Best Cheap Auto Insurance in Vancouver, WA (2021)

The cheapest auto insurance in Vancouver, WA is USAA. However, Vancouver, Washington, car insurance varies for each person. Vancouver, WA auto insurance must meet the state minimum requirements with coverage levels of 25/50/10 for liability. Compare Vancouver, WA auto insurance rates online to get the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 29, 2021

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Things to Remember

  • USAA, Nationwide, and State Farm are the cheapest companies in Vancouver
  • Several factors determine auto insurance
  • The average commute time in Vancouver is 24 minutes

On average, Vancouver, WA auto insurance rates cost $3,136 annually, which is $77 more expensive than the Washington auto insurance average, but $796 cheaper than the national annual average.

However, what you pay for Vancouver, WA auto insurance quotes vary. But why is that?

Various factors determine car insurance in Vancouver, WA and other cities across the United States.

Continue reading this short guide to learn how to get cheap auto insurance in Vancouver, Washington for every age, credit history, and driving record.

Are you ready to find affordable Vancouver, WA auto insurance right now? Enter your ZIP code above to get started.

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

The cheapest car insurance company in Vancouver, Washington, based on average rates, is USAA.

USAA is only available to active and retired members of the U.S. Armed Forces and their immediate families.

Therefore, the Texas-based company won’t provide insurance for all consumers. However, Nationwide, State Farm, and GEICO are good companies that have cheaper than average rates.

The best auto insurance companies in Vancouver, WA ranked from cheapest to most expensive, are:

  • USAA – $2,285
  • Nationwide – $2,320
  • State Farm – $2,712
  • GEICO – $2,864
  • Farmers – $3,196
  • Progressive – $3,425
  • Allstate – $3,601
  • American Family – $3,932
  • Liberty Mutual – $4,115

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on personal factors, including what part of the city you call home, your driving record, what kind of vehicle you drive, and the coverage level you choose.

Let’s talk about those factors.

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What major factors affect Vancouver, WA auto insurance?

One of the main factors is driving record. Any violation, accident, or DUI on a driving record drives up your auto insurance rates.

The surest way to affordable car insurance is through a clean driving record.

Keep a close watch over your credit score, also. Car insurance providers issue cheaper than average rates when you maintain good or exceptional credit.

Why? Auto insurance companies believe high credit scores correlate to fewer chances of filing a claim. Meanwhile, fair and poor credit holders pay more per year.

Finally, your age plays a big part in car insurance premiums. Age is an indicator that correlates to the driver’s experience.

While single, young drivers pay more, married drivers, 25 years and older, pay less for auto insurance. The age range that produces the most expensive car insurance is between 16 and 24.

What are the minimum Vancouver, WA auto insurance requirements?

All Vancouver, WA drivers have to meet the Washington state law minimum requirements for car insurance.

In Washington, you have to carry at least:

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

Washington is an at-fault state. Therefore, you’ll need to use your auto insurance policy when you’re at fault in an accident.

Driving uninsured will subject you to a stiff fine and infraction against your license and registration.

What minor factors affect Vancouver, WA auto insurance?

Some companies don’t consider commute mileage a minor factor, but some of the best companies don’t increase your rates when you drive more than average.

According to Data USA, the average commute time in Vancouver, WA is 24 minutes.

The average commute mileage (miles traveled within a year) is about 14,000 miles. If you drove fewer miles than that last year, you can save a few hundred dollars.

Did you know auto theft was a factor in determining car insurance cost? Comprehensive coverage usually covers vehicle theft, and high numbers of vehicle theft can increase comprehensive insurance.

Are car insurance companies in Vancouver, WA affected? The short answer is yes.

According to the 2019 FBI statistics, Vancouver had 808 car thefts, which is much lower than Seattle but higher than Bellevue.

Therefore, you may see an uptick in comprehensive auto insurance if you add it to your policy.

And what about Vancouver, WA weather? Vancouver, Washington weather is known for floods and mudslides, but not as much as the national average.

According to City-Data, Vancouver, WA had seven flooding disasters in 2019, which is below average.

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Vancouver, WA Auto Insurance: The Bottom Line

Vancouver, WA auto insurance quotes may be higher than the Washington state average, but you can take advantage of companies’ car insurance discounts to lower your premium.

Drivers under 25 may have to pay double the average cost, so they should stay under a parent’s policy. Even your vehicle’s anti-theft and safety features can get a deal on auto insurance.

Overall, the best way to secure cheap car insurance in Vancouver, WA is through a clean driving record and good credit.

Before you buy auto insurance in Vancouver, WA, be sure you’ve checked rates from the top auto insurance companies near you. Use our free comparison tool below to get fast, free auto insurance quotes today.

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