The average monthly cost of full coverage car insurance in Vancouver is $113. Costs go up to $329, depending on the driver's profile and vehicle type. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Vancouver, WA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Vancouver: Key Takeaways
PEMCO and CIG are Vancouver's most affordable options for car insurance across various driver profiles.
PEMCO provides the cheapest car insurance, with minimum coverage starting at $17 per month and full coverage starting at $51.
Car insurance costs about $59 monthly for minimum coverage and $113 for full coverage.
Car Insurance Quotes in Vancouver, WA
| Young Drivers | $77 | $151 |
| Teens | No Data | $329 |
| Seniors | $62 | $114 |
| Drivers With an Accident | $85 | $163 |
| Drivers With a Speeding Ticket | $74 | $144 |
| Drivers With a DUI | $87 | $175 |
| Bad Credit | $62 | $119 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Vancouver vs. State Average
Washington
State Average Full Coverage Rate
$1,422
Vancouver, WA
City Average Full Coverage Rate
$1,362Vancouver Car Insurance is Cheap:$60 saved
This is 4% less expensive.
What Is the Average Car Insurance Rate in Vancouver?
Vancouver's average annual cost of full coverage car insurance is $1,362, and minimum coverage is $703. These rates are lower than Washington's averages of $1,422 and $733, respectively.
| State Average | $733 | $1,422 |
| Vancouver Average | $703 | $1,362 |
Cheapest Car Insurance Companies in Vancouver
Even with rising premiums in Washington, you can find affordable car insurance in Vancouver. PEMCO offers the cheapest minimum coverage at $17 per month and full coverage at $51.
WHY CAR INSURANCE IN VANCOUVER IS CHEAPER
Car insurance in Vancouver is generally affordable due to its suburban setting, moderate traffic and low crime rates, including vehicle theft. The city's mild weather minimizes natural disaster risks, while Washington's competitive insurance market further lowers premiums. Also, Vancouver's repair and living costs are cheaper than those of nearby Portland, making insurance more budget-friendly.
Cheap Car Insurance in Vancouver
PEMCO often offers the cheapest car insurance in Vancouver, but rates vary by driver. To find the best deal, get quotes from multiple providers. Below is a table showing the lowest rates for different driver profiles.
| PEMCO | Minimum Coverage | $17 |
| PEMCO | Full Coverage | $51 |
| CIG | Teens | $183 |
| PEMCO | Young Adults | $43 |
| PEMCO | Seniors | $37 |
| PEMCO | Bad Credit | $34 |
| PEMCO | Drivers With a DUI | $56 |
| PEMCO | Drivers With an Accident | $47 |
| PEMCO | Drivers With a Speeding Ticket | $42 |
Car Insurance Rates in Vancouver by Company
Comparing rates can help you find the best deal. Below are the most affordable options for Vancouver's minimum and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Vancouver
PEMCO offers the cheapest minimum coverage auto insurance in Vancouver at $17 per month, followed by State Farm at $34. The table below breaks down the affordable options.
| PEMCO | $17 | $42 |
| State Farm | $34 | $25 |
| Auto-Owners | $40 | $19 |
| Progressive | $41 | $17 |
| Chubb | $43 | $16 |
| Travelers | $45 | $14 |
| Nationwide | $51 | $8 |
| American Family | $54 | $4 |
| Farmers | $56 | $3 |
| GEICO | $57 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Vancouver
PEMCO offers the cheapest full coverage car insurance in Vancouver at $51 per month. Below is the full list of providers and their rates.
| PEMCO | $51 | $62 |
| Kemper | $69 | $45 |
| Progressive | $70 | $44 |
| State Farm | $73 | $40 |
| American Family | $84 | $30 |
| Travelers | $89 | $25 |
| Nationwide | $95 | $18 |
| Farmers | $97 | $16 |
| Allstate | $100 | $13 |
| Auto-Owners | $100 | $13 |
| Chubb | $103 | $11 |
| GEICO | $108 | $5 |
Car Insurance Companies in Vancouver
PEMCO offers the cheapest car insurance in Vancouver at $409 and is the best cheap provider, with a MoneyGeek score of 90 out of 100. Check out the table below for more options.
