Vancouver, WA Auto Insurance (2024)

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?

There are various factors that affect car insurance rates 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.

Monthly Vancouver, WA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Vancouver, WA auto insurance rates by ZIP Code below:

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Vancouver, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Vancouver, WA against other top US metro areas’ auto insurance costs.

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. For more information, check out our USAA auto insurance review.

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 cheapest Vancouver, WA car insurance providers can be found below. You also might be wondering, “How do those Vancouver, WA rates compare against the average Washington car insurance company rates?” We uncover that too.

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

• USAA auto insurance – $2,285
• Nationwide auto insurance – $2,320
• State Farm auto insurance – $2,712
• Geico auto insurance – $2,864
• Farmers auto insurance – $3,196
• Progressive auto insurance – $3,425
• Allstate auto insurance – $3,601
• American Family auto insurance – $3,932
• Liberty Mutual auto insurance – $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.

Vancouver, Washington car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group. Auto insurance for teens and young drivers is usually the most expensive.

Your coverage level will play a major role in your Vancouver, WA car insurance costs. The types of car insurance you choose will impact your rates. Find the cheapest Vancouver, Washington car insurance costs by coverage level below:

Your credit score will play a major role in your Vancouver, WA car insurance costs since auto insurance companies use credit scores to determine rates. Find the cheapest Vancouver, WA car insurance costs by credit score below.

Your driving record will affect your Vancouver, WA car insurance costs. For example, a Vancouver, Washington DUI may increase your car insurance costs 40 to 50 percent. Cheap auto insurance for drivers with a DUI is not easy to find. Find the cheapest Vancouver, Washington car insurance costs by driving record.

Controlling these risk factors will ensure you have the cheapest Vancouver, Washington car insurance. Factors affecting car insurance rates in Vancouver, WA may include your commute, coverage level, tickets, DUIs, and credit.

Age is a significant factor for Vancouver, WA car insurance rates. Young drivers are often considered high-risk. This Vancouver, Washington does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Vancouver, WA. Car insurance rates are more for males on average.

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. If you need high-risk auto insurance, it will cost a lot more.

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.

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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.

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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