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.
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.
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 |
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 |
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.
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.
