Cheapest Auto Insurance in Vancouver, Washington (2025)

The overall average cost of car insurance in Vancouver, Washington, is $133 per month, which is on par with the state average of $130 per month. In Washington, 21.7% of drivers are uninsured, which may influence baseline rates in the area.1

You have a variety of car insurance companies to choose from in Vancouver to protect yourself, your vehicle, and your passengers. As you research your options, you should compare quotes and consider your unique insurance needs.

3 of the cheapest car insurance companies in Vancouver

When you’re shopping for the cheapest car insurance rates, it’s essential to make sure you know what type of coverage you need and how much you can afford. You should also make a note of any unique circumstances that could affect the cost of your car insurance policy, like having past speeding tickets or poor credit.

The best company for you to work with will vary based on your unique situation, which is why you should consider rates from multiple insurers.

Best insurer for cheap rates: Travelers

Best insurer for teen drivers: GEICO

Best insurer for military members: USAA

How to get the cheapest car insurance in Vancouver

Though you can’t control everything when it comes to finding the lowest car insurance rate, you can take a few steps to make earning cheaper rates easier:

• Consider bundling your home and auto policies. Many insurance companies offer discounts when customers bundle policies for their cars and homes. You typically can also bundle policies for recreational vehicles or motor homes.

• Check for discounts through local organizations. Check with the AARP or other local organizations to see if they work with any insurance companies that provide discounts. Older drivers may even qualify for age-based driving discounts.

• Participate in discount programs for students. Look for discounts through a good driving program or good student program that requires students to maintain a B or higher average. Young drivers are often the most expensive to insure, so finding discounts can help with costs.

• Compare auto insurance rates from multiple companies. One of the best ways to secure cheap car insurance in Vancouver is to compare quotes and coverage options between at least three different insurance companies. Comparing quotes gives you a better picture of what to expect.

Cheapest liability-only car insurance in Vancouver: State Farm

Liability insurance provides the state’s minimum coverage at an affordable rate. This coverage pays for the property damage and bodily injury you cause another driver and their passengers in an accident. Liability insurance doesn’t cover vehicle damages or medical expenses for you and your passengers.

Motor vehicle owners who can pay out of pocket to replace or repair their car or cover medical costs after an accident may want to consider liability-only coverage to save money. This coverage makes the most sense for drivers of old or low-value vehicles.

The average cost of liability insurance in this city located just north of the Washington/Oregon border, is $96 per month. Here are some of the cheapest insurers for liability coverage in Vancouver.

Cheapest full-coverage car insurance in Vancouver: State Farm

Full-coverage policies offer more protection for drivers than liability-only auto insurance. In addition to paying expenses for the other party in an at-fault accident, full-coverage insurance also provides financial protection for your car and passengers. These policies typically cost more.

You should consider full-coverage insurance if you know you can’t replace your vehicle out of pocket. If you lease or finance your vehicle, your auto lender or dealer may even require you to purchase this coverage.

The average cost of full-coverage insurance in the city is $170 per month. Here are some of the cheapest full-coverage car insurance quotes for drivers in Vancouver.

Car insurance requirements in Washington

Washington is an at-fault state. This means that car insurance companies will determine which driver caused an accident. The at-fault driver (or their insurance company) must then pay to cover the property damage and medical expenses of the other driver.

Drivers in Washington must carry a minimum amount of liability insurance or proof of financial responsibility to operate a car, truck, or motorcycle in the state. If you drive without insurance, you risk license suspension and a fine of up to $550. Drivers older than 25 can qualify for self-insurance by completing an application and a minimum deposit of $60,000.

Find the specific car insurance requirements in Washington below:3

If you want more financial protection, consider adding one or more of the following coverages to your car insurance policy:

Drivers with a poor record can qualify for coverage from AIPSO

Washington requires all drivers to maintain a minimum amount of liability insurance to operate a vehicle. Drivers whose spotty driving history has made it difficult to find insurance may qualify for the Washington Automobile Insurance Plan through the Automobile Insurance Plan Service Office (AIPSO).

This group provides insurance to drivers who can’t find coverage elsewhere. If you have certain violations on your record, you may need to file an SR-22 with the state to prove you have insurance.

Cheapest car insurance for drivers with an incident

Drivers with clean records typically earn the cheapest car insurance rates. Having one or more incidents on your record — including an at-fault accident, speeding ticket, or DUI — typically results in higher insurance premiums for several years. Auto insurers view past incidents as risk factors.

