Best Auto Insurance Rates in Vancouver, Washington

On average, your neighbors pay $73 a month.

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Thursday, January 10 2019 By QuoteWizard

While there are two Vancouvers in the Pacific Northwest, Vancouver, Washington was the first. It was founded in 1825, about 30 years before its Canadian counterpart. And, while Vancouver does have the C-TRAN, most residents still prefer to drive. And those that do will need affordable car insurance.

Average Vancouver Car Insurance Rates

How much is car insurance in Vancouver, WA? Insurance costs more here than it does in many other cities. Car thefts, accident frequency, and slick driving conditions year-round are some of the factors that make it so expensive to insure a vehicle in Vancouver. Vancouver car insurance rates are much higher than the state and national average.

The average cost of auto insurance in Washington is $884.24 per year. The national average cost is $889.01. Prices will vary depending on your driving history and the number of claims filed in your zip code.

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $590.00
Collision $257.24
Comprehensive $104.87
Total Cost Per Year $871.87
Price Per Month $72.65
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Washington's average auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $806 in 2011 to $884 in 2015, a jump of $78, or 9.70 percent.

Washington average car insurance rates

QuoteWizard helps consumers compare insurance quotes from both national carriers and local independent agents. Comparing quotes can help you find cheap car insurance rates near Vancouver and save up to 40% on your premium.

Last year, 5,728 people used QuoteWizard to get a car insurance quotes comparison in Vancouver, WA from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Vancouver, WA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Vancouver, Washington last year.

  1. State Farm
  2. GEICO
  3. Progressive
  4. Allstate
  5. Farmers
  6. American Family
  7. Safeco
  8. Nationwide
  9. Liberty Mutual
  10. Esurance

Other popular Vancouver car insurance companies: AIG, AAA, Country Financial, USAA, MetLife, Travelers, Pemco, and Washington Farm Bureau.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Vancouver, WA drivers requesting quotes through QuoteWizard last year.

  1. Ford Ranger
  2. Honda Accord EX/LX
  3. Ford F150
  4. Ford Explorer
  5. Toyota Prius
  6. Honda Civic DX/EX
  7. Ford Taurus SE
  8. Dodge Durango
  9. Ford Focus SE
  10. Ford Mustang

Minimum Car Insurance Requirements in Vancouver, WA

Vancouver, Washington has a minimum coverage requirement known as the 25/50/10 rule. This means each driver's policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurance carrier will pay for property damage caused by a car accident.

Vancouver Drivers

According to a recent report on safe driving published by Allstate Insurance, Vancouver ranks 144th out of 200 US cities in terms of driver safety. While most drivers in the US go ten years without being involved in an accident, drivers here are involved in crashes every 7.8 years.

Driving Conditions

Factors that can influence insurance rates are the weather and road conditions.

Weather

As is the case with so many cities in the Pacific Northwest, Vancouver receives its fair share of rainfall for much of the year. You can expect rain or some measurable precipitation almost any time between October and June with the lion's share falling between November and March. It doesn't snow a lot, but there are usually six or so snow days each winter. The biggest challenge during the winter months are freezing rainstorms, which can topple trees and create hazardous road conditions.

Road Conditions

Vancouver streets are fairly well maintained, but all that rain throughout the year and freezing temperatures in the winter create potholes and wear down the pavement.

Traffic Congestion

Rush hour can be a nightmare in Vancouver, especially if you work on the other side of the Columbia River in nearby Portland, Oregon. Backups can and do occur regularly and commuters spend many hours each year stuck in congestion on both sides of the river.

Moving Violations

Moving violations like speeding tickets, accidents, and drunk driving will give you a bad driving history. This will result in higher insurance rates. Drivers with the worst records are often asked to purchase expensive non-standard policies for high-risk drivers.

Traffic Tickets

The Clark County District Court website allows residents to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

DUI Arrests

Vancouver Police arrested 242 adults for suspicion of DUI in 2016.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with agents from top companies that specialize in Vancouver DUI insurance.

DWI Crashes and Injuries

Vancouver Police reported 250 crashes involving alcohol or drugs in 2018. These accidents caused 40 njuries and two fatalities.

Car Accident Statistics

Vancouver officials reported 1,984 car crashes in 2018. These crashes resulted in 218injuries, 65 of them serious.

Traffic Fatalities

Vancouver experienced ten motor vehicle crash fatalities in 2018. With Vancouver’s estimated population of 175,673, this works out to a fatality rate of 0.60 per 100,000 residents. By US standards, this is a safe city in terms of traffic fatalities.

Vehicle Theft Rates

Vancouver, WA Police reported 1,064 motor vehicle thefts in 2017. This is a rate of 6.06 thefts per 1,000 residents. This is more than double the US auto theft rate of 2.37 per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the car insurance discounts available to drivers in Vancouver, WA.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling your cars and insurance policies together could save you as much as 15%
  2. Safe driver. If you have a perfect driving record, you may qualify for the accident free discount.
  3. Drive less. Live close to work and get the low mileage discount
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. Get married. Some insurers offer a discount to married drivers
  6. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts)

Sources:

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