Cheap Auto Insurance Quotes in Tacoma, WA (2021)

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While Seattle tends to be a popular destination in Washington, the city of Tacoma has become more and more frequented by travelers in recent years. Named one of the most walkable cities in America, Tacoma still sees its fair share of busy roads. Interstate 5 runs directly through the city center and can be quite busy at all hours of the day. Drivers in Tacoma are encouraged to purchase a comprehensive auto insurance policy, as accidents can happen in the city’s wet weather in the blink of an eye.

Car Insurance in Tacoma, WA

The average cost of Washington car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Tacoma, WA to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$45
$114
$149
$149
$172
ProgressiveNationwideTravelersState FarmThe General
Monthly $

Cheapest Car Insurance in Tacoma, WA

Here are the cheapest carriers in Tacoma for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Tacoma, WA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Tacoma. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$129
$113
$130
$109
$139
$156
WashingtonSeattleSpokaneVancouverBellevueTacoma
Monthly $

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Tacoma, WA Driving Facts

washington

Minimum Car Insurane Requirements in WA

All motor vehicles operated or parked on Washington roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Washington are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily Injury Liability Coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Washington state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Washington law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of Property Damage Liability Coverage required in the state of Washington is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Tacoma Car Insurance Rates by Driver Age

The older you are, the better your insurance rates become in Tacoma. While teen drivers pay the most monthly for insurance in Tacoma at $545, drivers in their 60s pay the least, at $204. Why? The older driver has more experience on the road. There’s an exception to this, however. Drivers in their 70s do pay $5 more per month for insurance than drivers in their 60s. This is because they carry a higher accident risk than the driver who is a decade younger.

Driving History
No Violation$270
Speeding Ticket$282
At-Fault Accident$317
Failure to Stop for Red Light / Stop Sign$274

Tacoma Car Insurance Rates by Driving and Accident History

When you make a driving mistake or take unnecessary risks on the road, prepare for your insurance to go up in Tacoma. Run a red light in this city, and your monthly insurance bill will average $273. While this is only slightly higher than the premium for a driver without any marks against them, every little bit adds up. Those with an at-fault accident on their record pay the most in Tacoma, averaging $316 in monthly insurance premiums.

Tacoma Car Insurance Rates by Credit Tier

How good is your credit? If you aren’t already managing it, you probably should be. Credit-based insurance scores help insurance companies determine insurance rates. What does your credit score have to do with insurance premiums? Studies have linked credit score with accident risk. Lower scores reflect a higher risk, which calls for higher insurance premiums. Those with poor credit scores pay $16 more monthly for car insurance than those with excellent scores in Tacoma. That’s $192 a year in savings for drivers whose credit is in better shape.

Tacoma, WA DMV Information

Completing your DMV tasks is a fairly easy process because the city has two locations for residents. One is open Monday through Friday from 8:30 a.m. to 4:30 p.m., while the other offers 8 a.m. to 5:30 p.m. hours along with Saturday hours from 8 a.m. to 1 p.m. Additional locations can be accessed if you’re willing to take a short drive, and some services can be completed through the mail.

Public Transportation in Tacoma, WA

Public transportation in the greater Tacoma area is fairly robust, with a bus system that operates in and around the city. If you’re trying to get around in the downtown area, the Tacoma Link light-rail is a smart choice, although the city is easy to navigate on foot as well. Rideshare options like Uber or Lyft are also available, and if you’re considering calling a traditional taxi service, expect wait times of at least 30 minutes.

Conclusion: How to get the best and cheapest car insurance in Tacoma, WA

Tacoma is a fairly easy city to navigate from behind the wheel, but if you’re not up for driving, you can still make your way from A to B with the ease of public transportation options. Beautiful scenery and an affordable cost of living have made Tacoma’s popularity soar in recent years, so it’s only a matter of time before this city becomes more and more congested.

If you live in Tacoma and you’re curious whether you can save on your auto insurance, visit Insurify today. Simply answer a few easy questions and you’ll be able to compare quotes from the nation’s top insurance companies. Most drivers find that they save more than they thought they could with Insurify.

