Vancouver, WA Auto Insurance | Cheap Car Insurance in Vancouver, WA
Vancouver, WA auto insurance rates are $100 more than the state average but $200 less than the national average. Auto insurance quotes in Vancouver, WA, are competitive, but we'll show you which companies have the cheapest rates. Also, we've provided additional city information that affects auto insurance. Learn more.
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Written by
Chris Tepedino
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Reviewed by
Rachael Brennan
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UPDATED: Nov 17, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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- Car insurance rates in Vancouver, WA are about $200 lower than the national average.
- The state of Washington requires all drivers to carry bodily injury and property damage liability car insurance coverage.
- American Family and State Farm offer some of the lowest rates in Vancouver, WA.
Vancouver, WA auto insurance is $200 cheaper than the national average. However, your auto insurance quotes in Vancouver, WA, will vary based on the company you're with and your coverage level.
Our extensive auto insurance guide will focus on Washington car insurance requirements and Vancouver, WA auto insurance companies. Also, we'll discuss how different factors affect Vancouver, WA auto insurance rates.
Find affordable Vancouver, WA, car insurance companies in your area right now by entering your ZIP code in the FREE comparison tool above.
Washington Auto Insurance Coverage Requirements
Driving legally in Vancouver requires auto liability coverage. Here are the minimum requirements for Washington auto insurance, according to Washington's Department of Insurance Commissioners.
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 25,000/50,000 | 100,000/300,000 |
| Property Damage Liability | 10,000 | 50,000 |
| Uninsured Motorist Bodily Injury | Not required | 100,000/300,000 |
| Medical Payments | Not required | 10,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 100 deductible |
Not many drivers have the luxury of limiting their Washington car insurance purchase to just the state mandatory minimums listed in the middle column above.
Many locals, especially those who are still making payments on a relatively new car, have to buy Vancouver, WA auto insurance coverage that looks more like the amounts and types in the "Most Common" column.
Washington's monthly car insurance rates can get as high as $125 or more for some Washington motorists. However, you can find lower prices if you look. Let's start with a look into auto insurance companies' monthly premiums.
American Family and State Farm are offering some exceptionally low rates in the Vancouver area right now. If you're curious about switching, contact an agent so that they can analyze your circumstances and show you the most accurate quote possible.
Companies that offer auto insurance coverage consider numerous elements while determining insurance prices, including gender, where you live, occupation, education, and current insurance coverage and limits.
Additionally, premiums differ depending on which company. To find out if that you are still receiving the best cost, look at cheap Vancouver, WA auto insurance quotes via the internet.
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Vancouver Major Auto Insurance Factors
You might feel somewhat helpless once your car insurance company is evaluating your insurance quote; after all, almost all the factors they assess are outside of your control.
Before you continue reading, watch this news report on factors that determine auto insurance.
However, there are some things you can do to make your rates a little cheaper.
Your ZIP Code
Where you park your vehicle each night will likely have a significant impact on your auto insurance rates. Generally, car insurance is more expensive in bigger cities where the increased number of cars on the road means a greater likelihood of an accident. The population of Vancouver is 167,405. The average household income is $47,379.
Automotive Accidents
Vancouver has a lower population than similar Washington state cities, yet its fatal accident statistics are equal to nearby cities with larger populations.
This means that the accident rate is higher per capita in Vancouver than in similar areas. And this, in turn, means that your insurance rates might be automatically higher each month as a result of these alarming statistics.
Auto Thefts in Vancouver
All insurance agencies have concerns regarding auto theft. This is especially true for drivers who live in big cities or anywhere auto theft rates are high. There were 1,063 stolen cars in Vancouver in 2017, according to the FBI. In order to be covered for a stolen vehicle, you'll need to have comprehensive coverage on your auto insurance policy.
Your Credit Score
Do you know how influential your credit score is when it comes to your insurance rates? Well, the answer is "very." Having a high credit score will get you the lowest possible rates. But for every tier lower your credit score takes you, your monthly rates can double, or triple, or more.
Your Age
Young drivers, whether still living at home or out on their own, unfortunately, have to pay for their lack of driving experience with triple-digit insurance premiums. However, you can take some of the sting out of things by qualifying for a good student discount or a driver's education discount.
Your Driving Record
How many accidents have you had in the last five years? What about speeding tickets? Well, if your insurance company has an Accident Forgiveness discount, you might get one (or more) of these violations ignored the next time you have your monthly premium evaluated by your insurer.
Your Vehicle
It’s a golden rule of the insurance industry: the more coverage you need to purchase, the more you'll pay for your premium each month. And older, cheaper vehicles don't require as much coverage as new, expensive vehicles usually do. So make your choice wisely when you decide to invest in a new or more expensive car because it will strongly influence your rates.
