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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Mar 23, 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.

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.

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.

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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.

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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