best car indemnity vancouver
2022
The Cheapest and Best Car Insurance in Vancouver
The Cheapest Car Insurance Companies in Vancouver
The follow companies are the top options for drivers looking for cheap full coverage car insurance in Vancouver :
- PEMCO: $705 per year
- GEICO: $789 per year
USAA has the most low-cost annual median rate at $ 585, but it ’ s entirely available to drivers who are veterans or stream members of the military and their immediate families. MetLife has the most expensive average premiums at $ 2,450 per year, equitable over 247 % more than PEMCO. These prices are average rates for entire coverage policies, which include both comprehensive examination and collision policy. The actual annual agio depends on the liability limits you select .
Cheapest Car Insurance in Vancouver
Full Coverage 100/300/100
- ship’s company 100/300/100
per year
- 1 .USAA
$585
- 2. PEMCO
$705
- 3 .GEICO
$789
- 4 .State Farm
$821
- 5 .Progressive
$828
- 6 .Allstate
$1,025
- 7 .Travelers
$1,050
- 8. Allied
$1,058
- 9 .American Family
$1,146
- 10 .Farmers
$1,545
- 11 .MetLife
$2,450
Following Moneygeek ’ randomness methodology, the average cable car insurance rates used for this analysis are for a 40-year-old male driver in Vancouver with a full coverage policy. While entire coverage policies cost more than minimum coverage, they add comprehensive examination and collision indemnity to state minimum coverage requirements. That means you get auspices against potential expenses if your car gets damaged in a collision. however, liability-only or state minimum car indemnity may be the better option if you have an older car. That ’ mho because, with full moon coverage, you may end up paying more in premiums than the replacement value of your vehicle .
Compare Car Insurance Rates in Vancouver
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Cheapest Car Insurance in Vancouver for Minimum Coverage
Buying a policy that only meets the submit minimum coverage requirements is the most low-cost option for Vancouver drivers. The cheapest companies in the city for this coverage are :
- Progressive: $385 per year
- PEMCO: $410 per year
USAA has the most low-cost policies, averaging $ 300 per year. however, cable car policy from USAA is only available to military families. At $ 1,473 per annum, MetLife is the most expensive company in Vancouver for minimum coverage, costing $ 1,088 more than Progressive. A express minimum policy is the most low-cost option, but it has low levels of liability coverage and doesn ’ t include comprehensive and collision indemnity. That means you risk not being amply covered. Check the mesa below to see how rates change as liability coverage increases .
Cheapest Minimum Liability Car Insurance in Vancouver
department of state Minimum
- company State Minimum
per year
- 1 .USAA
$300
- 2 .Progressive
$385
- 3. PEMCO
$410
- 4 .GEICO
$434
- 5 .State Farm
$434
- 6 .Travelers
$621
- 7 .American Family
$630
- 8. Allied
$634
- 9 .Allstate
$638
- 10 .Farmers
$888
- 11 .MetLife
$1,473
A policy that lone meets Washington ’ s minimum liability requirements is the cheapest policy for Vancouver drivers. however, at 25/50/10, it besides offers the least protection as it only covers bodily injury and property damage indebtedness. For example, if you ’ re in an at-fault accident that leads to a total of $ 20,000 deserving of property price, you ’ d have to pay $ 10,000 out of pocket because the state minimum covers merely up to $ 10,000 for property wrong liability per accident .
Washington Minimum Liability Requirements
- item description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 10,000 for property damage. A more protective level is 100/300/100 .
Cheapest Car Insurance in Vancouver if You Have Driving Violations
traffic violations, such as at-fault accidents, DUIs and speeding tickets, can increase your car policy costs. The cheapest indemnity providers for Vancouver drivers with a violation are :
- Cheapest after a ticket: GEICO, $789 per year
- Cheapest after an at-fault accident: PEMCO, $953 per year
- Cheapest after a DUI: State Farm, $897 per year
If you ’ re a extremity of the military, USAA offers the cheapest average annual rates after a speed ticket ( $ 683 ) and an at-fault accident ( $ 825 ). Vancouver drivers with regretful records can improve their driving history over time and see their premiums decrease accordingly. In the interim, the best way to find low-cost insurance after a misdemeanor is to shop around .
