For a 40-year-old driver with a clean record, Vancouver car insurance averages about $253 a month ($3,041 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Washington average of $254 a month. State Farm has the lowest full-coverage average of the six insurers we price, at about $172 a month.
Vancouver is priced right around the Washington average. Our benchmark driver pays about $253 a month here, compared with $254 statewide and $292 in Seattle.
Our data covers 11 ZIP codes with a Vancouver mailing address, and they’re priced within about $14 a month of each other, from $245 in 98660 to $259 in 98682.
Cost data comes from the auto rates insurers file with state regulators, priced across all 11 Vancouver ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.
Full coverage in Vancouver averages $3,041 a year, or about $253 a month, for our benchmark driver. Liability-only coverage at Washington’s 25/50/10 minimum averages $1,167 a year ($97 a month), and 50/100/50 liability with comprehensive and collision averages $2,911 ($243 a month).
Safeco is far more expensive than the other insurers here: its full-coverage average of about $442 a month is 2.1 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Safeco, the Vancouver average would be about $216 a month.
State Farm has the lowest full-coverage average among the six insurers in our Vancouver rate data. USAA, American Family, Travelers and Farmers aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates. Among the published 2026 statewide Washington rate studies we reviewed, GEICO ranks cheapest for full coverage most often, apart from USAA, which sells only to military families; others put American Family, Oregon Mutual or Mutual of Enumclaw first. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among the insurers we price, at about $71 a month, with GEICO close behind at $77.
Full-coverage averages by insurer in Vancouver
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $850 | $71 | $2,061 | $172 |
| GEICO | $920 | $77 | $2,176 | $181 |
| Progressive | $979 | $82 | $2,326 | $194 |
| Allstate | $1,288 | $107 | $2,882 | $240 |
| PEMCO | $1,356 | $113 | $3,496 | $291 |
| Safeco | $1,610 | $134 | $5,306 | $442 |
| USAA (military families)* | $514 | $43 | $1,130 | $94 |
| American Family* | $962 | $80 | $1,872 | $156 |
| Travelers* | $1,087 | $91 | $2,312 | $193 |
| Farmers* | $1,051 | $88 | $2,385 | $199 |
| Vancouver average | $1,167 | $97 | $3,041 | $253 |
This table uses Vancouver ZIP codes only. See how we calculated these rates.
Across the 11 Vancouver ZIP codes we price, full coverage for our driver ranges from about $245 a month in 98660 to $259 in 98682, a gap of $169 a year.
Lowest-priced Vancouver ZIP codes
Highest-priced Vancouver ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Vancouver’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 98660 | $1,095 | $91 | $2,934 | $245 | -3% |
| 98661 | $1,172 | $98 | $3,079 | $257 | +2% |
| 98662 | $1,206 | $101 | $3,054 | $255 | +1% |
| 98663 | $1,157 | $96 | $3,043 | $254 | About average |
| 98664 | $1,174 | $98 | $3,026 | $252 | About average |
| 98665 | $1,138 | $95 | $3,023 | $252 | About average |
| 98682 | $1,192 | $99 | $3,103 | $259 | +2% |
| 98683 | $1,179 | $98 | $3,043 | $254 | About average |
| 98684 | $1,187 | $99 | $3,065 | $255 | +1% |
| 98685 | $1,169 | $97 | $3,006 | $251 | -1% |
| 98686 | $1,168 | $97 | $3,076 | $256 | +1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $130 a year on average in our Vancouver data, with the same $500 deductibles. That’s about $11 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Vancouver ZIP codes, their full-coverage average fell from $3,274 a year in rates as of Nov. 30, 2025, to $3,214 as of Aug. 31, 2026, a 1.8% drop. State Farm cut its Vancouver average 9.0% and Progressive 5.4%, while PEMCO raised its average 1.0%, and Allstate and Safeco didn’t change theirs. GEICO isn’t in the November 2025 rates, so it’s left out, which is why these averages differ from the Vancouver average above. Liability-only coverage at 25/50/10 limits rose 6.8%, led by Progressive, which raised its liability-only average 33.0%.
Clark County averages about $250 a month for full coverage in our data, the fourth-most expensive of the 33 Washington counties we price. Nearby towns cost a little less: Camas averages about $240 a month, Ridgefield $241, Washougal $241 and Battle Ground $250.
Vancouver sits across the Columbia River from Portland, Oregon, but cars kept here are priced under Washington’s rules. Washington law lets insurers base rates on where you keep your car, so prices can change from one ZIP code to the next.
More Washington cities and towns are in the Washington rates by city table, and you can compare states on our car insurance rates by state page.
Seattle averages $292 a month, Tacoma $305 and Spokane $238. Oregon’s statewide average in our data is about $173 a month.
Drivers in Vancouver follow Washington’s rules. Every policy must include at least:
Insurers must also include underinsured motorist coverage, which in Washington covers uninsured and hit-and-run drivers too, and personal injury protection, unless you reject them in writing. Our Washington requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Washington law and the Washington Office of the Insurance Commissioner. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Vancouver averages about $253 a month ($3,041 a year) and liability-only coverage about $97 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Washington average of $254 a month.
State Farm has the lowest full-coverage average in our Vancouver rate data, at about $172 a month, with GEICO close behind at $181. For liability-only coverage, State Farm has the lowest average, at about $71 a month. USAA, American Family, Travelers and Farmers aren’t in the Quadrant rate data we analyze, but the published 2026 statewide Washington rate studies we reviewed most often rank GEICO cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Vancouver full coverage averages about $253 a month and Seattle about $292, a difference of about $39 a month for the same driver and car.
In our data, 98660 has the lowest full-coverage average in Vancouver, at about $245 a month, and 98682 the highest, at about $259. The ZIP code table on this page lists all 11.
In our Vancouver data, full coverage (100/300/100 with $500 deductibles) averages about $253 a month and liability-only coverage at 25/50/10 limits about $97, a difference of about $156 a month ($1,874 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO isn’t in the November 2025 rates), their Vancouver full-coverage average fell 1.8%, from about $3,274 to $3,214 a year. That’s higher than the Vancouver average of $3,041 because it leaves out GEICO. State Farm cut its Vancouver average 9.0% and Progressive 5.4%, while PEMCO raised its average 1.0%. Liability-only coverage at 25/50/10 limits rose 6.8%.
