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How much is car insurance in Vancouver?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Vancouver are slightly more expensive than the rest of Washington.
When stacked up against the national average, the average monthly policy payment for Vancouver is more affordable. The average monthly payment in Vancouver is about $4 cheaper than the rate for the rest of the United States.
Bear in mind that while these rates represent the expected monthly payments for Vancouver drivers, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've broken down average rates for Vancouver to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $68 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates begin to increase again in Vancouver.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Vancouver, this difference shakes out to about $7 per month. As illustrated in the table above, female drivers in the area pay about $74 on average, while male drivers pay around $81 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Vancouver with a single accident on their record will usually see rates around $100 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $98.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$77|
According to the first table above, the cheapest vehicles to insure in Vancouver are usually trucks and vans, at $68 per month.
Car owners, on the other hand, by and large pay around $80 a month, while SUV drivers can expect to pay about $75 per month for insurance.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Vancouver, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$84|
Generally, people who are married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Vancouver is no exception, with the difference totaling to around $25 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $17 a month more than if you own your own home in Vancouver. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Vancouver, WA
Recent trends in car insurance for Vancouver drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of auto insurance in Vancouver went up from 2020-2021, before steadying out in 2022. Car insurance rates finished down in 2022, at $62 a month
How does Vancouver compare to neighboring areas?
Why are car insurance rates in Vancouver different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Crime rates
- Number of drivers in the region
- Availability of off-street parking
- Number of car accidents
- Area regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Vancouver?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Vancouver.
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Vancouver Insurance FAQs
What factors affect car insurance quotes in Vancouver?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Vancouver different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Vancouver?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Vancouver?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Vancouver or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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