Compare Vancouver, WA Car Insurance Rates (2021)

The cheapest Vancouver, WA car insurance is from Nationwide, although rates vary by driver. Auto insurance in Vancouver, WA must meet the state minimum requirements of 25/50/10 in liability coverage, however, drivers are encouraged to increase these limits to cover major accidents. Compare quotes below to find the cheapest Vancouver, WA car insurance rates near you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 7, 2021

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Here's what you need to know...

  • Nationwide has the cheapest car insurance in Vancouver, WA
  • Vancouver is close to Portland, OR and shares high amounts of traffic
  • Car insurance rates in Vancouver, WA are between the state and national averages

Vancouver, WA car insurance is more expensive than the average state rates for Washington car insurance, but it’s less than the national average. This means that drivers in Vancouver won’t pay extremely high auto insurance rates.

However, before you buy Vancouver, WA car insurance, you should shop around and compare quotes. Finding out what multiple companies can offer you will help you find great coverage at the lowest price.

Monthly Vancouver, WA Car Insurance Rates by ZIP Code

Check out the monthly Vancouver, WA auto insurance rates by ZIP Code below:

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Vancouver, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Vancouver, WA stack up against other top metro auto insurance rates? We’ve got your answer below.

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Enter your ZIP code now to compare Vancouver, WA car insurance quotes today.

What is the cheapest car insurance company in Vancouver, WA?

Nationwide is the cheapest car insurance company in Vancouver, WA that offers coverage to all drivers. Although USAA is actually cheaper, it only offers auto insurance to the military, veterans, and their families.

Which Vancouver, WA auto insurance company has the cheapest rates? And how do those rates compare against the average Washington auto insurance company rates? We’ve got the answers below.

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The top-rated Vancouver, WA car insurance companies listed from cheapest to most expensive are:

  • USAA – $2,285.14
  • Nationwide – $2,320.27
  • State Farm – $2,712.25
  • GEICO – $2,864.26
  • Farmers – $3,195.60
  • Progressive – $3,425.00
  • Allstate – $3,600.73
  • American Family – $3,932.13
  • Liberty Mutual – $4,115.13

These are average rates since rates for each individual driver will depend on many different items. Factors affecting car insurance rates include your age, gender, marital status, driving history, and credit record.

Vancouver, WA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Vancouver auto insurance rates. Find the cheapest Vancouver, WA auto insurance rates by coverage level below:

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Your credit score will play a major role in your Vancouver auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Vancouver, WA auto insurance rates by credit score below.

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Your driving record will play a major role in your Vancouver auto insurance rates. For example, other factors aside, a Vancouver, WA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Vancouver, WA auto insurance rates by driving record.

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Factors affecting auto insurance rates in Vancouver, WA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Vancouver, Washington auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Washington does use gender, so check out the average monthly auto insurance rates by age and gender in Vancouver, WA.

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What car insurance coverage is required in Vancouver, WA?

Auto insurance is required in Vancouver, WA to drive legally. The state minimum requirements Vancouver drivers must carry are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

This is not a lot of coverage, especially given the high health care costs and the increasing cost of automobiles. You can very quickly exhaust those limits and then are responsible for the remaining costs.

In order to prevent having to pay out of pocket in the event of a major accident, drivers in Vancouver should consider carrying more than just the state minimum auto insurance policy.

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What affects car insurance rates in Vancouver, WA?

The traffic where you live can also increase your car insurance costs. More traffic means a greater chance of being in an accident.

Although INRIX doesn’t provide data for Vancouver, WA, it does rank nearby Portland, OR as the eighth most congested city in the U.S. and the 43rd most congested city in the world. Vancouver shares that traffic with Portland.

Despite the traffic, City-Data reports that most drivers in Vancouver, WA have about a 20-minute commute.

Auto theft can also affect your car insurance rates. According to the FBI, Vancouver, WA had 1,063 motor vehicle thefts, and Portland, OR had 7,295 in a one-year period.

Vancouver, WA Car Insurance: The Bottom Line

Vancouver car insurance rates are above the national average, making it necessary to shop around for affordable Vancouver, WA car insurance. Compare quotes from multiple companies to find the best deal for you.

Enter your ZIP code now to find Vancouver, WA car insurance rates from the top companies.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Vancouver, WA Car Insurance Rates by ZIP Code
Vancouver, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Vancouver, WA Car Insurance Rates by Company vs. City Average
Vancouver, WA Car Insurance Rates by Company and Age
The Cheapest Vancouver, WA Car Insurance Rates by Coverage Level
The Cheapest Vancouver, WA Car Insurance Rates by Credit Score
The Cheapest Vancouver, WA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Vancouver, WA
Average Monthly Car Insurance Rates by Age & Gender in Vancouver, WA
Monthly Vancouver, WA Car Insurance Rates by ZIP Code
Vancouver, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Vancouver, WA Car Insurance Rates by Company vs. City Average
Vancouver, WA Car Insurance Rates by Company and Age
The Cheapest Vancouver, WA Car Insurance Rates by Coverage Level
The Cheapest Vancouver, WA Car Insurance Rates by Credit Score
The Cheapest Vancouver, WA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Vancouver, WA
Average Monthly Car Insurance Rates by Age & Gender in Vancouver, WA