an incident

Drivers with clean records typically earn the cheapest car insurance rates. Having one or more incidents on your record — including an at-fault accident, speeding ticket, or DUI — typically results in higher insurance premiums for several years. Auto insurers view past incidents as risk factors.

How much these incidents affect your car insurance premium will depend on several things, including the frequency and severity of the incidents, as well as how long ago the incidents occurred.[2]

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding tickets may affect your auto insurance rate, particularly if you have convictions for excessive speeding, your speeding resulted in an accident, or you have multiple violations. Washington doesn’t use a point system for traffic violations, but the state does keep a record of incidents.

Insurance companies can view a three- to five-year history of your convictions, violations, collisions, and failure-to-appear charges on your driving record when determining premiums. You may face more expensive car insurance rates if you’ve had one or more speeding violations in the past three years.

If you’re a resident of Vancouver and you’ve been pulled over for speeding, your liability-only insurance could cost $110 per month, on average. Here are the cheapest insurance options for drivers in Vancouver with a speeding ticket and how they compare to rates for drivers with a clean record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$54$71
USAA$55$72
Direct Auto$56$74
GEICO$67$88
Allstate$72$95
Safeco$74$99
National General$79$104
American Family$82$108
Nationwide$84$112
Chubb$91$122
The General$91$121
Farmers$96$126
Travelers$112$149
Foremost$118$170
Dairyland$122$161
Bristol West$133$174
Liberty Mutual$147$212
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Drivers with an at-fault accident typically face higher rates for several years because insurance companies view drivers with claims on their records as higher-risk. Washington is an at-fault state, which means drivers found at fault in an accident are responsible for covering damages and medical costs. At-fault collisions stay on your driving record for five years following an accident.[3]

If you purchase accident forgiveness coverage when you buy your policy, you can avoid a rate increase after your first at-fault accident.

Vancouver drivers pay an average of $114 per month for liability-only insurance with an at-fault accident on their records. Find the lowest monthly quotes for drivers with an at-fault accident below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$54$74
USAA$55$76
Direct Auto$56$79
GEICO$67$93
Allstate$72$99
Safeco$74$99
National General$79$110
American Family$82$113
Nationwide$84$117
Chubb$91$127
The General$91$128
Farmers$96$132
Travelers$112$156
Foremost$118$177
Dairyland$122$168
Bristol West$133$182
Liberty Mutual$147$221
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Washington drivers with a DUI on their record may have a harder time finding cheap car insurance rates. Drivers convicted of a DUI must file an SR-22 certificate of financial responsibility with the state. Some insurance companies may refuse to provide coverage to high-risk drivers, and the companies that offer insurance for drivers with a DUI on their record typically charge higher rates to offset their risk.

In addition to higher insurance rates, drivers could face up to four years of license suspension following a DUI conviction. Alcohol-related convictions stay on your driving record for life in Washington.

Vancouver drivers with a DUI pay an average of $129 per month for a liability-only policy. Find the cheapest monthly quotes for drivers with a past DUI below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$54$92
USAA$55$94
Direct Auto$56$95
GEICO$67$114
Allstate$72$122
Safeco$74$126
National General$79$134
American Family$82$139
Nationwide$84$143
Chubb$91$155
The General$91$155
Farmers$96$163
Travelers$112$190
Foremost$118$201
Dairyland$122$207
Bristol West$133$226
Liberty Mutual$147$250
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Your age can affect how much you pay for car insurance. Rates typically decrease steadily for drivers between ages 25 and 70. Senior drivers may face different rates depending on their age. Drivers older than 55 may qualify for cheaper rates or discounts because they tend to exercise more caution on the road, according to the Insurance Information Institute.[4]

Drivers older than 70 see slightly higher insurance rates due to an elevated risk of getting into an accident or being seriously injured in an accident.

A liability-only policy in Vancouver costs $53 per month for senior drivers. Here are some of the best options for senior drivers in Vancouver.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
National General$83$57
State Farm$84$39
Safeco$86$56
USAA$88$40
GEICO$106$49
Allstate$116$53
Liberty Mutual$118$109
The General$122$69
Nationwide$126$58
American Family$127$59
Chubb$133$61
Farmers$149$69
Travelers$175$81
Dairyland$200$90
Bristol West$212$98
Foremost$234$85
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers pay higher rates than nearly all other customers because they’re at the highest risk for accidents. Teen drivers between ages 16 and 19 are three times as likely to experience a fatal car accident as drivers 20 and older.[5] Newly licensed young drivers should use extra caution when driving with friends.

