Compare Tacoma, WA Car Insurance Rates (2021)

Car insurance in Tacoma, WA averages $309 a month. Tacoma, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Tacoma car insurance rates, compare quotes from the top car insurance companies in Tacoma, WA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Tacoma is Nationwide
  • Average car insurance rates in Tacoma, WA after a DUI are $4,316/year
  • The cheapest car insurance company in Tacoma for teen drivers is Nationwide

If you need to buy Tacoma, Washington car insurance, the options can be confusing. Everything you need to know about car insurance in Tacoma, WA is right here.

You’ll find Tacoma car insurance rates, the cheapest Tacoma, WA car insurance companies, and information on Washington car insurance laws. You can also compare Tacoma, Washington car insurance rates to Everett car insurance rates, Tacoma car insurance rates, and Kent car insurance rates.

Ready to find affordable Tacoma, WA car insurance today? Enter your ZIP code for fast, free Tacoma car insurance quotes.

Cheapest Tacoma, WA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Tacoma, WA car insurance rates? Every Tacoma, Washington car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Tacoma, Washington

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,631 $2,590 $2,434 $2,561 $9,898 $11,503 $2,790 $2,891
American Family $2,273 $2,273 $2,078 $2,078 $8,677 $11,804 $2,273 $3,026
Farmers $2,675 $2,747 $2,448 $2,783 $6,180 $6,645 $3,377 $3,496
GEICO $2,088 $2,124 $1,957 $1,957 $4,567 $5,945 $3,543 $2,563
Liberty Mutual $2,198 $2,407 $1,970 $2,325 $12,427 $13,637 $2,345 $2,548
Nationwide $1,677 $1,713 $1,561 $1,623 $4,617 $5,597 $2,012 $2,166
Progressive $1,820 $1,693 $1,643 $1,662 $9,285 $10,393 $2,169 $2,147
State Farm $2,116 $2,116 $1,910 $1,910 $6,191 $7,823 $2,410 $2,765
USAA $1,299 $1,280 $1,256 $1,255 $5,795 $6,832 $1,650 $1,809

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Minimum Car Insurance in Tacoma, WA

Every driver must carry the minimum car insurance in Tacoma, WA. Take a look at the Washington car insurance requirements.

Minimum Required Car Insurance Coverage in Tacoma, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Tacoma, WA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Tacoma, WA. Compare credit history car insurance rates in Tacoma from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Tacoma, Washington

Insurance Company Poor Fair Good
Allstate $5,762 $4,430 $3,794
American Family $5,084 $4,155 $3,691
Farmers $4,614 $3,505 $3,263
GEICO $3,682 $2,946 $2,652
Liberty Mutual $7,125 $4,386 $3,435
Nationwide $3,125 $2,449 $2,289
Progressive $4,238 $3,787 $3,530
State Farm $4,942 $2,967 $2,307
USAA $3,340 $2,448 $2,153

Cheapest Tacoma, WA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Tacoma, WA to rates for a clean record with top companies.

Annual Tacoma, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,878 $4,918 $5,481 $4,372
American Family $3,452 $4,428 $5,124 $4,237
Farmers $3,141 $3,918 $4,210 $3,907
GEICO $2,395 $3,053 $4,529 $2,395
Liberty Mutual $4,244 $5,362 $5,459 $4,863
Nationwide $2,038 $2,758 $3,459 $2,228
Progressive $3,115 $4,897 $3,633 $3,761
State Farm $3,090 $3,720 $3,405 $3,405
USAA $1,938 $2,818 $3,539 $2,293

Cheapest Tacoma, WA Car Insurance for Teen Drivers

Teen car insurance in Tacoma, WA can be expensive. Take a look at rates from the top car insurance companies in Tacoma for teenagers.

