Cheapest Auto Insurance in Vancouver, Washington (2024)
The cheapest car insurance company in Vancouver, Washington, is Direct Auto, with monthly rates as low as $45.
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Written byAngela Brown
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17+ years in insurance and personal finance writing
In-depth knowledge of home and real estate topics
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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Edited byKatie Powers
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Reviewed byMark Friedlander
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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.
Updated November 21, 2024
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Table of contents
The overall average cost of car insurance in Vancouver, Washington, is $108 per month, which is on par with the state average of $114 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
Direct Auto, State Farm, and USAA have the cheapest car insurance in Vancouver.
Drivers in Vancouver pay an average of $143 per month for full-coverage car insurance and $73 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 Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Travelers | 9.0 | $244 | $107 | Cheap rates |
| GEICO | 9.0 | $146 | $64 | Teen drivers |
| USAA | 9.4 | $121 | $53 | Veterans |
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
| User Reviews | 4.7 |
|---|---|
| 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. | 9.0 /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. | $101/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. | $231/mo |
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Best insurer for teen drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | $61/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. | $138/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | $50/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. | $115/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
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: Direct Auto
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 $73 per month. Here are some of the cheapest insurers for liability coverage in Vancouver.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Direct Auto | $45 |
| State Farm | $49 |
| USAA | $50 |
| GEICO | $61 |
| Allstate | $65 |
| American Family | $74 |
| Safeco | $75 |
| Nationwide | $77 |
| National General | $79 |
| Chubb | $82 |
| Farmers | $87 |
| The General | $91 |
| Travelers | $101 |
| Foremost | $112 |
| Dairyland | $116 |
| Bristol West | $120 |
| Liberty Mutual | $148 |
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 $143 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Direct Auto | $73 |
| State Farm | $113 |
| USAA | $115 |
| Safeco | $118 |
| GEICO | $138 |
| National General | $139 |
| Allstate | $149 |
| Liberty Mutual | $150 |
| The General | $165 |
| American Family | $170 |
| Nationwide | $174 |
| Chubb | $189 |
| Farmers | $198 |
| Travelers | $231 |
| Dairyland | $261 |
| Bristol West | $275 |
| Foremost | $308 |
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
Recent Vancouver, Washington car insurance prices for KIA, Volkswagen, Ford , and more.
*Quotes generated for Insurify users in and around Vancouver, Washington within the last 10 days. Last updated on November 21, 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 November 21, 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 November 21, 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 November 21, 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]
Coverage ▲▼ | Minimum 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:
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.
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.
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.
Comprehensive coverage
For damage from non-collision incidents — like fire, severe weather, theft, and vandalism — comprehensive coverage kicks in.
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.
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.
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: Direct Auto
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 $109 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Direct Auto | $45 | $61 |
| State Farm | $49 | $65 |
| USAA | $50 | $67 |
| GEICO | $61 | $82 |
| Allstate | $65 | $87 |
| American Family | $74 | $100 |
| Safeco | $75 | $102 |
| Nationwide | $77 | $105 |
| National General | $79 | $107 |
| Chubb | $82 | $112 |
| Farmers | $87 | $116 |
| The General | $91 | $125 |
| Travelers | $101 | $137 |
| Foremost | $112 | $162 |
| Dairyland | $116 | $156 |
| Bristol West | $120 | $162 |
| Liberty Mutual | $148 | $214 |
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: Direct Auto
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 $112 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Direct Auto | $45 | $64 |
| State Farm | $49 | $68 |
| USAA | $50 | $70 |
| GEICO | $61 | $86 |
| Allstate | $65 | $91 |
| American Family | $74 | $104 |
| Safeco | $75 | $104 |
| Nationwide | $77 | $109 |
| National General | $79 | $111 |
| Chubb | $82 | $116 |
| Farmers | $87 | $122 |
| The General | $91 | $130 |
| Travelers | $101 | $143 |
| Foremost | $112 | $167 |
| Dairyland | $116 | $161 |
| Bristol West | $120 | $168 |
| Liberty Mutual | $148 | $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: Direct Auto
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 $127 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Direct Auto | $45 | $76 |
| State Farm | $49 | $83 |
| USAA | $50 | $85 |
| GEICO | $61 | $103 |
| Allstate | $65 | $110 |
| American Family | $74 | $125 |
| Safeco | $75 | $118 |
| Nationwide | $77 | $130 |
| National General | $79 | $134 |
| Chubb | $82 | $139 |
| Farmers | $87 | $147 |
| The General | $91 | $154 |
| Travelers | $101 | $171 |
| Foremost | $112 | $189 |
| Dairyland | $116 | $196 |
| Bristol West | $120 | $203 |
| Liberty Mutual | $148 | $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: Direct Auto
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 $52 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $81 | $35 |
| USAA | $85 | $37 |
| Safeco | $94 | $60 |
| National General | $98 | $56 |
| GEICO | $102 | $45 |
| Allstate | $111 | $48 |
| Liberty Mutual | $117 | $115 |
| Nationwide | $120 | $53 |
| American Family | $123 | $54 |
| The General | $124 | $68 |
| Chubb | $127 | $55 |
| Farmers | $143 | $63 |
| Travelers | $167 | $73 |
| Dairyland | $193 | $86 |
| Bristol West | $204 | $89 |
| Foremost | $228 | $83 |
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: Direct Auto
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 $135 for minimum coverage. Here are the cheapest average quotes for teen drivers in Vancouver.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $201 | $88 |
| State Farm | $203 | $88 |
| GEICO | $231 | $102 |
| Safeco | $236 | $150 |
| Liberty Mutual | $269 | $265 |
| The General | $274 | $151 |
| Allstate | $277 | $121 |
| National General | $284 | $161 |
| American Family | $306 | $133 |
| Nationwide | $317 | $140 |
| Farmers | $361 | $159 |
| Chubb | $376 | $163 |
| Travelers | $435 | $190 |
| Dairyland | $440 | $196 |
| Bristol West | $484 | $211 |
| Foremost | $570 | $207 |
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 $104 per month for liability insurance and $204 per month for a full-coverage insurance policy, according to Insurify’s Mid-Year Auto Insurance Trends Report. Vancouver drivers pay $73 per month for liability coverage and $143 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 $143 per month for full-coverage car insurance. You can see how quotes in other Washington cities compare to the average in Vancouver below.
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 $108 per month for car insurance, on average. Liability-only coverage costs $73 per month, and full-coverage insurance is $143.
Which companies have the cheapest car insurance in Vancouver?
Direct Auto, State Farm, and USAA have the cheapest car insurance in Vancouver. Their monthly liability rates start at $45, $49, and $50, 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
- 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.
Related articles
More cities in Washington
Sources
- Washington State Department of Licensing. "Mandatory insurance."
- III. "What determines the price of an auto insurance policy?."
- Washington State Department of Licensing. "Guide to driving records."
- III. "Auto insurance basics—understanding your coverage."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Washington state Office of the Insurance Commissioner. "Credit scores and insurance."
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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
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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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