Cheapest Auto Insurance in Tacoma, Washington (2026)
State Farm offers the cheapest car insurance in Tacoma, with an average monthly liability rate of $72.
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Writer: Carley ClarkInsurance Writer
Writer: Carley ClarkInsurance Writer
Qualifications:
5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
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Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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How much is car insurance in Tacoma, WA?
Tacoma car insurance averages $121 per month for liability coverage, while full coverage averages $223 per month. Rates are higher than in Seattle but lower than in Federal Way.
Car insurance in Tacoma is more expensive than the Washington state averages of $95 per month for liability coverage and $184 per month for full coverage, likely because it’s a dense metro area. Tacoma has about 4,412 people per square mile compared to the state average of 116, according to U.S. Census Bureau data. The city also has one of the highest volumes of auto thefts in the country, according to National Insurance Crime Bureau (NICB) data.
Cheapest liability-only car insurance in Tacoma: State Farm
You must prove financial responsibility to drive legally in Washington. Most drivers do so by complying with Washington car insurance requirements: $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage liability.[1]
Liability insurance in Tacoma averages $121 per month. It costs more than the state average but less than full coverage. The table below shows cheap liability car insurance in Tacoma, with the best rates from State Farm.
The below rates in Tacoma, WA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $72 |
| USAA | $73 |
| Root | $75 |
| Progressive | $103 |
| The General | $103 |
| American Family | $108 |
| National General | $108 |
| GEICO | $109 |
| Direct Auto | $113 |
| Allstate | $119 |
| Chubb | $121 |
| Safeco | $125 |
| Farmers | $126 |
| Bristol West | $146 |
| Dairyland | $147 |
| Travelers | $147 |
| Liberty Mutual | $207 |
Disclaimer: Table data sourced from real-time Tacoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tacoma may vary based on the policy buyer's unique driver profile.
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Liability policies average $121/mo.
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Cheapest full-coverage car insurance in Tacoma: State Farm
Tacoma drivers may want to add collision and comprehensive coverage to their auto policy. The Seattle-Tacoma-Bellevue metro area ranked No. 10 in the country for vehicle thefts by volume in 2025, according to NICB data.
Full coverage in Tacoma averages $223 per month — more than what drivers in most other Washington cities pay. State Farm tends to offer the best full-coverage rates. You can compare quotes for cheap full-coverage car insurance in Tacoma below.
The below rates in Tacoma, WA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $142 |
| USAA | $146 |
| Root | $181 |
| GEICO | $183 |
| Progressive | $184 |
| Safeco | $186 |
| National General | $198 |
| Allstate | $208 |
| Direct Auto | $210 |
| American Family | $215 |
| The General | $229 |
| Chubb | $239 |
| Farmers | $251 |
| Travelers | $293 |
| Liberty Mutual | $312 |
| Bristol West | $334 |
| Dairyland | $344 |
Disclaimer: Table data sourced from real-time Tacoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tacoma may vary based on the policy buyer's unique driver profile.
Car insurance rates in other Washington cities
Bellingham and Longview are the cheapest cities in Washington for car insurance. Federal Way and Auburn, on the other hand, are the most expensive. Tacoma rates rank third-highest in Washington, well above the state average.
Tacoma drivers also pay more for car insurance than those in Seattle. Although Tacoma’s a smaller city, it has a higher accident rate than Seattle. Tacoma had 1,808 crashes per 100,000 people in 2025, while Seattle had only 926, based on Washington State Department of Transportation (WSDOT) and U.S. census data.
The table below compares car insurance quotes in Tacoma to those in other major Washington cities.
The below rates in Tacoma, WA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
City | Average Monthly Quote |
|---|---|
| Bellingham | $106 |
| Longview | $112 |
| Olympia | $121 |
| Kennewick | $122 |
| Spokane | $124 |
| Vancouver | $144 |
| Bothell | $149 |
| Redmond | $157 |
| Bellevue | $159 |
| Renton | $160 |
| Seattle | $166 |
| Auburn | $175 |
| Federal Way | $184 |
Disclaimer: Table data sourced from real-time Tacoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tacoma may vary based on the policy buyer's unique driver profile.
