Cheapest Car Insurance In Vancouver, WA 2025
In Vancouver, Direct Auto provides the lowest-priced minimum coverage car insurance at just $46 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for low-cost car insurance in Vancouver, WA, you’ll find that rates differ significantly.
If you’re looking for the most affordable liability-only policy, Direct Auto is the best option. For full coverage, State Farm has the lowest rates, while Country financial is the cheapest choice for young drivers.
Cheapest Car Insurance Companies In Vancouver, WA 2025
Cheapest Liability-only Car Insurance In Vancouver: Direct Auto
Direct Auto provides the lowest-priced minimum coverage car insurance in Vancouver, averaging $46 per month.
Use the table below to compare the rates offered by various insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $46 | $552 |
| USAA | $52 | $624 |
| Allstate | $67 | $804 |
| State Farm | $50 | $600 |
| American Family | $75 | $900 |
Cheapest Full Coverage Insurance Rates In Vancouver: State Farm
In Vancouver, State Farm provides the most affordable full coverage car insurance, costing around $113 per month.
Below is a table comparing average auto insurance rates from low-cost insurers in Vancouver.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $113 | $1,356 |
| Safeco | $133 | $1,596 |
| American Family | $169 | $2,028 |
| Allstate | $148 | $1,776 |
| Nationwide | $174 | $2,088 |
Cheapest Car Insurance Rates For Seniors: USAA
In Vancouver, seniors can get the cheapest car insurance from USAA, which averages $61 a month.
Below is a table comparing average rates from the cheapest car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $61 | $732 |
| CIG | $72 | $864 |
| PEMCO | $66 | $792 |
| Chubb | $86 | $1,032 |
| State Farm | $72 | $864 |
Cheapest Rates In Vancouver For Teenagers: Safeco
Safeco offers the cheapest car insurance for teen drivers in Vancouver, with an average monthly cost of $134.
Below is a table comparing the most affordable insurance providers for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $134 | $1,608 |
| USAA | $152 | $1,824 |
| CIG | $155 | $1,860 |
| PEMCO | $140 | $1,680 |
| State Farm | $163 | $1,956 |
Cheapest Auto Insurance For Young Adults in Vancouver: Country Financial
Country Financial provides the most affordable quotes for young adult drivers in Vancouver, with an average cost of $52 per month.
The table below provides a comparison of the most affordable car insurance options for young adults in Vancouver.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $52 | $624 |
| PEMCO | $114 | $1,368 |
| USAA | $100 | $1,200 |
| CIG | $124 | $1,488 |
| State Farm | $126 | $1,512 |
Cheapest Car Insurance In Vancouver For Good Drivers: Direct Auto
Direct Auto offers the most affordable car insurance for good drivers in Vancouver, with quotes around $46 a month.
If you have a good driving record, the table below shows average rates from the most budget-friendly insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $46 | $552 |
| USAA | $52 | $624 |
| Allstate | $67 | $804 |
| State Farm | $50 | $600 |
| American Family | $75 | $900 |
Find affordable Vancouver rates
Cheapest Car Insurance In Vancouver After A Speeding Ticket: Direct Auto
Compared to other insurers in Vancouver, Direct Auto provides some of the lowest rates, averaging $62 a month for drivers with a speeding violation.
The table below shows the typical rates for drivers who have a speeding violation on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $62 | $744 |
| GEICO | $81 | $972 |
| State Farm | $67 | $804 |
| American Family | $100 | $1,200 |
| Chubb | $113 | $1,356 |
Cheapest For Drivers With After At-Fault Accident: Direct Auto
If you have an at-fault incident, Direct Auto offers the lowest insurance rates at about $65 per month.
Below are the insurers with the most affordable rates for drivers who have caused an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $65 | $780 |
| Allstate | $90 | $1,080 |
| State Farm | $103 | $1,236 |
| GEICO | $70 | $840 |
| Nationwide | $106 | $1,272 |
Cheapest Rates In Vancouver For Drivers After A DUI: Direct Auto
In Vancouver, drivers with a DUI can get the cheapest insurance from Direct Auto, with an average monthly rate of $76.
If you have a DUI, check the table below for the most affordable insurance rates in Vancouver.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $76 | $912 |
| GEICO | $102 | $1,224 |
| State Farm | $84 | $1,008 |
| American Family | $124 | $1,488 |
| National General | $136 | $1,632 |
Best Car Insurance Companies In Vancouver
Vancouver drivers can get the lowest insurance rates from Direct Auto at $46 per month, with State Farm at $50 and USAA at $52 as alternative options.
The table below ranks the 10 best car insurance providers in Vancouver, WA, based on their average monthly premiums.
| Company | Monthly Premium |
| Direct Auto | $46 |
| USAA | $52 |
| Allstate | $67 |
| State Farm | $50 |
| American Family | $75 |
| GEICO | $61 |
| Nationwide | $76 |
| National General | $82 |
| Chubb | $84 |
| Farmers | $86 |
Average Auto Insurance Rates In Vancouver – By Age
Car insurance rates heavily depend on age, with younger drivers typically paying more due to their inexperience and higher risk of accidents. Teen drivers can expect to pay around $7,599 annually.
At age 25, drivers often see lower insurance premiums, as long as they keep a good driving history.
The lowest insurance rates are typically available to drivers in their 50s and early 60s since insurers factor in age to determine risk and pricing.
| Age | Average Yearly Rate |
| Teenagers | $2,226 |
| 20s | $1,510 |
| 30s | $1,037 |
| 40s | $1,035 |
| 50s | $932 |
| 60s | $888 |
| 70s | $1,193 |
Average Rates In Vancouver – By Vehicle
The kind of car you drive has a big impact on your insurance rates. Insurers consider factors like the make, model, and age of the vehicle, with luxury and high-tech cars typically costing more to insure.
The table below provides average car insurance rates in Vancouver based on vehicle type.
| Vehicle | Average Monthly Rate |
| Lexus RX | $90 |
| Ford Focus | $132 |
| Dodge Charger | $95 |
| Toyota Corolla | $57 |
| Dodge Grand Caravan | $77 |
How Much Is Car Insurance In Other Cities in Washington?
Your location plays a key role in determining your car insurance rates. Insurance companies assess accident risk, theft, and vandalism, which tend to be more common in urban areas, increasing costs.
Car insurance costs vary by city—Kent drivers spend an average of $110 per month, while Bremerton residents pay about $88.
| City | Average Monthly Rate |
| Seattle | $109 |
| Bremerton | $88 |
| Kent | $110 |
| Everett | $106 |
| Spokane | $92 |
| Olympia | $94 |
| Renton | $105 |
| Lakewood | $102 |
| Lynnwood | $107 |
| Puyallup | $109 |
Average Cost Of Auto Insurance In Vancouver – By Zip Code
Your zip code plays a role in setting your car insurance rates since it helps insurers gauge local crime levels.
The table below shows the average car insurance costs for different zip codes in Vancouver.
| City | Average Monthly Rate |
| 98661 | $94 |
| 98685 | $91 |
| 98684 | $101 |
| 98660 | $87 |
| 98121 | $282 |
Find affordable Vancouver rates
Our Methodology
By evaluating customer feedback, policy choices, pricing, and online reviews, I’ve created a comprehensive overview of car insurance options in Vancouver, WA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Vancouver?
If you’re looking for the lowest car insurance rates in Vancouver, Direct Auto has the best prices for minimum coverage, while State Farm is the most budget-friendly for full coverage.
What is the average cost of car insurance in Vancouver?
The typical monthly car insurance premium in Vancouver is about $100, but prices vary based on your location, car model, and driving record.
