Compare Tacoma, WA Car Insurance Rates (2021)

Nationwide provides the most affordable car insurance in Tacoma, WA. Although you can pay as low as $218/mo, Tacoma, Washington car insurance rates will vary for each person. Tacoma, WA car insurance quotes are produced by specific factors, including age, driving record, gender, and credit score. Compare the top Tacoma, WA auto insurance providers to find the best rates.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • The average Tacoma, WA car insurance is $225 less per year than the national average
  • Nationwide is the cheapest car insurance company in Tacoma, Washington
  • Clean driving history is the best way to secure a car insurance discount
  • Tacoma ranks second in most vehicle thefts in Washington

On average, Tacoma, WA car insurance costs $3,707 per year or $309 per month, which is $19 less than the national average and $648 more than the Washington car insurance average.

But why is Tacoma, Washington car insurance more expensive than the state average?

Your car insurance rates are determined by a few factors, such as age, gender, driving history, and credit score. Don’t worry – we’re here to help you find cheap auto insurance. Our guide explains how you can secure affordable car insurance in Tacoma, Washington.

Ready to find affordable Tacoma, WA car insurance? Enter your ZIP code above to get started with free insurance quotes.

Monthly Tacoma, WA Car Insurance Rates by ZIP Code

Find more info about the monthly Tacoma, WA car insurance rates by ZIP Code below:

View as image

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Tacoma, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Tacoma, Washington against other top US metro areas’ auto insurance rates.

View as image

What is the cheapest car insurance company in Tacoma, WA?

The cheapest car insurance company in Tacoma, WA, is Nationwide. The following most affordable auto insurance companies are USAA and GEICO.

The cheapest Tacoma, WA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Washington auto insurance company rates?” We cover that as well.

View as image

Here are the best auto insurance companies in Tacoma, WA, ranked from cheapest to most expensive:

  • Nationwide – $2,621
  • USAA – $2,647
  • GEICO – $3,093
  • State Farm – $3,405
  • Farmers – $3,794
  • Progressive – $3,851
  • American Family – $4,310
  • Allstate – $4,662
  • Liberty Mutual – $4,982

Nationwide, USAA, GEICO, and State Farm are the only companies in Tacoma that have cheaper than average auto insurance rates. However, your car insurance costs will depend on personal factors.

The most significant factor is your driving history. Some car insurance companies provide 15 to 40 percent off if you have a clean driving record. You can even save even more money on monthly costs if your credit score is good.

Another important factor that determines car insurance is location. Auto insurance companies can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Tacoma? The most affordable ZIP code in Tacoma, WA, is 98416, and its average car insurance cost is $3,588 per year or $299 per month.

Single male drivers under 25, however, could see car insurance rates that are twice as expensive. Meanwhile, married drivers, regardless of gender and over the age of 24, pay significantly less.

Tacoma, Washington auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

View as image

Your coverage level will play a significant role in your Tacoma, WA auto insurance rates. Find the cheapest Tacoma, Washington auto insurance rates by coverage level below:

View as image

Your credit score will play a major role in your Tacoma, WA auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Tacoma, Washington auto insurance rates by credit score below.

View as image

Your driving record will affect your Tacoma auto insurance rates. For example, a Tacoma, Washington DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Tacoma, Washington auto insurance rates by driving record.

View as image

Factors affecting auto insurance rates in Tacoma, WA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Tacoma, Washington auto insurance.

View as image

These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Tacoma. Washington does use gender, so check out the average monthly auto insurance rates by age and gender in Tacoma, WA.

View as image

What are the minimum car insurance coverage requirements in Tacoma, WA?

If you want to drive in Tacoma, WA, you’ll need to carry the minimum car insurance requirements, which are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

The Washington Department of Motor Vehicles recommends more coverage if you have a new vehicle. As the health insurance increases, you may need more coverage.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

What affects car insurance rates in Tacoma, WA?

Did you know your car insurance is determined by how much drive? Your auto insurance is even based on your city’s motor vehicle theft statistics. But why?

Your chances of getting into an accident increase the more you’re on the roadway. Meanwhile, motor vehicle thefts determine your chances of filing a comprehensive insurance claim.

According to the FBI statistics, Tacoma, WA, had 1,626 vehicle thefts in 2019. Compared to the number of people in Tacoma, it doesn’t appear to be that much, but Tacoma’s vehicle thefts are ranked second in the state of Washington.

What about your daily commute? According to Data USA, the average commute to work is 28 minutes. Numbeo reported that 82 percent of people in Tacoma use their cars for commutes, and 18 percent use public transportation.

Tacoma, WA weather may affect your comprehensive coverage, also. City-Data reported 21 natural disasters in Tacoma in 2019, which is six more than the national average. Most of those disasters involved flooding.

Tacoma, WA Car Insurance: The Bottom Line

Compared to the national average, Tacoma, Washington car insurance is more affordable per month. When you’re married, over 24, have a clean driving record, and a good credit score, you can save hundreds on car insurance.

Also, take advantage of your car’s safety and anti-theft features. Your car insurance provider may give you a discount.

Before you buy car insurance in Tacoma, WA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get 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.

 Secured with SHA-256 Encryption

Monthly Tacoma, WA Car Insurance Rates by ZIP Code
Tacoma, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Tacoma, WA Car Insurance Rates by Company vs. City Average
Tacoma, WA Car Insurance Rates by Company and Age
The Cheapest Tacoma, WA Car Insurance Rates by Coverage Level
The Cheapest Tacoma, WA Car Insurance Rates by Credit Score
The Cheapest Tacoma, WA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Tacoma, WA
Average Monthly Car Insurance Rates by Age & Gender in Tacoma, WA
Monthly Tacoma, WA Car Insurance Rates by ZIP Code
Tacoma, WA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Tacoma, WA Car Insurance Rates by Company vs. City Average
Tacoma, WA Car Insurance Rates by Company and Age
The Cheapest Tacoma, WA Car Insurance Rates by Coverage Level
The Cheapest Tacoma, WA Car Insurance Rates by Credit Score
The Cheapest Tacoma, WA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Tacoma, WA
Average Monthly Car Insurance Rates by Age & Gender in Tacoma, WA