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Vern Fonk Insurance Review & Complaints: Home, Auto & Commercial Insurance

Vern Fonk Insurance offers home, auto, and commercial insurance policies in Washington and Oregon. Vern Fonk insurance quotes cater to high-risk drivers with SR-22 insurance looking to save money. Learn how the company earns their A+ rating with the Better Business Bureau in our Vern Fonk Insurance review.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 9, 2020

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Vern Fonk Insurance
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Flashy, funny, and taking a lighthearted approach to insurance, Vern Fonk offers SR-22 and other high-risk car insurance to drivers in Washington and Oregon, where they have 25 different locations. They are an independent agency brokering insurance through a number of different companies to provide a variety of other coverage in addition to auto insurance.

Vern Fonk Summary

Vern Fonk Insurance was founded in 1952 in Everett, Washington by the company’s namesake, Vern Fonk. The company’s goal is to provide insurance choices for both drivers with clean records as well as those who have troubled records including multiple tickets, accidents, and SR-22 insurance.

The company operates as an independent agency representing more than 20 different companies in both Oregon and Washington. Most of the auto insurance companies are smaller insurers specializing in high-risk drivers. Vern Fonk also provides access to homeowners, motorcycle, and commercial insurance.

Vern Fonk’s headquarters remains in Everett, WA, but they now have offices all over the two states that they serve. They provide online quoting to match each driver up with the insurance company and rate that will best fit their needs, although as an agent they are not a direct sales insurer.

The company is best known for off-the-wall television advertising that uses humor and satire to get attention.

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Insurance Products

Vern Fonk offers a range of different insurance products through several different companies.

Auto Insurance

Vern Fonk specializes in high-risk auto insurance, therefore they offer a lot of liability-only policies that cater to those who want the cheapest insurance possible on a budget.

They also write full coverage policies through a variety of different insurance companies; because the companies differ, the policy offerings and details will also differ.

Vern Fonk also specializes in SR-22 policies for drivers who are required to provide documentation of insurance, usually due a major violation or having been convicted of previously driving without insurance.

Vern Fonk writes both liability only and full coverage for motorcycles as well,

Finally, they also offer Broad Form Named Operator insurance that covers drivers of non-owned vehicles.

Home Insurance

Vern Fonk offers the following variety different types of home insurance. Again, these options are available through a variety of insurance companies.

  • Standard Homeowners
  • Mobile Home/RV
  • Renter’s
  • Condo/Townhouse
  • Landlord Insurance
  • Vacant Property
  • Farm and Ranch

Each individual insurance company determines what coverage they will offer, and so policies may differ from company to company.

Commercial Insurance

Vern Fonk provides quotes for a variety of commercial insurance policies through several insurance companies.

Commercial products include:

  • Business Insurance
  • General Liability
  • Commercial Auto
  • Contractor’s Insurance
  • Surety Bonds
  • Umbrella Insurance

Vern Fonk Rates

Vern Fonk does offer online quoting, however, because they represent many insurance companies, there is no one clear premium that we can use to compare Vern Fonk’s rates. That being said, its very likely that they will be able to offer some of the most competitive rates since they pull from a variety of underlying insurance companies.

Overall, people looking for high-risk insurance will probably see decent rates in that specific market. Good drivers, however, will best be served with a standard auto insurance carrier.


Vern Fonk does not actually write or administer any of the policies they sell, and thus have no part in the handling of claims.

They have a claims page on the website that simply directs the driver to the website of the company that handles their insurance, providing a list of the companies for which Vern Fonk sells policies.

Claims are handled entirely through the individual companies, although Vern Fonk representatives can point drivers in the right direction and may be able to assist with the initial filing to help out customers. They have do not have a say in how claims are processed or settled.

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Consumer Feedback

Vern Fonk has an A+ rating with the Better Business Bureau for their home office in Everett, WA. There is only one complaint against them in the past three years, the complaint is from 2015 and details are not provided.

This numbers and rating only reflect the home office, and as they have agencies across two states it’s important to note that customer service experiences can vary greatly from agent to agent.

