The average cost of car insurance in Vancouver is $1,810, slightly higher than the Washington state average of $1,651. But drivers in Vancouver can save money on car insurance by shopping around before picking a policy.
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Policygenius makes it easy to compare rates from top car insurance companies so you can choose the coverage that’s best for you at a price you feel good about.
USAA offers the lowest rates in Vancouver at an average of $1,060 a year.
98664 is the Vancouver ZIP code with the lowest average car insurance rates.
Washington requires all drivers to have $25,000 per person/$50,000 per accident in bodily injury liability and $10,000 in property damage liability.
Your age, driving record, and the type of car you drive can all affect what you’ll pay for car insurance. But the company you choose will also affect what you’ll pay, which is why it’s so important to shop around and compare rates before picking a policy.
Rates can vary from one neighborhood to the next based on local factors like the number of accidents and claims, rates of car theft and vandalism, and even the average cost of car repairs.
There’s no one right company for every driver, so the only way to find the right car insurance company for you is to shop around and compare rates. Look for a company that offers you the best coverage at affordable rates.
Policygenius can help you see what you’ll pay for coverage from top car insurance companies, so you can feel confident you’re making the right choice.
Any accidents or violations on your driving history will mean higher car insurance rates, but some violations will lead to bigger increases than others.
Washington recently changed rules around car insurance companies and credit scores, so going forward, drivers with lower scores will no longer automatically pay more for car insurance.
However these changes may not already affect every driver, so some Vancouver drivers with bad credit may still be paying more for coverage.
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Washington requires all drivers to meet minimum coverage levels, although most drivers will need more than just the state minimums in order to be protected in case of an accident.
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $10,000
Shop around: Compare options from multiple companies before choosing a car insurance policy.
Know your discounts: You can save for things like paying your annual premium in full, being a good student, or switching to paperless.
Bundle coverage: Get more than one policy, like home and auto insurance, from the same company and save on both.
Reshop yearly: Shop around again before your policy renews each year to make sure you’re not missing out on a better deal.
Collision coverage pays for damage to your vehicle if you are at fault in an accident, or if no one else was involved, like if you backed into a pole. Comprehensive coverage pays for non-accident-related damage like from storms, floods, fire, vandalism, or animals.
It’s a good idea to check your coverage options before you renew your policy, since your coverage needs may have changed since you bought your car insurance. You should also shop around with other companies to make sure you’re not missing out on a deal somewhere else.
Young drivers should see lower rates when they turn 25, but that depends on driving record and when you got your license. It’s not an automatic price-drop, even though you are no longer considered part of a high-risk age group by 25.
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.