Annual Car Insurance Rates for Teen Drivers in Tacoma, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,898 $11,503
American Family $8,677 $11,804
Farmers $6,180 $6,645
GEICO $4,567 $5,945
Liberty Mutual $12,427 $13,637
Nationwide $4,617 $5,597
Progressive $9,285 $10,393
State Farm $6,191 $7,823
USAA $5,795 $6,832

Cheapest Tacoma, WA Car Insurance for Seniors

Take a look at Tacoma, WA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Tacoma, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,434 $2,561
American Family $2,078 $2,078
Farmers $2,448 $2,783
GEICO $1,957 $1,957
Liberty Mutual $1,970 $2,325
Nationwide $1,561 $1,623
Progressive $1,643 $1,662
State Farm $1,910 $1,910
USAA $1,256 $1,255

Cheapest Tacoma, WA Car Insurance Rates After a DUI

A DUI in Tacoma, WA increases car insurance rates. Compare Tacoma, Washington DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Tacoma, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,481
American Family $5,124
Farmers $4,210
GEICO $4,529
Liberty Mutual $5,459
Nationwide $3,459
Progressive $3,633
State Farm $3,405
USAA $3,539

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Cheapest Tacoma, WA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Tacoma, WA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Tacoma, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,662 $4,662
American Family $4,223 $4,397
Farmers $3,794 $3,794
GEICO $3,054 $3,132
Liberty Mutual $4,982 $4,982
Nationwide $2,621 $2,621
Progressive $3,851 $3,851
State Farm $3,310 $3,500
USAA $2,621 $2,673

Cheapest Tacoma, WA Car Insurance Rates by ZIP Code

Tacoma car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Tacoma, WA.

Annual Car Insurance Rates by ZIP Code in Tacoma, Washington

ZIP Code Average Annual Rates
98402 $3,720
98403 $3,614
98404 $3,906
98405 $3,722
98406 $3,623
98407 $3,625
98408 $3,846
98409 $3,782
98413 $3,676
98416 $3,588
98418 $3,763
98421 $3,764
98422 $3,781
98447 $3,850
98465 $3,689
98466 $3,603
98467 $3,616

The Best Cheap Car Insurance Companies in Tacoma, WA

Take a look at a side-by-side comparison of the top car insurance companies in Tacoma, WA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Tacoma, Washington

Insurance Company Average Annual Rates
Allstate $4,662
American Family $4,310
Farmers $3,794
GEICO $3,093
Liberty Mutual $4,982
Nationwide $2,621
Progressive $3,851
State Farm $3,405
USAA $2,647

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Category Winners: Cheapest Car Insurance in Tacoma, Washington

Find the cheapest car insurance companies in Tacoma, WA for each category right here.

Best Annual Car Insurance Rates by Company in Tacoma, Washington

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

Cheapest Tacoma, WA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Tacoma car insurance rates. Find the cheapest Tacoma, WA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Tacoma, Washington

Insurance Company Low Medium High
Allstate $4,369 $4,647 $4,971
American Family $4,060 $4,305 $4,566
Farmers $3,519 $3,796 $4,067
GEICO $2,876 $3,094 $3,309
Liberty Mutual $4,647 $4,992 $5,308
Nationwide $2,464 $2,620 $2,779
Progressive $3,449 $3,736 $4,369
State Farm $3,155 $3,421 $3,639
USAA $2,467 $2,647 $2,828

What affects car insurance rates in Tacoma, Washington?

What factors can have an impact on Tacoma, WA car insurance? There are several reasons why Tacoma car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Tacoma, Washington.

Car Theft in Tacoma

High levels of vehicle theft can make car insurance more expensive. Tacoma, WA car theft statistics from the FBI indicate 1,877 vehicle thefts a year.

Commute Time in Tacoma

The more time you spend in your car the higher the risk of an accident. The average commute length in Tacoma, WA is 30.1 minutes according to City-Data.

Traffic in Tacoma

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Tacoma, WA traffic data from INRIX ranks Tacoma as the 384th-most congested in the world.

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Compare Car Insurance Quotes in Tacoma, WA

Ready to find affordable Tacoma, Washington car insurance today? Enter your ZIP code for fast, free Tacoma, WA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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