Vancouver Car Insurance

The Zebra
May 30, 2018

Car Insurance in Vancouver

Vancouver has premiums that are relatively consistent with Washington's average, as they are within $46 of one another. Why don't we get started on how to save on car insurance in Vancouver?

  • City Average: $1,206
  • State Average: $1,160
  • National Average: $1,427

Vancouver Car Insurance by Gender and Marital Status

Car insurance premiums in Vancouver are influenced by gender and marital status. Premiums are more costly for women than for men. Women typically pay 2% more than men every year for insurance. Married individuals save an average of 4% per year compared to those who are single. Rates for those who are widowed are marginally cheaper than rates for those who are single.

  • Female: $1,230
  • Male: $1,206
  • Single: $1,206
  • Married: $1,155
  • Divorced: $1,206
  • Widowed: $1,186

Vancouver Car Insurance by Age

The greatest dip in premiums for Vancouver drivers happens when they hit their 20s. Once out of the teenage age range, individuals pay 67% less in premiums. While rates for drivers in Vancouver will continue to decrease through their 50s, they should expect an increase when they turn 60. Among all age groups, drivers in their 50s have the lowest insurance payments, with rates of $1,066. People in their 60s ($1,099) aren’t paying significantly more. Teenage drivers have the biggest premiums of any age group. They pay around $4,887 per year on car insurance premiums.

  • Teenagers: $4,887
  • 20s: $1,615
  • 30s: $1,184
  • 40s: $1,129
  • 50s: $1,066
  • 60s: $1,099
  • 70s: $1,388

Vancouver Car Insurance by Credit Rating

For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers will see the largest percent drop in premiums when they upgrade their credit from Very Good (740-799) to Exceptional (800-850). That change can save them 19% per year.

  • Very Poor: $2,287
  • Fair: $1,867
  • Good: $1,530
  • Very Good: $1,265
  • Exceptional: $1,025

Vancouver Car Insurance by Accident or Violation History

Maintaining a flawless driving record is important if you want to keep your premiums low. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Vancouver have rates $598 greater than the city average of $1,206. Reckless driving will push your premiums up as well, with average rates of $1,907! Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. If you are found at-fault in an accident in Vancouver, expect your yearly car insurance payments to increase by $383.

  • DUI: $1,804
  • Reckless Driving: $1,907
  • At-fault Accident (damages less than $1000): $1,589
  • At-fault Accident (damages greater than $2000): $1,589
  • Speeding Ticket (16-20 mph over speed limit): $1,419

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