How much these incidents affect your car insurance premium will depend on several things, including the frequency and severity of the incidents, as well as how long ago the incidents occurred.4

Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding tickets may affect your auto insurance rate, particularly if you have convictions for excessive speeding, your speeding resulted in an accident, or you have multiple violations. Washington doesn’t use a point system for traffic violations, but the state does keep a record of incidents.

Insurance companies can view a three- to five-year history of your convictions, violations, collisions, and failure-to-appear charges on your driving record when determining premiums. You may face more expensive car insurance rates if you’ve had one or more speeding violations in the past three years.

If you’re a resident of Vancouver and you’ve been pulled over for speeding, your liability-only insurance could cost $122 per month, on average. Here are the cheapest insurance options for drivers in Vancouver with a speeding ticket and how they compare to rates for drivers with a clean record.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Drivers with an at-fault accident typically face higher rates for several years because insurance companies view drivers with claims on their records as higher-risk. Washington is an at-fault state, which means drivers found at fault in an accident are responsible for covering damages and medical costs. At-fault collisions stay on your driving record for five years following an accident.5

If you purchase accident forgiveness coverage when you buy your policy, you can avoid a rate increase after your first at-fault accident.

Vancouver drivers pay an average of $128 per month for liability-only insurance with an at-fault accident on their records. Find the lowest monthly quotes for drivers with an at-fault accident below.

Cheapest car insurance for drivers with a DUI: State Farm

Washington drivers with a DUI on their record may have a harder time finding cheap car insurance rates. Drivers convicted of a DUI must file an SR-22 certificate of financial responsibility with the state. Some insurance companies may refuse to provide coverage to high-risk drivers, and the companies that offer insurance for drivers with a DUI on their record typically charge higher rates to offset their risk.

In addition to higher insurance rates, drivers could face up to four years of license suspension following a DUI conviction. Alcohol-related convictions stay on your driving record for life in Washington.

Vancouver drivers with a DUI pay an average of $118 per month for a liability-only policy. Find the cheapest monthly quotes for drivers with a past DUI below.

Cheapest car insurance for seniors: State Farm

Your age can affect how much you pay for car insurance. Rates typically decrease steadily for drivers between ages 25 and 70. Senior drivers may face different rates depending on their age. Drivers older than 55 may qualify for cheaper rates or discounts because they tend to exercise more caution on the road, according to the Insurance Information Institute.6

Drivers older than 70 see slightly higher insurance rates due to an elevated risk of getting into an accident or being seriously injured in an accident.

A liability-only policy in Vancouver costs $83 per month for senior drivers. Here are some of the best options for senior drivers in Vancouver.

Cheapest car insurance for teens: USAA

Teen drivers pay higher rates than nearly all other customers because they’re at the highest risk for accidents. Teen drivers between ages 16 and 19 are three times as likely to experience a fatal car accident as drivers 20 and older.7 Newly licensed young drivers should use extra caution when driving with friends.

Teens can earn lower rates by participating in a good student discount program with their insurance company, requesting a student-away-at-school discount if they're attending college away from home, and by taking a safe driving course. Additionally, teen drivers (even those away at school) should consider staying on their parents’ policies to get the most affordable rates. It's illegal for drivers younger than 18 to buy their own policy, unless they have written consent from a parent or guardian.

Teen drivers in Vancouver pay a monthly average of $203 for minimum coverage. Here are the cheapest average quotes for teen drivers in Vancouver.

Vancouver car insurance quotes by credit tier

Washington law allows insurance companies to use your credit history when determining rates. In July 2022, a Washington judge blocked an emergency order from the state's insurance commissioner that temporarily banned insures from using credit information to rate policies.8

Your credit history can affect the cost of your insurance policy. Insurance companies consider drivers with poor credit to be a higher risk than drivers with excellent or good credit. Good to excellent credit will likely qualify you for lower rates.

Here are the average full-coverage insurance quotes for Vancouver drivers by credit tier:

Is car insurance more expensive in Vancouver?

The average American driver spends an average of $104 per month for liability insurance and $184 per month for a full-coverage insurance policy, according to Insurify’s Mid-Year Auto Insurance Trends Report. Vancouver drivers pay $96 per month for liability coverage and $170 for full-coverage insurance.

Rates within the state may vary based on ZIP code, population density, vehicle crime rates, and accident rates.

More cities in Washington

Vancouver drivers pay $170 per month for full-coverage car insurance. You can see how quotes in other Washington cities compare to the average in Vancouver below.