Why is car insurance in Tacoma so expensive?
Tacoma car insurance rates are more expensive than the average cost in Washington for a few reasons.
The city’s population density is much higher than the state average. Tacoma also has a 29-minute commute time — higher than the Washington average of 27 minutes.[2]
Tacoma also experiences a high rate of stolen vehicles, with the Seattle-Tacoma-Bellevue metro area ranking No. 26 nationally for per-capita auto theft.
Tacoma’s rainy climate also poses risks, as the city receives about 40 inches of rain annually. Heavy storms can overwhelm stormwater systems and cause street flooding, according to Pierce County.[3] Flooded roads can damage vehicles and drive up car insurance rates.
Cheapest recent car insurance quotes in Washington
Drivers using Insurify have found quotes as cheap as $59/mo for liability only and $115/mo for full coverage in Tacoma and other Washington cities.
*Quotes generated for Insurify users in and around Tacoma, Washington within the last 10 days. Last updated on October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Tacoma, Washington within the last 10 days. Last updated on October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance quotes in Tacoma by driving record
Most convictions and violations stay on your Washington driving record for five years, but insurers typically only see the last three years.[4] Below are the companies offering the most affordable car insurance in Tacoma based on different driving histories:
Cheapest car insurance for Tacoma drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Tacoma: State Farm
Cheapest car insurance for Tacoma drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Tacoma: State Farm
Affordable car insurance for drivers with an incident in Tacoma
Tacoma insurers look at your driving history when setting your car insurance premiums. Incidents like speeding tickets, accidents, or driving under the influence (DUI) convictions can increase your rate.
About 5% of Tacoma drivers have a ticket on their driving record, while less than 1% have a DUI, according to Insurify data. Washington may require drivers convicted of a DUI to file an SR-22 to prove financial responsibility.[5]
Meanwhile, almost 5% of Tacoma drivers have been in an at-fault accident. Washington’s pure comparative negligence law lets you recover damages after an accident, but it reduces your payout by your percentage of fault.
The table below compares average rates by driving record in Tacoma, Washington.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $172 |
| Speeding ticket | $227 |
| At-fault accident | $239 |
| DUI | $235 |
Disclaimer: Table data is based on real-time Tacoma quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
What to know about driving in Tacoma
Tacoma offers ample parking, with more than 3,000 on-street spaces and six parking lots with more than 2,500 spaces. You can use the Flowbird app to pay for parking as long as it’s within the posted time limits.[6]
While not required, Tacoma drivers may want uninsured motorist coverage in case a driver with no insurance hits you. Washington ranked No. 12 in the nation for uninsured motorists in 2022, with about 17% of drivers completely uninsured — higher than the national average of 14%, according to Insurance Research Council data.
You might also need to be cautious of the winters in Tacoma. City crews prioritize plowing and deicing primary arterial streets first, then secondary and auxiliary routes. They don’t plow residential streets at all, though, so drivers on side streets may need to manage snow and ice on their own.[7]
How Tacoma traffic affects car insurance rates
Interstate 5 through Tacoma sees heavy congestion during peak hours, which could lead to more accidents and higher car insurance rates. The evening commute from Tacoma to Olympia averaged 51 minutes in 2023 — 23 minutes longer than it would take at the posted speed limit, according to WSDOT.[8]
Tacoma’s 4th of July celebration, Summer Blast, can cause road closures and parking restrictions along Ruston Way. The city also has nine red-light cameras, four school-zone cameras, and three speed cameras to manage traffic safety. It plans to add more speed cameras, including on Pacific Avenue and Portland Avenue.
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Cheap car insurance for Tacoma teen drivers: State Farm
You must be at least 16 years old to get your driver’s license in Washington. The state restricts nighttime driving and the number of passengers for teens during the first year of driving.[9]
Teens pay $250 per month, on average, for liability coverage — more than any other age group in Tacoma. You can compare the most affordable car insurance in Tacoma for teen drivers below, with the lowest rates from State Farm.
