Buy Cheap Vancouver, WA Auto Insurance
The cheapest average Vancouver, WA auto insurance is from Nationwide, but rates vary by driver. Auto insurance in Vancouver must meet the Washington minimum requirements of 25/50/10 in liability coverage. However, those limits are very low, and drivers are encouraged to increase those limits and carry additional coverages. Compare Vancouver, WA auto insurance rates online to find your best deal.
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UPDATED: Jul 15, 2021
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- Nationwide offers the cheapest Vancouver, WA auto insurance on average to all drivers in the city
- Vancouver auto insurance is cheaper than the national average but more expensive than the state average
- Drivers in Vancouver can opt-out of PIP and uninsured/underinsured motorist coverage
Vancouver, WA auto insurance is more expensive than the average Washington auto insurance rates. However, it is cheaper than the national average.
The good news is that you can still find affordable Vancouver, WA auto insurance if you know where to look. Shop around and compare quotes from different companies to see who has the cheap auto insurance that fits your needs.
Enter your ZIP code now to compare Vancouver, WA auto insurance rates from multiple companies for free.
What is the cheapest auto insurance company in Vancouver, WA?
Although USAA is actually the cheapest Vancouver, WA auto insurance company, it only offers coverage to the military, veterans, and their families. The company that offers the cheapest coverage on average to all Vancouver drivers is Nationwide.
The top Vancouver, WA auto insurance companies listed from least to most expensive are:
- USAA – $2,285.14
- Nationwide – $2,320.27
- State Farm – $2,712.25
- GEICO – $2,864.26
- Farmers – $3,195.60
- Progressive – $3,425.00
- Allstate – $3,600.73
- American Family – $3,932.13
- Liberty Mutual – $4,115.13
Your auto insurance rates are affected by many different factors, such as your age, gender, credit history, and driving record.
Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, Tacoma, WA auto insurance is more expensive than coverage in Vancouver.
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What auto insurance coverage is required in Vancouver, WA?
Almost every state, including Washington, requires at least a minimum amount of auto insurance for drivers to drive legally.
Vancouver drivers must carry at least these minimum auto insurance coverages:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $10,000 per incident for property damage
These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.
Vancouver drivers are also encouraged to carry personal injury protection and uninsured/underinsured motorist coverages but can choose not to carry them by submitting a written request.
What affects auto insurance rates in Vancouver, WA?
The amount of traffic in your city can affect your auto insurance rates. More cars on the road equal a higher chance of an accident.
Although INRIX doesn’t have data for Vancouver, WA, it does list nearby Portland, OR as the 14th most congested city in the U.S.
City-Data shows that most Vancouver drivers commute around 20 minutes. Although most drivers make their commute alone, about 10% carpool.
Auto theft can also lead to higher car insurance rates. According to the FBI, there were 1,063 motor vehicle thefts in one year in Vancouver.
Vancouver, WA Auto Insurance: The Bottom Line
Although auto insurance in Vancouver can be more expensive than average, you can still find cheap coverage. Before you buy Vancouver, WA auto insurance, shop around and compare rates to see which company can offer you the best deal.
Enter your ZIP code now to compare Vancouver, WA auto insurance quotes from multiple companies near you for free.