| PEMCO | 90 | $409 |
| Chubb | 89 | $874 |
| American Family | 78 | $827 |
| Auto-Owners | 77 | $841 |
| State Farm | 71 | $643 |
| Nationwide | 66 | $874 |
| Travelers | 65 | $803 |
| Progressive | 63 | $664 |
| Farmers | 62 | $921 |
| GEICO | 61 | $991 |
| Allstate | 60 | $989 |
| Kemper | 55 | $772 |
| National General | 49 | $1,487 |
| Dairyland | No Data | $3,357 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Vancouver by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates in Vancouver, averaging $1,362 per year for 40-year-olds and $1,367 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $2,582 | $-569 |
| 17 | $2,588 | $-575 |
| 18 | $2,209 | $-196 |
| 19 | $1,943 | $71 |
| 20 | $2,010 | $3 |
| 21 | $1,541 | $472 |
| 22 | $1,671 | $343 |
| 23 | $1,747 | $266 |
| 24 | $1,636 | $377 |
| 25 | $1,808 | $-231 |
| 40 | $1,362 | $215 |
| 65 | $1,367 | $210 |
Cheapest Car Insurance for Teens in Vancouver
Kemper offers the cheapest overall car insurance for teens in Vancouver at $137 per month, saving $57 compared to the average cost. The table below breaks down the most affordable providers for this age group.
| Kemper | $137 | $57 | $192 |
| Allstate | $143 | $51 | $372 |
| CIG | $157 | $37 | $183 |
| Nationwide | $167 | $27 | $464 |
| Travelers | $176 | $19 | $265 |
| State Farm | $194 | $1 | $239 |
| GEICO | $212 | $-18 | $393 |
| Farmers | $235 | $-41 | $358 |
| Progressive | $327 | $-133 | $493 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Vancouver
PEMCO offers the lowest monthly rates for young drivers in Vancouver: $21 for minimum coverage and $65 for full coverage. Explore the table below to compare affordable options across different driver profiles.
| PEMCO | Minimum Coverage | $21 |
| PEMCO | Full Coverage | $65 |
| PEMCO | Bad Credit | $43 |
| PEMCO | Drivers With a DUI | $63 |
| PEMCO | Drivers With an Accident | $54 |
| PEMCO | Drivers With a Speeding Ticket | $50 |
Cheapest Car Insurance Companies for Young Drivers in Vancouver
PEMCO offers the most affordable auto insurance for young drivers in Vancouver at $43 monthly. The table below shows other companies with competitive rates.
| PEMCO | $43 | $71 |
| Progressive | $67 | $47 |
| State Farm | $72 | $42 |
| American Family | $72 | $41 |
| Travelers | $78 | $36 |
| Allstate | $87 | $27 |
| Farmers | $92 | $22 |
| Kemper | $95 | $19 |
| Chubb | $99 | $15 |
| Auto-Owners | $103 | $10 |
| Nationwide | $112 | $2 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Vancouver
PEMCO and State Farm offer the cheapest car insurance for seniors in Vancouver, but rates vary by driving history and coverage needs. The table below shows affordable providers for different driver and coverage profiles.
| PEMCO | Minimum Coverage | $18 |
| PEMCO | Full Coverage | $55 |
| PEMCO | Bad Credit | $37 |
| State Farm | Drivers With a DUI | $56 |
| PEMCO | Drivers With an Accident | $53 |
| PEMCO | Drivers With a Speeding Ticket | $48 |
Cheapest Car Insurance for Seniors in Vancouver
PEMCO offers the cheapest monthly premium for seniors in Vancouver, $37, for minimum and full coverage car insurance. State Farm follows at $51. The table below shows the top car insurance providers for seniors.