The below rates in Tacoma, WA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $122 |
| USAA | $142 |
| State Farm | $147 |
| The General | $198 |
| GEICO | $210 |
| Progressive | $213 |
| American Family | $215 |
| National General | $226 |
| Direct Auto | $233 |
| Allstate | $246 |
| Chubb | $260 |
| Farmers | $265 |
| Safeco | $270 |
| Dairyland | $270 |
| Bristol West | $275 |
| Travelers | $320 |
| Liberty Mutual | $386 |
Disclaimer: Table data sourced from real-time Tacoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tacoma may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes for Tacoma senior drivers: State Farm
Tacoma residents aged 65 and older make up only 15% of the city’s population, according to U.S. census data. That’s lower than the overall state average of 18%.
Senior drivers pay the lowest premiums in Tacoma, at $106 per month for liability coverage and $195 per month for full coverage. Drivers 55 or older can also receive a state-mandated discount for completing an accident prevention course.[10]
The table below shows the cheapest car insurance in Tacoma for senior drivers.
The below rates in Tacoma, WA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $57 |
| USAA | $60 |
| Root | $70 |
| National General | $85 |
| American Family | $87 |
| GEICO | $87 |
| The General | $88 |
| Progressive | $90 |
| Chubb | $92 |
| Direct Auto | $93 |
| Farmers | $101 |
| Allstate | $104 |
| Safeco | $110 |
| Travelers | $119 |
| Bristol West | $123 |
| Dairyland | $125 |
| Liberty Mutual | $173 |
Disclaimer: Table data sourced from real-time Tacoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tacoma may vary based on the policy buyer's unique driver profile.
Tacoma auto insurance FAQs
Tacoma drivers have the third-highest annual mileage in Washington, logging 9,277 miles per year, according to Insurify data. More time behind the wheel increases accident exposure, but the information below can help you find the best car insurance in Tacoma, Washington.
How much is car insurance in Tacoma, Washington?
The total average cost of auto insurance in Tacoma is $172 per month, according to Insurify data. Your rate can vary depending on your coverage limits, deductible, and whether you bundle your auto coverage with other policies, such as homeowners insurance or motorcycle insurance.
What is the average cost of car insurance in Washington state?
Car insurance in Washington averages $95 per month for liability coverage and $184 per month for full coverage. Rates are slightly below the national average.
What company has the cheapest car insurance in Tacoma?
State Farm offers the lowest car insurance rates in Tacoma, at $72 per month, with USAA a close second, at $73 per month. The most affordable insurer for you depends on your driving record and coverage needs. Comparing quotes from independent agents can help you find cheap Tacoma car insurance for your situation.
How much does full coverage car insurance cost in Tacoma?
Full coverage averages $223 per month in Tacoma. Lenders typically require comprehensive and collision coverage if you finance your vehicle, as 30% of Tacoma drivers do, according to Insurify data.
What is the minimum liability coverage requirement in Tacoma, WA?
Washington requires $25,000 per person and $50,000 per accident in bodily injury liability, plus $10,000 in property damage liability coverage.
Are there any discounts available for car insurance in Tacoma, WA?
Yes. You can save on car insurance in Tacoma with bundling discounts (purchasing home insurance or renters insurance alongside your auto policy). You can also check whether you qualify for safe driver, vehicle safety features, or good student discounts.
Sources
- Washington State Department of Licensing. "Mandatory insurance."
- U.S. Census Bureau. "Tacoma city, Washington."
- City of Tacoma. "Stormwater."
- Washington State Department of Licensins. "Guide to driving records."
- Washington State Department of Licensing. "Financial responsibility (SR-22)."
- City of Tacoma. "Guide to Parking in Tacoma."
- City of Tacoma. "Inclement Weather Resources."
- Washington State Department of Transportation. "South Puget Sound Interstate 5 - Commute time."
- Washington State Department of Licensing. "Driver license application: ages 16 to 17."
- Washington State Legislature. "Automobile insurance—Premium reductions for older insureds completing accident prevention course."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Carley ClarkInsurance Writer
Writer: Carley ClarkInsurance Writer
Qualifications:
5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.