Vancouver, WA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Vancouver.
How much is auto insurance in Vancouver?
The average cost of auto insurance in Vancouver is $710 per six-months. That's more than the average across Washington ($684) and less expensive than the national average of $880. Read on to learn more about how much you can expect to pay based on age, credit score, and other factors in Vancouver. Read on to learn more!
| Car insurance in Vancouver vs. Washington | Average 6 Mo. Premium |
|---|---|
| Vancouver average | $710 |
| Washington average | $684 |
The Zebra's key takeaways about car insurance in Vancouver:
- The average cost of a car insurance policy in Vancouver is $710 per six-month policy — $118 per month.
- The cheapest company in Vancouver is USAA ($464).
- 39% of Zebra customers in Vancouver stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Vancouver car insurance rates by company
The difference in auto insurance rates from company to company can be substantial. For a typical driver, USAA offers Vancouver's cheapest rates. See below the best companies for cheap auto insurance in Vancouver — but don't forget to get personalized auto insurance quotes to match your driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $464 |
| PEMCO Insurance | $469 |
| State Farm | $647 |
| Progressive | $677 |
| Allstate | $899 |
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Vancouver.
Vancouver auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 29% of Vancouver drivers. Vancouver drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $626 per six-months, on average. Drivers in their age_60s pay marginally higher rates — $652 per six-months.
Teenage drivers aged 16 to 19 pay the most for car insurance in Vancouver. One of the most effective ways to lower your car insurance rates as a driver in Vancouver is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Vancouver is $4,401, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,157 |
| 20s | $956 |
| 30s | $694 |
| 40s | $657 |
| 50s | $626 |
| 60s | $652 |
| 70s | $835 |
Vancouver car insurance rates by credit score
It's no secret credit score is closely correlated with car insurance rates. In fact, Vancouver drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 60% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Vancouver, improving your credit to "Fair" could help you earn a $557 decrease in six-month insurance premiums. Our data tells us 32% of drivers in Vancouver have a credit score of good (680-719).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,426 |
| Fair | $869 |
| Good | $710 |
| Very Good | $638 |
| Exceptional | $565 |
Vancouver car insurance rates by violation
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Vancouver drivers found guilty of reckless driving face insurance rate increases of $600 per year, compared to the citywide average. A DUI violation may lead to a $632 increase, while a citation for speeding leads to a $314 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,026 |
| Reckless Driving | $1,010 |
| At-fault Accident (damages less than $1,000) | $970 |
| At-fault Accident (damages > $2,000) | $1,053 |
| Speeding Ticket (16-20 mph over speed limit) | $867 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.