With a mix of satisfied customers and people who have had issues with service, overall the impression is that Vern Fonk does make an effort towards a good customer service experience. This is in part evidenced by the fact that they take the time to respond to Yelp reviews, which shows that they are concerned about what people are saying in regards to the company.

Financial Strength

Rating Company Grade Financial Outlook
AM Best N/A N/A
Fitch N/A N/A

Bottom Line

Vern Fonk is not an insurance company, but rather an agency whose main business is in finding insurance for people who may have trouble qualifying for standard coverage. High-risk drivers may find them to be one of their few choices for finding coverage.

As an agency specializing in non-standard insurance, Vern Fonk is unlikely to find a competitive rate for a driver with a clean record – the companies they work with simply aren’t positioned that way. If you’re in need of SR-22 insurance or have been turned down elsewhere, Vern Fonk is well worth a shot; however, do not expect the best rates due to the nature of this type of insurance.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. Customer service is HORRIBLE. Went in circles for SIXTEEN days and finally got it canceled!

    I got insurance and paid for it on 7/23/19.

    When they email the documents to sign, my name was spelled wrong.

    So I called immediately stating that it’s spelled it wrong and I need updated documents.

    I talked to a rep and he said he would send it over.

    The next few days, I went on a vacation but checked my email constantly for updated documents. NONE.

    I called the following Monday and the rep said I needed to scan my ID and email it to them to change my name.

    WHY DIDN’T THEY SAY THAT LAST WEEK?? I sent them an email with my ID and called the next day to follow-up.

    I told the rep that my name is spelled wrong and he said I need to send an email of my ID.

    Obviously, I’m more upset because I already did that and there’s no communication on their end!!!!!!

    They looked through their email and found my email so they finally changed my name.

    That day I waited for an email but STILL NO DOCUMENTS sent to my email for me to sign.

    I waited an additional day and decided to just cancel my insurance altogether.

    I called again and they said I need to send a document with my name, policy, date, signature, and reason for canceling.

    I hang up and immediately type up the document and emailed it to them.

    I called the next day to confirm but the rep said I need to handwrite the letter.

    Why didn’t they say that the first time?!??!

    I quickly wrote my cancellation document, email it to them, and called an hour later to confirm they got it.

    They did and mention to call two days later because of processing.

    Today, 8/9/19, I call and they say oh you need to wait until Monday 8/12/19 for it to be finalized.

    It took SIXTEEN days and a lot of phone calls to change my name, to never receiving documents for me to sign, and to cancel my policy.


    With my name spelled wrong for half of the time and no insurance card sent to me at all, I would like my money fully refunded but with their horrible service.

    I just want to get away immediately and not have to deal with them anymore.

  2. If Vern Fonk is not an insurance company, then why are they referred to as “Vern Fonk Insurance”?

    Vern Fonk charged me a $450 brokerage fee, I did not agree to the terms and canceled.

    I found the same insurance through a local insurance provider without the extra $450.

    I am still waiting for my refund from Vern Fonk.

    The staff at Vern Fonk were rude and completely unhelpful which gives me the impression that, while their business is completely legal, it is somewhat of a de facto scam.

  3. Customer service In [Redacted] is in the toilets, not friendly or helpful at all. They got my hopes up on a lower insurance quote, then lied and said I have an accident in 2016 which I do not and I can prove it, so they tried to double my original quote, I’ll take my business elsewhere

  4. I’ve asked [Redacted] to remove all my information and quit contacting me 3 times!! She keeps emailing me!!! This company is so annoying and I wouldn’t recommend even getting a quote. They’ve contacted me several times after receiving the first quote. I was going to go with one of the quotes I received, but not anymore. This company kills me.

  5. Do not use this company! I canceled my policy with them and odd enough they had no record of the cancellation and will not reimburse my money for the 3 months they had charged me for. They won’t make their employees responsible for their mistakes. The customer pays for it!!!!!

  6. [Redacted] in the Everett office…
    Treated me like I was trash I will take my money elese where.
    I wish Rob was still around to see how this guy is treating customers…….

  7. Stay as far away from this company as possible!!!!!


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