Table of contents
How much is car insurance in Vancouver?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Vancouver | $76 |
| WA | $75 |
| United States | $80 |
Based on the chart above, you can see that car insurance rates in Vancouver are in line with rates across the rest of Washington.
On the flip side, car insurance rates in Vancouver are more affordable than the national average. The average monthly payment in Vancouver is about $4 less than the rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Vancouver, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Vancouver residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | $130 |
| 18-24 | $124 |
| 25-34 | $68 |
| 35-44 | $68 |
| 45-54 | $59 |
| 55-64 | $55 |
| 65+ | $55 |
Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates begin to go back up in Vancouver.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $80 |
| Female | $73 |
In general, women pay slightly less for car insurance than men. The difference in Vancouver is around $7 a month. As you can see in the table above, female drivers in the area typically pay $73 on average, while female drivers typically pay $80 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $102 |
| Multiple Accidents | $154 |
| 1 Ticket | $122 |
| Multiple Tickets | $114 |
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Vancouver with a single accident on their record will usually see rates around $102 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $122 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $66 |
| 2-3 Years | $79 |
| 4-5 Years | $65 |
| 6-7 Years | $77 |
| 8-10 Years | $74 |
| 11-14 Years | $76 |
| 15 Years or Older | $79 |
According to the first table above, the cheapest vehicles to insure in Vancouver are usually trucks and vans, at $64 per month.
Car owners, on the other hand, by and large pay around $79 per month, while SUV drivers can expect to pay about $73 a month for insurance coverage.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Vancouver, vehicles fifteen years and older and two-to-three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $83 |
| Married | $59 |
| Divorced | $62 |
| Widowed | $54 |
On average, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The cost of auto insurance in Vancouver reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $24 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $61 |
| Rent | $76 |
| Live with parents | $123 |
One other element taken into consideration is your housing status. In Vancouver, homeowners can expect to pay around $15 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Vancouver, WA
Recent trends in car insurance for Vancouver drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
Car insurance rates in Vancouver had been increasing from 2016-2017, before leveling out in 2018. They finished down in 2021, at $70 per month
How does Vancouver compare to neighboring areas?
Why are car insurance rates in Vancouver different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Amount of drivers in the area
- Number of car accidents
- Off-street parking access
- Community laws
- Area crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Vancouver?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Vancouver in no time.
Vancouver Insurance FAQs
What factors affect car insurance quotes in Vancouver?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Vancouver different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Vancouver or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.