The best car insurance in Vancouver, WA

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The average cost of car insurance in Vancouver is $1,810, slightly higher than the Washington state average of $1,651. But drivers in Vancouver can save money on car insurance by shopping around before picking a policy.

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Policygenius makes it easy to compare rates from top car insurance companies so you can choose the coverage that’s best for you at a price you feel good about.

Key Takeaways

  • USAA offers the lowest rates in Vancouver at an average of $1,060 a year.

  • 98664 is the Vancouver ZIP code with the lowest average car insurance rates.

  • Washington requires all drivers to have $25,000 per person/$50,000 per accident in bodily injury liability and $10,000 in property damage liability.

Cheapest car insurance companies in Vancouver, WA

Your age, driving record, and the type of car you drive can all affect what you’ll pay for car insurance. But the company you choose will also affect what you’ll pay, which is why it’s so important to shop around and compare rates before picking a policy.

Company

Average cost

JD Power Rating

USAA

$1,060

890

PEMCO Insurance

$1,177

--

State Farm

$1,274

881

Nationwide

$1,355

876

Progressive

$1,407

856

Cheapest car insurance rates by ZIP code in Vancouver, WA

Rates can vary from one neighborhood to the next based on local factors like the number of accidents and claims, rates of car theft and vandalism, and even the average cost of car repairs.

ZIP code

Average cost

98660

$1,817

98661

$1,828

98663

$1,811

98664

$1,783

98682

$1,816

98683

$1,811

98684

$1,805

Choosing the right car insurance company in Vancouver, WA

There’s no one right company for every driver, so the only way to find the right car insurance company for you is to shop around and compare rates. Look for a company that offers you the best coverage at affordable rates.

Policygenius can help you see what you’ll pay for coverage from top car insurance companies, so you can feel confident you’re making the right choice.

Car insurance rates for drivers with driving violations in Vancouver, WA

Any accidents or violations on your driving history will mean higher car insurance rates, but some violations will lead to bigger increases than others.

Violation

USAA

PEMCO Insurance

State Farm

Nationwide

Progressive

At-fault accident

$1,530

$1,485

$1,559

$2,360

$2,335

DUI

$2,312

$1,725

$1,429

$2,984

$1,591

Suspended license

$2,178

$1,611

$1,429

$2,984

$2,143

Open container

$1,633

$1,611

$1,429

$1,853

$1,591

Expired registration

$1,304

$1,173

$1,429

$1,853

$2,559

Driving without lights

$1,107

$1,370

$1,429

$2,984

$2,559

Not showing documents

$1,107

$1,370

$1,429

$1,853

$2,559

Running a red light

$1,304

$1,370

$1,429

$1,853

$2,559

Cheapest car insurance for drivers with bad credit in Vancouver, WA

Washington recently changed rules around car insurance companies and credit scores, so going forward, drivers with lower scores will no longer automatically pay more for car insurance.

However these changes may not already affect every driver, so some Vancouver drivers with bad credit may still be paying more for coverage.

Company

Rates for drivers with bad credit

USAA

$1,107

State Farm

$1,299

Progressive

$1,348

Travelers

$1,624

GEICO

$1,626

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Buying car insurance in Vancouver, WA

Washington requires all drivers to meet minimum coverage levels, although most drivers will need more than just the state minimums in order to be protected in case of an accident.

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $10,000

How to get cheap car insurance in Vancouver, WA

  • Shop around: Compare options from multiple companies before choosing a car insurance policy.

  • Know your discounts: You can save for things like paying your annual premium in full, being a good student, or switching to paperless.

  • Bundle coverage: Get more than one policy, like home and auto insurance, from the same company and save on both.

  • Reshop yearly: Shop around again before your policy renews each year to make sure you’re not missing out on a better deal.

Frequently asked questions

What is Collision and Comprehensive coverage and do I need it?

Collision coverage pays for damage to your vehicle if you are at fault in an accident, or if no one else was involved, like if you backed into a pole. Comprehensive coverage pays for non-accident-related damage like from storms, floods, fire, vandalism, or animals.

How often should I update my coverage?

It’s a good idea to check your coverage options before you renew your policy, since your coverage needs may have changed since you bought your car insurance. You should also shop around with other companies to make sure you’re not missing out on a deal somewhere else.

I’m turning 25 soon, will my rates change?

Young drivers should see lower rates when they turn 25, but that depends on driving record and when you got your license. It’s not an automatic price-drop, even though you are no longer considered part of a high-risk age group by 25.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.