Best car insurance in Vancouver, WA (2024)

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Ed ZuccarelliFreelance contributorEd Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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The average annual cost of car insurance in Vancouver is $1,896, which is $166 more expensive per year than the average in Washington. But drivers in Vancouver can save money on car insurance by shopping around before picking a policy.

Ready to shop car insurance?

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

  • PEMCO offers the lowest rates in Vancouver at an average of $938 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.

Methodology & why you can trust our rates

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.

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

PEMCO Insurance

$78/month

--

USAA

$88/month

890

State Farm

$100/month

882

GEICO

$126/month

874

Nationwide

$131/month

868

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

98664

$1,868

98684

$1,891

98663

$1,896

98683

$1,898

98660

$1,901

98682

$1,904

98661

$1,916

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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

PEMCO Insurance

USAA

State Farm

GEICO

Nationwide

At-fault accident

$1,176

$1,530

$1,474

$2,405

$2,860

Suspended license

$1,274

$2,178

$1,352

$2,690

$3,638

Open container

$1,274

$1,633

$1,352

$2,386

$2,485

Expired registration

$1,086

$1,304

$1,352

$1,980

$2,485

Driving without lights

$1,086

$1,107

$1,352

$1,980

$3,638

Running a red light

$1,086

$1,304

$1,352

$1,980

$2,485

Following too closely

$1,274

$1,304

$1,352

$1,980

$2,485

Hit and run

$1,361

$2,399

$1,352

$2,386

$3,638

Not-at-fault accident

$932

$1,107

$1,230

$1,331

$1,623

Passing a school bus

$1,274

$1,633

$1,352

$1,980

$2,485

Reckless driving

$1,274

$1,454

$1,352

$2,386

$3,638

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Cheapest car insurance for drivers with a DUI in Vancouver, WA

Company

Rates for drivers with DUIs

State Farm

$1,352

PEMCO Insurance

$1,361

USAA

$2,312

GEICO

$2,386

Nationwide

$3,638

Cheapest car insurance for drivers with a speeding ticket in Vancouver, WA

Company

Rates for drivers with speeding tickets

PEMCO Insurance

$1,086

USAA

$1,304

State Farm

$1,352

GEICO

$2,386

Nationwide

$2,485

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.

Ready to shop car insurance?

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

How much is car insurance per month in Washington?

The average cost of car insurance in Washington is $144 per month, or $1,730 per year.

How often should I update my coverage in WA?

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.

What car insurance do I need in Washington state?

The minimum coverage requirements in Washington State are 25/50/10. This breaks down into bodily injury liability coverage of $25,000 per person and $50,000 per accident with property damage liability coverage of $10,000.

Authors

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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