| PEMCO | $37 | $51 |
| State Farm | $51 | $37 |
| Kemper | $58 | $30 |
| Progressive | $61 | $27 |
| Chubb | $61 | $27 |
| Auto-Owners | $63 | $25 |
| Travelers | $65 | $23 |
| American Family | $72 | $16 |
| Nationwide | $75 | $13 |
| Farmers | $80 | $8 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Vancouver
For high-risk drivers, Vancouver's minimum coverage averages $984, and full coverage is $1,928, both lower than the state averages of $1,027 and $2,012, respectively. Drivers with bad credit and DUIs typically face the highest insurance costs, while accidents and speeding tickets have a smaller impact.
| Vancouver Average | $984 | $1,928 |
| State Average | $1,027 | $2,012 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers typically consider minor driving incidents, like not-at-fault accidents or speeding tickets, for a few years. For serious driving offenses, such as DUI, insurers may consider them for a longer period, and you might need to file an SR-22 to meet Washington's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Vancouver
PEMCO offers the cheapest car insurance for drivers with a DUI in Vancouver at $352 annually for minimum coverage and $996 for full coverage. Check out the table below for more low-cost coverage options.
| PEMCO | $29 | $83 |
| State Farm | $39 | $84 |
| Progressive | $49 | $87 |
| Chubb | $53 | $130 |
| American Family | $64 | $100 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Vancouver
PEMCO, State Farm and Auto-Owners offer Vancouver's cheapest auto insurance after an at-fault accident. The table below shows various providers offering affordable coverage.
| PEMCO | $24 | $69 |
| State Farm | $43 | $92 |
| Auto-Owners | $52 | $134 |
| Chubb | $53 | $130 |
| Travelers | $64 | $129 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Vancouver
PEMCO is the cheapest car insurance provider for drivers with speeding tickets, offering minimum coverage at $21 and full coverage at $64 monthly. Check the table below to see how much other providers charge drivers with speeding tickets in Vancouver.
| PEMCO | $21 | $64 |
| State Farm | $39 | $84 |
| Chubb | $47 | $114 |
| Progressive | $53 | $94 |
| Auto-Owners | $54 | $137 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Vancouver
PEMCO offers the most affordable rates for drivers with bad credit in Vancouver, with minimum coverage at $17 and full coverage at $51 per month. Check the table below for more affordable options.
| PEMCO | $17 | $51 |
| State Farm | $35 | $76 |
| Auto-Owners | $40 | $100 |
| Progressive | $42 | $72 |
| Chubb | $43 | $103 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Vancouver, WA
In Washington, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
For example, if you're at fault in an accident, your insurance will cover up to $50,000 for injuries to others, helping you avoid out-of-pocket expenses.
Cheap Car Insurance in Vancouver: Bottom Line
PEMCO offers Vancouver’s most affordable car insurance, with minimum coverage starting at $17. Regardless of your age or credit, you can find budget-friendly options. Ensure your policy includes Washington’s required coverages: bodily injury liability, property damage liability and uninsured motorist protection. Compare providers to secure a cost-effective rate that complies with state laws and protects you financially.
Vancouver Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Vancouver.
What is the cheapest car insurance company in Vancouver, WA?
PEMCO offers the most affordable car insurance in Vancouver, Washington, with rates starting at $17 monthly for minimum coverage.
What is the best car insurance company in Vancouver, WA?
PEMCO is the best cheap car insurance provider in Vancouver, Washington, with a MoneyGeek score of 90 out of 100 and an average annual premium of $409.
How much does car insurance cost on average in Vancouver, WA?
The average range for minimum coverage auto insurance in Vancouver is from $62 to $87 per month.
Best Cheap Car Insurance in Vancouver: Our Methodology
MoneyGeek analyzed Vancouver auto insurance prices using data from the Washington State Office of the Insurance Commissioner and Quadrant Information Services.
Vancouver Driver Profile
To assess the best and most affordable auto insurance options for Vancouver residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Vancouver
In assessing the car insurance quotes for Vancouver, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Washington's minimum coverage requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Washington providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Vancouver
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes from insurance companies in Vancouver for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.