Why wait to compare rates? Enter your ZIP code in the FREE comparison tool to compare auto insurance companies in your area right now.
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Vancouver, WA, Minor Auto Insurance Factors
These factors can also either raise or lower your rates, but usually not as significantly:
Your Marital Status
Are you married, or soon to be married? Then talk to your insurance agent about bundling discounts that might be available to you and your spouse.
The more insurance policies your provider offers, the more you can bundle together — and the more discounts you can get!
Your Gender
Gender is one of those funny factors that not all insurance companies agree on. Some companies think men are more risky drivers (and therefore should have to pay more). Others believe women should be charged higher rates.
But the majority of providers don't calculate rates based on gender anymore. For more information, your insurance agent can explain their company's policy to you.
Your Driving Distance to Work
Generally, daily commutes only last between 15 and 20 minutes for Vancouver drivers. Some trips might be shorter (around 10 minutes) or longer (up to 25) depending on your situation. More than 75 percent of people use their own truck or car to get around, and 11 percent of residents prefer to carpool.
The table below shows the average annual car insurance rates in Washington State by commute distance.
| Companies | Average Annual Rates for 10 Miles Commute 6,000 Annual Mileage | Average Annual Rates for 25 Miles Commute 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,540.52 | $3,540.52 |
| American Family | $3,636.77 | $3,789.27 |
| Farmers | $2,962.00 | $2,962.00 |
| Geico | $2,536.39 | $2,600.92 |
| Liberty Mutual | $3,994.73 | $3,994.73 |
| Nationwide | $2,129.84 | $2,129.84 |
| Progressive | $3,209.52 | $3,209.52 |
| State Farm | $2,431.07 | $2,568.48 |
| USAA | $2,239.79 | $2,284.53 |
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How many miles do you think you would have to cut to see a significant dip in your monthly premium? Well, the truth may surprise you. Even if you slash a massive 5,000 miles off your odometer each year, you'll get a three to five percent discount at best.
Your Coverage and Deductibles
How much is your deductible? And are you allowed to raise or lower it? If so, then raising it can lower your monthly premium. However, keep in mind that you will actually have to pay that deductible if you have to file a claim, so set some money aside in case of an accident or other issue with your car.
Education in Vancouver, WA
By far, the highest level of education for most residents comes in the form of a high school diploma, which about 90 percent of those over age 25 have attained.
Additionally, 28.2 percent of Vancouver residents over 25 have a Bachelor's degree. If you're thinking about going back to school, keep in mind that doing so could actually lower your auto insurance premium.
There are several technical schools located in and around Vancouver that offer practical degrees in shorter timeframes, such as the International Hospitality Academy and the two-year Clark College.
For a full university degree, students can check out the Vancouver campus of Washington State University. Of course, if you aren’t necessarily state-loyal, you could commute to Portland and take advantage of the many educational opportunities there also.
Don't let a substandard car insurance provider to persuade you into purchasing an auto insurance policy that isn't right for you.
The total amount of information needed to determine your risk profile can be mind-boggling, but comparison websites like ours can make the process much simpler. Just input a couple of specifics below, and we'll take over from there.
How We Conducted Our Auto Insurance Analysis
We calculated our average rates based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
According to the Federal Trade Commission, industries like auto insurance give discounts to consumers with excellent and good credit scores.
Miles driven annually were based on the national average. The average rates were also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
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Vancouver, WA Auto Insurance: The Bottom Line
There are other companies in the Vancouver, WA, area that have competitive prices. Pemco Insurance, Progressive, The General, and Mutual of Enumclaw appear frequently in internet searches by users in Vancouver.
Based on our data, Vancouver's average annual rates are much cheaper than the national average; however, you should always compare car insurance companies.
Compare auto insurance quotes right now by entering your ZIP code in the FREE comparison tool below.
Frequently Asked Questions: Vancouver, WA Auto Insurance
Let's wrap up this guide by answering a few frequently asked questions that are related to Vancouver, WA car insurance. Vancouver has multiple ZIP codes and several auto insurance companies. These questions will talk about which Vancouver, WA auto insurance company is best and how much you could pay on average.
#1 – Who has the cheapest auto insurance in Washington State?
The top four cheapest companies in Washington State are Mutual of Enumclaw, State Farm, Progressive, and Geico.
#2 – How much does auto insurance cost in Vancouver?
According to our research, the average cost of insurance in Vancouver ranges from $3,136 to $3,195 per year.
#3 – Why is Geico insurance so cheap?
Geico is cheaper because it sells insurance directly to consumers. Also, there are several discounts for Geico customers.
#4 – How much is auto insurance per month in Washington state?
The average cost of auto insurance per year is $3,059, or $255 per month.
#5 – What are the worst insurance companies?
According to Consumer Reports, Esurance, Nationwide, and Liberty Mutual are the worst-rated companies.