Find local Tacoma agents

Pilkey-Hopping & Ekberg 
2102 N Pearl St Suite 102, Tacoma, WA 98406-2550
Association of Risk Managers NW 
3109 N 29th St, Tacoma, WA 98407
Propel Insurance 
1201 Pacific Ave #1000, Tacoma, WA 98402-4321
Hentschell & Associates Inc. 
1436 S Union Ave, Tacoma, WA 98505
ALT Insurance Group 
1900 D St, Tacoma, WA 98421
Dan Marek Ins. 
12909 Pacific Avenue, Tacoma, WA 98444-5072
Taylor-Thomason Ins. Brokers 
3401 S 19th St Ste 200, Tacoma, WA 98405
Freedom Insurance Services LLC 
4002 Tacoma Mall Blvd, Ste 102, Tacoma, WA 98409-7702
American Underwriters Ins. Agencies, 
6429 S Tacoma Way, Tacoma, WA 98409-4004
Gus Paine Insurance 
4301 S Pine St #26, Tacoma, WA 98409-7252

Insurify Insights: How Tacoma Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Tacoma, WA
suspended licenses
#10
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Tacoma drivers measure up to their fellow Washington motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Tacoma

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Tacoma drivers rank 17 in the number of car accidents per driver across all cities in Washington.

  • Rank within state: #17
  • Percent of drivers in Tacoma with an accident: 11.52%
  • Drivers in Tacoma, WA with an accident in their driving history paid on average 30.04% more than drivers with a clean record

Speeding Tacoma

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Washington, Tacoma drivers rank 17 in the number of speeding infractions per driver.

  • Rank within state: #17
  • Percent of drivers in Tacoma with a speeding ticket: 11.88%
  • Drivers in Tacoma, WA with a speeding ticket in their driving history paid on average 30.47% more than drivers with a clean record

DUI/DWIs Tacoma

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tacoma drivers rank 11 in the number of DUI’s per driver across all cities in Washington.

  • Rank within state: #11
  • Percent of drivers in Tacoma with a DUI: 1.75%
  • Drivers in Tacoma, WA with a DUI in their driving history paid on average 12.88% more than drivers with a clean record

Most Popular Vehicle Tacoma

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Tacoma is the Honda Accord.

Rude Tacoma

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Washington, Tacoma drivers rank 11 in rude driving infractions.

  • Rank within state: #11
  • Percent of drivers in Tacoma with a reckless driving violation: 2.85%
  • Drivers in Tacoma, WA with a reckless driving violation in their driving history paid on average 28.76% more than drivers with a clean record.

Safest Drivers Tacoma

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Tacoma drivers rank 5 in clean driving records across all cities in Washington.

  • Rank within state: #5
  • Percent of drivers in Tacoma with clean record: 77.56%

Failure to Yield the Right of Way Tacoma

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Tacoma drivers rank 8 in failure to yield violations per driver across all cities in Washington.

  • Rank within state: #8
  • Percent of drivers in Tacoma with a failure to yield violation: 0.79%
  • Drivers in Tacoma, WA with a failure to yield violation in their driving history paid on average 1200% more than drivers with a clean record

Reckless Drivers Tacoma

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Washington, Tacoma drivers rank 7 in the number of reckless driving offenses per driver.

  • Rank within state: #7
  • Percent of drivers in Tacoma with a reckless driving offense: 0.22%

Hybrid/Electric Vehicle Ownership Tacoma

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Tacoma drivers rank 11 in hybrid and electric vehicle ownership across all cities in Washington.

  • Rank within state: #11
  • Percent of drivers in Tacoma with a hybrid/electric vehicle: 1.6%
Most Patriotic City

Most Patriotic City

Tacoma

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Bremerton won Insurify's Most Patriotic Cities Award for the state of Washington. The city encompasses the Puget Sound Naval Shipyard as well as the Bremerton Annex of Naval Base Kitsap.


FAQs - Tacoma, WA Car Insurance

Can I get inexpensive car insurance in Tacoma?

Compared to Seattle, auto coverage in Tacoma is quite affordable. Your rate will depend on a number of factors, including your driving history and the type of coverage you desire, but most residents are pleased to learn that premiums tend to fall below the national average.

Am I required to have collision coverage in Tacoma?

Washington drivers do not have to purchase collision coverage when they enroll in auto insurance, although due to the frequently wet weather in the area, it’s advised, as accidents can happen quickly. Keep in mind that you must enroll in $25,000 for bodily injury and $10,000 for property damage coverage.

What happens if I drive in Tacoma without insurance?

Getting caught results in a fine and the suspension of your driving privileges. Despite this, Washington is high on the list when it comes to uninsured drivers. It’s always best to enroll in auto insurance before you get behind the wheel.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.