Vern Fonk Car Insurance Review & Ratings (2022)

If you need high-risk car insurance, you may want to consider Vern Fonk. Vern Fonk offers car insurance — along with other types of insurance coverage — in Oregon, Idaho, and Washington State. You can get quotes on the company’s website or call to speak to an insurance agent for more information. Vern Fonk has a D- rating with the Better Business Bureau, and there is not a lot of information online when it comes to company ratings or car insurance rates.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 20, 2022

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The Rundown

  • The Vern Fonk Insurance Company offers cheap car insurance rates to residents of Washington, Oregon, and Idaho
  • Vern Fonk’s most popular type of car insurance is for high-risk drivers seeking to meet their state’s minimum requirements for coverage
  • Vern Fonk Insurance Services Inc. has a D- rating with the Better Business Bureau

While most of us are familiar with the bigger names in car insurance — like Nationwide, State Farm, and GEICO — there are many smaller companies out there.

One of these smaller car insurance companies is Vern Fonk.

The Vern Fonk car insurance company — which actually sells a number of insurance products such as car, homeowners, and even health insurance — aims at selling cheap car insurance to residents of Washington, Oregon, and Idaho.

The company, though small compared to some of the more popular car insurance companies, is very well-known in these three states for its silly and compelling commercials and captivating founder.

If you are looking for car insurance coverage in Washington, Oregon, or Idaho, you may want to consider comparing Vern Fonk car insurance rates with rates from other companies in your area.

The best way to compare Vern Fonk car insurance quotes is to use a tool that offers free insurance quotes online and will also compare quotes from multiple companies at once.

Before you buy Vern Fonk car insurance, be sure to use our free quote tool above to find the best car insurance rates in your area today.

What types of car insurance does Vern Fonk offer?

Though Vern Fonk claims to offer cheap car insurance coverage to its policyholders, the company is actually most well-known for its non-standard coverage offered to high-risk drivers.

If you are not a high-risk driver but you’re still interested in Vern Fonk, the company does offer additional coverage options when it comes to car insurance.

Here is the full list of auto insurance options offered by Vern Fonk from the company’s website:

  • Property damage liability
  • Bodily injury protection
  • Uninsured motorist bodily injury
  • Uninsured motorist property damage
  • Personal injury protection
  • Collision
  • Comprehensive
  • Towing and labor
  • Rental car reimbursement

You could also be eligible for Vern Fonk’s form of broad insurance coverage, depending on the type of insurance you’re looking for.

You can look into options for Vern Fonk broad form insurance or do some research online to see which other companies offer additional broad form coverage.

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Do I need high-risk car insurance with Vern Fonk?

Depending on your driving history, you may be in need of car insurance for high-risk drivers. If that’s the case, then Vern Fonk is a company you may be interested in.

A high-risk car insurance policy with Vern Fonk will likely only cover liability — or whatever it is your state requires when it comes to minimum coverage — but will actually cost more than the average liability policy because of the non-standard status.

If you’re wondering whether you are in need of non-standard or high-risk car insurance coverage, the answer lies in your classification as a driver. You are either a preferred driver, a standard driver, or a non-standard driver.

Things that might land you in the non-standard category include a DUI or DWI, having to file an SR-22 form with your state, getting a lot of points on your driver’s license, or filing a few car accident claims.

High-risk drivers often find it more difficult to locate car insurance companies willing to offer them coverage, so companies like Vern Fonk are sometimes a breath of fresh air.

Does Vern Fonk offer competitive insurance rates?

Vern Fonk may be able to offer you competitive rates when it comes to car insurance coverage.

If you need high-risk car insurance, you can expect to pay a higher-than-average cost when it comes to car insurance rates. The table below shows average annual car insurance rates with different companies in Idaho, Oregon, and Washington State.

Average Car Insurance Rates in Idaho, Oregon, and Washington

StateAverage by StateAllstateAmerican FamilyFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19-$1,867.96$3,226.29$1,877.61
Oregon$3,467.77$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78-$2,262.16
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Depending on the level of coverage you want as a high-risk driver, you can expect your car insurance rates to be close to your state’s annual average, if not a bit more expensive.

Does Vern Fonk have strong ratings?

Unfortunately, Vern Fonk does not have much of an online presence when it comes to ratings for financial strength or customer service, and what it does have is not positive.

Vern Fonk Insurance Services Inc. currently has a D- rating with the Better Business Bureau. The BBB also shows that the company has one star out of five for customer reviews.

It’s probably best not to write this company off completely because of poor BBB ratings, but you should definitely consider this before purchasing a car insurance policy with Vern Fonk.

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Is it simple to file a claim with Vern Fonk?

Vern Fonk’s website does include a claims page that allows policyholders to use their Vern Fonk login to access information about their individual policies.

In order to file a claim, you will probably need to call the Vern Fonk insurance claims phone number and speak to a representative who will tell you what you need to do next.

Should I buy car insurance with Vern Fonk?

If you need high-risk coverage, you can consider Vern Fonk as an option. But you should never buy insurance from a company before assessing quotes from competitors.

You may be able to find affordable Vern Fonk car insurance, but that doesn’t mean you won’t be able to get a better deal with a different company.

Be sure to shop around online to find the best car insurance coverage with the cheapest rates in your area.

In fact, you can use our free quote tool below to compare quotes from multiple companies online before going with Vern Fonk.

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