Cheap Auto Insurance Quotes in Tacoma, WA (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Evergreen State.

Compare all car insurance quotes in one place

Compare Quotes

Personalized quotes in less than 2 minutes.

No signup required

As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Loading Chart

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

Loading Chart

Click here to learn about car insurance quotes and save on your current policy.

Tacoma, WA Driving Facts

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.

washington

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.

Driver's AgeAvg. Monthly Cost
teens$546
20s$351
30s$255
40s$254
50s$243
60s$205
70s$210
80s$220
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$266
Good$287
Average$296
Poor$282

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Tacoma stacks up for the state of Washington:

honda
Honda Accord
Most Popular Car in
Tacoma, WA
suspended licenses
#8
Cities with Most
Suspended Licenses Rank
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.