Teens can earn lower rates by participating in a good student discount program with their insurance company, requesting a student-away-at-school discount if they're attending college away from home, and by taking a safe driving course. Additionally, teen drivers (even those away at school) should consider staying on their parents’ policies to get the most affordable rates. It's illegal for drivers younger than 18 to buy their own policy, unless they have written consent from a parent or guardian.

Teen drivers in Vancouver pay a monthly average of $132 for minimum coverage. Here are the cheapest average quotes for teen drivers in Vancouver.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA$198$91
State Farm$199$91
National General$222$151
GEICO$225$105
Safeco$234$152
The General$259$146
Allstate$271$125
Liberty Mutual$290$268
American Family$307$142
Nationwide$311$143
Farmers$361$167
Chubb$362$167
Travelers$432$200
Dairyland$448$202
Bristol West$484$224
Foremost$572$208
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Vancouver car insurance quotes by credit tier

Washington law allows insurance companies to use your credit history when determining rates. In July 2022, a Washington judge blocked an emergency order from the state's insurance commissioner that temporarily banned insures from using credit information to rate policies.[6]

Your credit history can affect the cost of your insurance policy. Insurance companies consider drivers with poor credit to be a higher risk than drivers with excellent or good credit. Good to excellent credit will likely qualify you for lower rates.

Here are the average full-coverage insurance quotes for Vancouver drivers by credit tier:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Vancouver?

The average American driver spends an average of $105 per month for liability insurance and $214 per month for a full-coverage insurance policy, according to Insurify’s Mid-Year Auto Insurance Trends Report. Vancouver drivers pay $75 per month for liability coverage and $177 for full-coverage insurance.

Rates within the state may vary based on ZIP code, population density, vehicle crime rates, and accident rates.

More cities in Washington

Vancouver drivers pay $177 per month for full-coverage car insurance. You can see how quotes in other Washington cities compare to the average in Vancouver below.

CityFull CoverageLiability Only
Federal Way$270$121
Kennewick$141$65
Seattle$241$103
Spokane$125$74
Tacoma$217$100
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Vancouver, Washington, car insurance FAQs

Before you start shopping around for cheap rates, you should decide how much coverage you need. The information below should help answer any remaining questions about buying cheap auto insurance in Vancouver, Washington.

  • How much is car insurance in Vancouver, WA?

    Vancouver drivers pay $126 per month for car insurance, on average. Liability-only coverage costs $75 per month, and full-coverage insurance is $177.

  • Which companies have the cheapest car insurance in Vancouver?

    State Farm, USAA, and Direct Auto have the cheapest car insurance in Vancouver. Their monthly liability rates start at $54, $55, and $56, respectively.

    But your specific premium depends on your driving record, credit history, insurer, chosen coverage, and more.

  • What are the best car insurance companies in Vancouver?

    With some of the cheapest average rates in Vancouver, an A++ (Superior) financial strength rating from AM Best, and an Insurify Quality (IQ) Score of 9.0 out of 5, Travelers is the best car insurance company in Vancouver. Other top insurers include GEICO and USAA.

  • Is car insurance mandatory in Vancouver, Washington?

    Yes. In most cases, Washington drivers need to carry a minimum of liability insurance or provide proof of financial responsibility. Drivers older than 25 can instead qualify for self-insurance by completing an application and buying a liability bond of $60,000 with the state.

  • How much car insurance is required in Washington?

    Drivers in Washington must maintain the following amounts of minimum coverage: $25,000 per person and $50,000 per accident in bodily injury liability and $10,000 per accident in property damage liability.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Washington State Department of Licensing. "Mandatory insurance."
  2. III. "What determines the price of an auto insurance policy?."
  3. Washington State Department of Licensing. "Guide to driving records."
  4. III. "Auto insurance basics—understanding your coverage."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  6. Washington state Office of the Insurance Commissioner. "Credit scores and insurance."
Angela Brown
Angela Brown

Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
create easy-to-understand content that helps consumers understand tough topics better. When
she’s not working, she enjoys spending time with her family and planning vacations.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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