Cheapest Car Insurance in Vancouver With a Violation
Speeding ticket
- company Speeding Ticket
per year
- 1 .USAA
$683
- 2 .GEICO
$789
- 3. PEMCO
$870
- 4 .State Farm
$897
- 5 .Allstate
$1,122
- 6 .Progressive
$1,174
- 7. Allied
$1,214
- 8 .Travelers
$1,411
- 9 .American Family
$1,626
- 10 .Farmers
$2,025
- 11 .MetLife
$2,529
Average Cost of Car Insurance in Vancouver
Vancouver
$1,142
Washington
$1,264
U.S.
$1,424
The typical 40-year-old Vancouver driver with a beneficial drive phonograph record pays an average of $ 1,142 per annum for car insurance. This is slightly lower than the $ 1,264 median annual rate across the country of Washington. Compared to the average annually car policy premium in the United States, Vancouver rates are 19.8 % lower.
Personalized Quotes to Get You the Cheapest Car Insurance in Vancouver
car insurance rates provided on this web site are modal rates for the distinctive Vancouver driver. Actual premiums will depend on several factors that vary with each driver. One significant antigenic determinant is your personal drive record. A traffic ticket or DUI may raise your premiums well, while your old age and credit rating score may help you procure discounts. You will need to request and compare personalized insurance quotes to get the best car indemnity package for your budget and requirements .
Compare Car Insurance Rates in Vancouver
see you ‘re getting the best rate for your car insurance. Compare quotes from the top policy companies. widget-location-pin
The Best Car Insurance Companies in Vancouver
MoneyGeek ranked the top indemnity companies in Vancouver to help find the best options for drivers who value both affordability and quality service. The top two insurers in the city for most drivers are :
- Hartford: MoneyGeek score of 93 out of 100
- GEICO: MoneyGeek score of 85 out of 100
Although USAA received the highest fink in Vancouver, it wasn ’ deoxythymidine monophosphate listed as best overall because its policies are only available to military members, veterans, and the spouses and children of USAA policyholders. To calculate these scores, MoneyGeek assessed assorted factors such as affordability, fiscal stability and user satisfaction ratings. We besides reviewed data from a count of resources, including data analytics and consumer intelligence company J.D. Power .
1
USAA
grade :
100
5/5
Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
Hartford
score :
92.5
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 3
GEICO
score :
85
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 4
Allstate
grudge :
82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 5
American Family
score :
80
3/5 Affordability 2/5 Claims Ratings 4/5 User Satisfaction A fiscal constancy 6
State Farm
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 7
Farmers
grudge :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 8
Progressive
grudge :
80
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 9
Safeco
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 10
Liberty Mutual
grudge :
77.5
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 11
Nationwide
seduce :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
Average Cost of Car Insurance by Postal Code
car indemnity rates in the United States can vary between cities and ZIP codes. The dispute depends on several identify factors such as crime rates, frequency of accidents and the rate of uninsured motorists. In Vancouver, there is minimal difference between ZIP codes. Drivers in ZIP code 98682 give the city ’ s cheapest modal rate of $ 1,136, while drivers in the 98661 neighborhood pay roughly $ 11 more on modal .
- Zip Code State Minimum
per year
- 98682
$1,136
- 98661
$1,147
Factors That Impact Insurance Costs in Vancouver
In summation to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of fateful accidents besides contribute to car insurance rates in Vancouver. How vancouver ranks compared to the 300 most populous cities in the United States can have a significant affect on premium costs .
Most Accidents With Fatalities
168th
/ 300
Most car Thefts
272nd
/ 300
Most uninsured Motorists by State
7th
/ 50
personal Injury Protection Required No
Most annual rain
157th
/ 300
Most showery Days
13th
/ 300
Methodology and Assumptions
MoneyGeek ’ s average premium rates for Vancouver are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The median driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, localization and drive record. Learn more about MoneyGeek ’ randomness data and methodology here. About the writer
Mark Fitzpatrick is a senior content director with MoneyGeek specializing in policy. Mark has years of experience analyzing the indemnity marketplace and creating original research and capacity. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .