Located just south of Seattle, Tacoma is home to one of the largest ports in the U.S. and a growing population. The average monthly cost of car insurance in Tacoma is $180, according to Insurify data.

The cost of Tacoma car insurance is higher than the national average and also higher than in some other cities in Washington. Fortunately, this article can help you reduce your insurance spending in Tacoma by showing you what’s raising your costs and how you can limit these factors.

Quick Facts

State Farm and USAA offer the lowest liability insurance rates in Tacoma, according to Insurify data.
Factors like your age, credit history, and driving record all affect your premium.
Insurers in Washington are allowed to review your credit history to generate a credit-based insurance score, which is one of several factors that influence your rates.

Cheapest car insurance companies in Tacoma

The best car insurance company for you depends on your unique circumstances. That’s why it’s always important to compare rates from several different insurers before making a decision. The three insurers highlighted below are some of the most popular in Tacoma and make a great place to start with your comparison shopping. You’ll also find their statewide average monthly quotes here.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	4.5	$104	$54	Low rates
GEICO	4.2	$127	$66	Drivers with a DUI
USAA	4.5	$106	$55	Military members

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for low rates: State Farm

Low RatesState Farm

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$64/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$124/mo

Overview

State Farm offers drivers in Tacoma the lowest rates for liability-only coverage. The company also offers rideshare insurance, which is a great benefit for the many Tacoma Uber drivers. In Tacoma, the ridesharing platform Uber saw a 54% increase from the previous year.^[1]

Pros and cons

Pros

Low rates
Bundling discount
Rideshare insurance available

Cons

Low rating on Trustpilot
Complaints about claims process
Doesn’t offer gap insurance

Reviews

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023

Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023

Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023

Verified

Read our State Farm review

Best insurer for drivers with a DUI: GEICO

Drivers With a DUIGEICO

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	835
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$79/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$151/mo

Overview

DUIs are on the rise in Washington.^[2] If you have a DUI conviction in Tacoma, GEICO is a top option for coverage. The company can also help drivers who need an SR-22. And while your insurance premiums with a DUI will be higher, GEICO’s starting rates are among the most competitive you’ll find.

Pros and cons

Pros

Competitive rates for drivers with a DUI
Many discounts available
A++ financial strength rating from AM Best

Cons

Low rating on Trustpilot
Complaints about communication
No gap or rideshare insurance available

Reviews

Unwilling to work with clients. Especially senior citizens on a fixed income.

Janina - September 10, 2023

Verified

Awesome customer service, good prices, easy to deal with.

Kathleen - September 9, 2023

Verified

Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.

James - September 7, 2023

Verified

Read our GEICO review

Best insurer for military members: USAA

Military MembersUSAA

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	880
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$66/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$126/mo

Overview

Tacoma is home to a proud military community thanks to the proximity of the U.S. Army Reserve Center and Joint Base Lewis-McChord just a short nine miles away. And if you’re one of those military members, your insurance search should include USAA.

USAA offers various financial products and other types of insurance in addition to car insurance. The company even offers military-specific discounts if your car is garaged in storage or on the base.

Pros and cons

Pros

Affordable rates
Multiple discounts
Mobile app

Cons

Only available to military members and their families
No 24/7 customer service
Limited network of agents

Reviews

They are the best in customer service.

Brenda - September 13, 2023

Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

Great operation since I was a Lt.

raymond - September 7, 2023

Verified

Read our USAA review

How to get the cheapest car insurance in Tacoma

Car insurance rates differ based on the insurance company, your driving record, ZIP code, and other factors. To get the cheapest car insurance in Tacoma, consider the following tips:

Choose a higher deductible. You typically qualify for a lower premium if you choose a higher deductible, which is your portion paid out of pocket. However, make sure to only choose a deductible you can afford should you need to file a claim.
Bundle policies. Insurance companies typically reward you with a discount if you purchase more than one policy. So, if you need home insurance or renters insurance in addition to your auto policy, you may qualify for more savings by buying them together.
Review options. Tacoma drivers have many insurance companies to choose from. Do your research and review all your options, including rates, discounts, and other benefits.

Find Cheap Car Insurance in Tacoma, Washington

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Cheapest liability-only car insurance in Tacoma: State Farm

Drivers in Tacoma must meet minimum coverage requirements to drive legally, per Washington state law.^[3] This is called liability insurance, and it covers any bodily injury and property damage suffered by the other driver in an accident you cause.

The average cost of liability insurance in Tacoma is $122. Below are the insurance companies offering the cheapest liability insurance in the area.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
State Farm	64
USAA	66
GEICO	79
Safeco	81
Allstate	86
American Family	97
Nationwide	97
Midvale Home & Auto	101
National General	103
Chubb	108
The General	108
Farmers	113
Travelers	132
Direct Auto	134
Dairyland	144
Liberty Mutual	145
Bristol West	157

Cheapest full-coverage car insurance in Tacoma: Safeco

Full-coverage car insurance includes liability coverage, collision coverage, and comprehensive coverage.

Full coverage offers reimbursement for you in the event of an accident or damage, whereas liability coverage only reimburses the other driver. As such, full-coverage insurance is more expensive, with an average monthly rate of $237 in Tacoma.

Here, you can see the cheapest full-coverage car insurance options from top insurers.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Safeco	119
State Farm	124
USAA	126
GEICO	151
Midvale Home & Auto	155
Direct Auto	161
Liberty Mutual	161
Nationwide	162
Allstate	163
American Family	186
The General	188
National General	192
Chubb	207
Farmers	217
Travelers	254
Bristol West	300
Dairyland	316

Estimate your Tacoma car insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 31%

I’m a homeowner

Save 8%

I’m married

Save 23%

I have multiple cars

Save 39%

Car insurance requirements in Washington

Washington state requires drivers to obtain the minimum coverage levels outlined below.^[3] Typically referred to as liability coverage, this includes bodily injury and property damage. If you cause an accident, this coverage pays for the other driver’s damages.

It’s also important to note that Washington operates under a tort system, or at-fault system.^[4] This means the driver judged to be at fault could be required to cover more of the accident costs or even be sued by the victim of the crash.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$10,000 per accident

Aside from mandated liability coverage, you can also choose optional coverages for greater benefits, including:

Collision coverage
Collision coverage offers reimbursement to cover damages from a collision.
Comprehensive coverage
Comprehensive coverage offers reimbursement in cases where your vehicle is damaged by weather, theft, or other occurrences.
Uninsured motorist coverage
Uninsured motorist coverage provides protection if you’re involved in an accident and the other driver lacks car insurance.

Automobile Insurance Plan

The state of Washington created the Automobile Insurance Plan to ensure that all drivers can get car insurance coverage. The program is designed to help Washington drivers who can’t get coverage from a conventional insurer due to their driving record. If you fit the bill, check out the Automobile Insurance Plan to review your coverage options.

Cheapest car insurance for drivers with an incident

Having an incident on your driving record can increase your car insurance rates, sometimes dramatically. This is because insurers view drivers with an incident on their record as being an added risk. Incidents can vary and include moving violations, speeding tickets, at-fault accidents, and the most severe of them all, DUIs.

In Washington, most convictions and court findings stay on your driving record for five years.^[5] A speeding ticket alone may lead to you paying $800 more in insurance premiums.^[6] In the sections that follow, you’ll see how individual incident types affect the rates you pay for car insurance.

Shop for Car Insurance in Tacoma, WA

Monthly rates start at $84 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

A speeding ticket typically comes with a fine based on how fast you were going over the limit, and the amount you must pay can add up fast.

However, it’s not just the fine you’ll end up paying, as a speeding ticket can also spike your car insurance premiums. The average rate for car insurance for Tacoma drivers with a speeding ticket is $250 per month.

Here, you can see how adding a speeding ticket to your record affects the rates you’re offered by several top insurers.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	59	89
USAA	61	92
GEICO	72	110
Safeco	74	113
Allstate	79	120
American Family	89	135
Nationwide	89	135
Midvale Home & Auto	93	140
National General	94	143
Chubb	99	150
The General	99	150
Farmers	104	157
Travelers	121	184
Direct Auto	123	186
Dairyland	132	200
Liberty Mutual	133	202
Bristol West	144	218

Cheapest car insurance for drivers with an at-fault accident: State Farm

Having an at-fault accident on your driving record can raise your risk profile and lead to higher insurance rates. Drivers in Tacoma pay an average monthly premium of $258 with an accident on their record.

Here are the cheapest car insurance options for drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Clean Driving Record	With Accident
State Farm	59	92
USAA	61	95
GEICO	72	113
Safeco	74	116
Allstate	79	123
American Family	89	139
Nationwide	89	139
Midvale Home & Auto	93	145
National General	94	148
Chubb	99	155
The General	99	155
Farmers	104	162
Travelers	121	189
Direct Auto	123	192
Dairyland	132	207
Liberty Mutual	133	208
Bristol West	144	225

Cheapest car insurance for drivers with a DUI: State Farm

Getting a DUI in Tacoma can lead to a suspended license, arrest, court conviction, and more. In addition to potential fines, one of the other major costs associated with a DUI is an increase in car insurance rates. In fact, some insurers may drop you altogether. Those that do keep you will likely raise your rates to something near the area average of $294 per month.

If you have a DUI and are looking at higher-than-average rates, here are the top insurance companies with the cheapest car insurance for drivers with a DUI.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Clean Driving Record	With DUI
State Farm	59	105
USAA	61	108
GEICO	72	129
Safeco	74	132
Allstate	79	141
American Family	89	159
Nationwide	89	159
Midvale Home & Auto	93	165
National General	94	168
Chubb	99	176
The General	99	176
Farmers	104	185
Travelers	121	216
Direct Auto	123	219
Dairyland	132	235
Liberty Mutual	133	237
Bristol West	144	257

Cheapest car insurance for seniors: State Farm

In the city of Tacoma, 13.8% of residents are 65 or older, according to the most recent U.S. Census Bureau estimate in 2022. Seniors may drive less if they’re in retirement and have a limited budget, which makes finding cheap car insurance a must. The good news is that car insurance premiums are typically lower for seniors than for other age groups.

However, beginning at age 70, rates climb upward again, as there may be some additional risk factors associated with reduced faculties and increased medical costs in the event of an accident.

The average car insurance rate for seniors in Tacoma is $126 per month. To get the cheapest car insurance for seniors, check out the options below.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Liability Only	Full Coverage
State Farm	45	87
USAA	46	89
GEICO	55	106
Safeco	57	84
Allstate	60	114
American Family	68	131
Nationwide	68	114
Midvale Home & Auto	71	109
National General	72	135
Chubb	76	145
The General	76	132
Farmers	79	152
Travelers	93	178
Direct Auto	94	113
Dairyland	101	222
Liberty Mutual	102	113
Bristol West	110	211

Cheapest car insurance for teens: State Farm

Teens and young adults are just starting to learn the rules of the road and how to navigate driving. This inexperience and lack of a driving history mean that car insurance for teens tends to be the most expensive.

These high rates are also due to the fact that data over time has shown teens also engage in risky driving behaviors, like speeding and distracted driving. All of this causes teens to pay an average of $305 per month for insurance in Tacoma.

To get the cheapest car insurance as a teen, remain on your parents’ insurance policy and see if you qualify for a good student discount.

Here, you can see quotes for Tacoma teens by insurance company and compare liability and full-coverage insurance.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Liability Only	Full Coverage
State Farm	108	210
USAA	112	213
GEICO	134	256
Safeco	137	201
Allstate	146	276
American Family	164	315
Nationwide	164	274
Midvale Home & Auto	171	262
National General	174	325
Chubb	183	350
The General	183	318
Farmers	191	367
Travelers	223	430
Direct Auto	227	273
Dairyland	244	535
Liberty Mutual	245	273
Bristol West	266	508

Find Car Insurance in Tacoma

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Tacoma car insurance quotes by credit tier

The state of Washington uses credit history as a factor that can influence your car insurance rate. Washington Commissioner Mike Kreidler attempted to ban this practice in 2022; however, it was overturned by the court, so for now, credit history is still a viable tool for insurers.

