Vancouver, WA Car Insurance

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How much is auto insurance in Vancouver?

 

The average cost of auto insurance in Vancouver is $1,420 per year. That's more than the average across Washington ($1,368) and less expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Vancouver.

 
AUTO INSURANCE COSTS: VANCOUVER VS. STATE AND US AVERAGES
Vancouver Average (per year)Washington AverageNational Average
$1,420$1,368$1,548
 
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Vancouver car insurance premiums 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 car insurance quotes to match your driving profile.

 
VANCOUVER AUTO INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
USAA$928
PEMCO Insurance$939
State Farm$1,295
Progressive$1,355
Allstate$1,799
 

Consult our expert guide to finding the best cheap car insurance.

 
 

 

Vancouver auto insurance premiums by age

Vancouver drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,252per year, on average. Drivers in their age_60s pay marginally higher rates — $1,305 per year.

Young 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.

 
CAR INSURANCE RATES BY AGE TIER IN VANCOUVER
AgeAverage Yearly Rate
Teenagers$6,314
20s$1,913
30s$1,389
40s$1,314
50s$1,252
60s$1,305
70s$1,671
 

Learn more about how age influences auto insurance rates.

 
 

 

Vancouver car insurance rates by gender and marital status

 

Marital status and gender can be contributors to car insurance rates, in some cases. In Vancouver, married drivers pay $66 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Vancouver, widowed drivers pay less than those who are single.

Gender is another factor that can affect car insurance rates. In Vancouver, female drivers pay $39 per year more than do male drivers.

 
VANCOUVER AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,459
Male$1,420
Single$1,355
Married$1,355
Divorced$1,420
Widowed$1,397
 

Learn more about the impact gender and marital status have on insurance rates.

 
 

 

Vancouver auto insurance premiums by incident history

 

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.

 
AVERAGE VANCOUVER INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Rate
DUI/DWI$2,052
Reckless Driving$2,020
At-fault Accident (damages less than $1,000)$1,941
At-fault Accident (damages > $2,000)$2,107
Speeding Ticket (16-20 mph over speed limit)$1,734
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Vancouver auto insurance premiums by credit level

 

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 $1,115 decrease in yearly insurance premiums.

 
VANCOUVER CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit TierAverage Annual Rate
Very Poor$2,853
Fair$1,739
Good$1,420
Very Good$1,276
Exceptional$1,131
 

Learn more about the relationship between poor credit and car insurance.

 
 

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.