Vancouver, Washington Car Insurance
A new kind of car insurance in the Evergreen State.
Spinning your wheels trying to get the best car insurance rates in Vancouver, Washington?
In Washington, Lemonade driversâ premiums are calculated based on how many miles they actually drive, along with other factors. So if youâre mainly hopping behind the wheel to pop over to Thatcher’s coffee for a large cold brew, or for the occasional day trip to Vancouver Lake Regional Park, Lemonade Car might be a great fit.
The last thing you want to do is randomly pick a car insurance provider and hope for the best. Or worse, drive without enough coverage and pray you wonât get into a car accident.
You can drive with confidence in Vancouver knowing youâre covered with Lemonade Car.
Insurance requirements and limitations in Vancouver are determined by the state of Washington. But donât sweat the details. When you apply for Lemonade Car, weâll automatically get you hooked up with the car insurance coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.
What car insurance coverage is required in Vancouver, WA?
The state of Washington requires all Vancouver drivers to have car insurance.
Letâs run through some basics first. Remember: A âlimitâ on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.
For example, Washington drivers are required to have a minimum of $25,000/$50,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)
To comply with Washingtonâs car insurance coverage requirements, Vancouver drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for Washington drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $25,000/50,000 |
| Property damage liability coverage | $10,000 |
Keep in mind: Your levels of bodily injury and property damage liability coverage donât have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.
Additional coverages available to Vancouver drivers
Vancouver drivers who drive with Lemonade Car can (and arguably should) add the following coverages to their auto insurance policy to boost their protection behind the wheel.
| What add-on coverages does Lemonade Car offer? | What can it help pay for? |
|---|---|
| Collision coverage | To repair or replace your own car if itâs damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on). |
| Comprehensive coverage | To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didnât involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, vandalism, theft, and so on). |
| Uninsured/underinsured driver bodily injury coverage (UMBI) | Medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. |
| Uninsured/underinsured motorist property damage coverage (UMPD) | To repair or replace your own car if you get into a car accident with an uninsured or underinsured driver. |
| Personal Injury Protection (aka PIP) | Medical expenses for you or a passenger in your car after a crashâ like ambulance fees, hospital visits, and health insurance co-pays, a percentage of your lost wages as a result of your injuries, or for funeral services (in a worst case scenario). Usually doesnât have a deductible. |
| Temporary transportation coverage | Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised. |
| Roadside assistance | Towing and other emergency roadside servicesâlike lockout services, flat tire replacement, jumpstarts for dead batteries, fuel delivery, winching, and battery service if your car breaks down. |
Want to dive into the nitty-gritty of what Washington car insurance has to offer? Get the full scoop on car insurance in Washington.
How much does Lemonade Car insurance cost in Vancouver?
Well, that depends.
Your car insurance premium price is based on a number of factorsâincluding the car you drive, the coverages you include, and their limits and deductibles.
But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when youâre building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price and average cost for your car insurance policy.
When you buy a Lemonade Car policy in Washington, you determine how much you spend each month based on how many miles you actually drive, making Lemonade especially ideal for the low-mileage driver.
Each month youâll pay a different price; itâs a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesnât change.
The right car insurance combines the coverage you need with auto insurance rates and deductibles you can afford. Thatâs why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just rightâand fits your budget. Learn more about the cost of insurance at Lemonade Car and more ways you can lower the cost of your rates.
The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website.
Click below to get your car insurance quote in Vancouver.
Other ways of getting around Vancouver, Washington
Lemonade Car in Vancouver was really designed to shine for low-mileage, safe, and environmentally-conscious drivers. Since your monthly mileage determines your premium, the less you drive the more youâll save.
We get it, cars can be a major convenience, but sometimes itâs just quicker and cheaper (not to mention better for the planet) to find an alternative.
Vancouver is well-served by C-TRAN, providing numerous bus stops throughout the city. Recently, Vancouver introduced The Vine, a Bus Rapid Transit system, which currently has two operating lines and a third on the way, estimated to begin service in 2027. The Vine offers faster, more reliable service with dedicated lanes and priority signals.
This new system makes commuting easier and more efficient for residents and visitors alike. For those looking to explore the city or get to work quickly, The Vine is an excellent option. You can find a schedule and map of stops for the Green Line and the Red Line.
Best day trips in Vancouver
Looking to get out of the city for just an afternoon? Luckily, Vancouver is surrounded by tons of natural beauty perfect for a day in nature. Buckle up: These quick road trips might satisfy your wanderlust for the open air without getting too far from The âCouve.
Columbia River Gorge
Visiting the Columbia River Gorge is a wonderful journey that takes just about 30 minutes by car from Vancouver. ââThis scenic route offers breathtaking views of the river, forests, and waterfalls, including highlights like Multnomah Falls and Beacon Rock. Perfect for a day trip, the gorge provides excellent opportunities for hiking, biking, and sightseeing in one of the Pacific Northwest’s most stunning landscapes.
Moulton Falls
A short 45-minute drive northeast of Vancouver is the breathtaking Moulton Falls. This picturesque park offers stunning views of the waterfalls, lush greenery, and scenic trails perfect for hiking and picnicking. The serene setting along the East Fork of the Lewis River makes it an ideal spot for a peaceful day trip away from the city.
Mount Saint Helens
If youâre up for a longer journey, visiting Mount St. Helens from Vancouver, WA, is an approximately 1.5-hour drive north. This iconic volcano offers dramatic landscapes, educational visitor centers, and numerous hiking trails that showcase the area’s natural recovery since the 1980 eruption. The Johnston Ridge Observatory provides stunning views of the crater and a deep insight into the mountain’s history, making it a fascinating and memorable day trip.
Parking in Vancouver
Driving to your destination is only half the battle; finding a place to park can be a real challenge. Fortunately, the City of Vancouver has made parking easy with online resources to help you plan this crucial part of your journey. For a full overview of parking locations, you can utilize the Cityâs Parking Services Map.
On-street parking
Parking on the street is enforced Monday through Friday from 8 AM to 6 PM but is free after 6 PM on weekdays, on weekends, and on certain public holidays. The average fee is $1.75/hour, with the Waterfront District Fee set at $2.50/hour. All parking meters and pay stations accept coins, and the pay stations accept debit, Visa, or Mastercard.
Off-street parking
Vancouver offers three surface parking lots for residents, all requiring monthly permits costing between $95 and $110. Additionally, the Parkân Go garage offers monthly permits ranging from $115 to $130. If you prefer, you can also pay hourly rates at the garage, which are $1.75 per hour or $17.50 for the whole day.
Before we drive off into the sunsetâŠ
Vancouver drivers, we canât wait for you to take Lemonade Car for a spin. Hereâs hoping you never get stuck in rush hour traffic!
Lemonade offers top-of-the-line coverage and trunk loads of discountsâplus opportunities to make the road (and the world around us) a better place.
Our great coverage and super fast claims resolution donât stop at Lemonade Car, though. Did you know that we also offer renters, pet, and life Insurance? Not only could you be eligible for our bundling discounts, you can also manage each of your Lemonade policies through the same app you use for Lemonade Car.
Letâs drive.