If your credit is considered poor, you’ll pay double what someone with excellent credit pays. Here, you can see the difference in Tacoma car insurance quotes based on credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Tacoma?

Car insurance in Tacoma averages $122 per month for liability coverage and $237 per month for full coverage.

These rates are higher than the national average, which is $103 per month for liability coverage and $207 per month for full coverage, based on Insurify data.

Within the state of Washington, rates for car insurance vary by city. Factors that influence rates include crime, population density, cost of living, and more. For example, car insurance in a major city like Seattle costs 7% more than insurance in Tacoma.

More cities in Washington

Compared to other cities in Washington, Tacoma is fairly average. Certain cities have higher rates, and others are on the lower end.

The table below illustrates the rates you can expect to pay in other major Washington cities.

City	Average Quote: Liability Only	Average Quote: Full Coverage
Federal Way	$132	$256
Kennewick	$82	$184
Seattle	$124	$258
Spokane	$90	$169
Vancouver	$98	$204

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Tacoma car insurance FAQs

Looking for more information on car insurance rates in Tacoma? Check out the answers below.

How much is car insurance in Tacoma?
The average rate for liability-only coverage in Tacoma is $122 per month. Full-coverage policies average $237 per month.
Who has the cheapest car insurance in Tacoma?
The cheapest car insurance companies in Tacoma are State Farm, USAA, and GEICO, with rates of $64, $66, and $79, respectively.
What are the best car insurance companies in Tacoma?
The top insurers in Tacoma are State Farm, GEICO, and USAA. All three offer competitive rates and have solid financial ratings from AM Best. They also have impressive Insurify Quality Scores of 4.5, 4.2, and 4.5, respectively.
How much is car insurance per month in WA?
The average rate for car insurance in the state of Washington is $151 per month. Washington residents pay a monthly average of $98 for liability coverage and $205 for full coverage.
What is the minimum amount of vehicle insurance required in the state of Washington?
To drive legally in the state of Washington, your auto insurance coverage must comply with the state’s 25/50/10 rule. This means your coverage must include bodily injury liability of at least $25,000 per person and $50,000 per accident, as well as property damage liability of $10,000 per accident.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

More cities in Washington

Popular cities

Sources

King5. "'It just never stops': Increase in Uber drivers in Tacoma mostly attributed to inflation." Accessed October 3, 2023
King 5. "DUI crashes increasing in Washington, according to state patrol." Accessed October 3, 2023
Office of the Insurance Commissioner. "Washington state's mandatory auto/motorcycle insurance law." Accessed October 3, 2023
Kapuza Lighty Accident Injury Lawyers. "Is Washington a No-Fault State?." Accessed October 3, 2023
Washington State Department of Licensing. "Guide to Driving Records." Accessed October 3, 2023
Off the Record. "Washington Traffic Tickets." Accessed October 3, 2023

Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

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Edited byChris SchaferSenior Editor

Chris SchaferSenior Editor

15+ years in content creation
7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Table of contents

Table of contentsCompare quotes

Cheapest car insurance companies in Tacoma

Best insurer for low rates: State Farm

Low RatesState Farm

Best insurer for drivers with a DUI: GEICO

Drivers With a DUIGEICO

Best insurer for military members: USAA

Military MembersUSAA

How to get the cheapest car insurance in Tacoma

Find Cheap Car Insurance in Tacoma, Washington

Cheapest liability-only car insurance in Tacoma: State Farm

Cheapest full-coverage car insurance in Tacoma: Safeco

Estimate your Tacoma car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Washington

Collision coverage

Comprehensive coverage

Uninsured motorist coverage

Automobile Insurance Plan

Cheapest car insurance for drivers with an incident

Shop for Car Insurance in Tacoma, WA

Cheapest car insurance for drivers with a speeding ticket: State Farm

Cheapest car insurance for drivers with an at-fault accident: State Farm

Cheapest car insurance for drivers with a DUI: State Farm

Cheapest car insurance for seniors: State Farm

Cheapest car insurance for teens: State Farm

Find Car Insurance in Tacoma

Tacoma car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Tacoma?

More cities in Washington

Tacoma car insurance FAQs

Methodology

Related articles

More cities in Washington

Popular cities

Sources

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