Cheap Car Insurance in Tacoma, WA

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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In the market for cheap auto insurance in Tacoma, WA? With, you could get the most affordable insurance rates for your area. To find free car insurance prices available from the best providers today, input your local zip code within the quote box here.

Tacoma sits in the shadow of Mt. Rainer, offers tourists and locals a beautiful view of the Cascade Range, and is only a short distance away from the picturesque Olympic Mountains. The nearby deep water harbor has been an important part of Tacoma’s economy from its early settlement all the way to the present day economy. Various publications have awarded Tacoma such titles as the “City of Destiny” and one of “America’s Most Livable Communities”.

  • Fun fact: Is that a triskelion you’re wearing? Because this city is #5 (98403) on the list of “Top 101 zip codes with the largest percentage of Celtic first ancestries (pop 5,000+)”. Discover more about Tacoma.

Auto Insurance Coverage Requirements in Washington

Driving legally in Tacoma requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 10,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

The Bodily Injury Liability requirements in Washington are higher than in most other states, but other than that and Property Damage Liability, you won't be required to purchase multiple forms of coverage - not by your state, at least. But if you are financing a relatively new vehicle, your lender may require a more comprehensive policy.

Your typical Washington car insurance policy can end up costing the average driver somewhere in the neighborhood of $125 each month. However, there are special deals happening in Tacoma right now which can lower your rates down to $42/mo*!

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Farmers American Family Capital Allstate 10 20 30 40 50 60 70 $27 $73 $34 $59 $33 $51 $23 $54 $49 $74


If you're a relatively average driver, you're going to want to get a quote from either State Farm or Farmers before you shop anywhere else, because those two companies are offering the lowest prices for average drivers in Tacoma. However, if you have several accidents or a poor credit score, you might get a better deal by shopping around.

Organizations which underwrite auto insurance policies evaluate different variables when determining insurance rates, especially driving experience, accident claims, type of vehicle owned, driving distance to work, and multiple cars and drivers. Also remember that premiums can alter from company to company. To ensure you are still paying the cheapest rate, do a comparison of cheap Tacoma auto insurance premiums over the internet.

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Major Car Insurance Factors in Tacoma

You could feel a little bit powerless when your car insurance agency is estimating your quote; let’s be honest, a lot of the elements they calculate aren’t issues you will be able to adjust or control. Thankfully, however, there are various things that you may be qualified to modify for improved discounts, including:

Your Zip Code

Auto insurance agencies need to know your geographical area (or the spot where you are going to be driving frequently) to be able to determine the likelihood of an accident. All of it comes down to a simple idea: the larger the population, the more vehicles there will be while travelling, and therefore the more prospects you might have to get in a crash with or even be hit by an additional car or truck. The populace of Tacoma is 203,446 plus the common household income is $50,807.

Auto Insurance by Zip Code Legend: Bellevue Seattle Spokane Tacoma Vancouver State Farm Farmers American Family Capital Allstate 5 10 15 20 25 30 35 40 45 50 55 $26 $29 $21 $34 $26 $32 $38 $29 $35 $30 $37 $47 $28 $37 $29 $38 $43 $36 $46 $40 $52 $53 $40 $59 $47


Automotive Accidents

Even though Tacoma has a sizeable population of over 200,000 residents, the chart below shows that there were quite a few fatal accidents in recent years. This could be artificially raising your rates in your zip code. To find out more, contact your insurance agent and ask about any Safe Driver discounts.

Fatal Accidents in Tacoma, WA Legend: Tacoma Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 10 14 4 12 20 1


Auto Thefts in Tacoma

Residing in a large urban center (Chiefly any which has a substantial rate of crime) increases your probability of becoming a victim for auto theft. In cases where your overall locale features high statistics of auto theft claims filed, you are likely to spend a lot more for auto insurance to be able to counterbalance these expenses. The full number of taken vehicles in Tacoma rose to 2,024 during the year 2013.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Farmers American Family Capital Allstate 10 20 30 40 50 60 70 80 90 100 110 $34 $75 $35 $76 $37 $85 $46 $54 $59 $112


Your Credit Score

For many insurance companies, having a less than perfect credit score can raise your rates substantially. Luckily, in Tacoma, companies like Farmers or American Family won't charge you too much more for having a lower credit score (but the rates will still be higher unfortunately).

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Farmers American Family Capital Allstate 10 20 30 40 50 60 70 $27 $73 $34 $59 $33 $51 $23 $54 $49 $74


Your Age

If you are under the age of 25, you are likely paying some of the highest automotive insurance prices available in your area. To try and reduce such an expense, you can try to get discounts targeted toward your age group such as Good Student or Driver Education courses. Other than that, though, the only way to lower your rates is to be patient.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm Farmers American Family Capital Allstate 25 50 75 100 125 150 175 200 225 250 $34 $150 $35 $237 $37 $273 $46 $141 $59 $184


Your Driving Record

The more violations you rack up on your driving record, the more your insurance company will charge you each month to maintain your coverage. They do this as a way to hedge their financial risk in case your next violation results in them having to pay out a repair or replacement claim.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Farmers American Family Capital Allstate 10 20 30 40 50 60 70 80 $34 $38 $38 $42 $35 $59 $80 $66 $37 $51 $75 $54 $46 $35 $51 $40 $59 $67 $81 $83


Your Vehicle

Driving a less expensive car will definitely save you money on your monthly insurance costs. However, if you must insist on driving around in a luxury vehicle, you must also understand that you need a more comprehensive, and therefore more expensive, insurance policy in order to keep your investment protected properly.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Farmers American Family Capital Allstate 10 20 30 40 50 60 70 80 90 100 110 120 $34 $99 $35 $99 $37 $125 $46 $118 $59 $119


Minor Car Insurance Factors in Tacoma

Some of these factors may also work in your favor towards lowering your monthly rates:

Your Marital Status

In truth, anyone can bundle their automotive insurance policy with other financial products (as long as they are all available from your insurance company). But married people usually benefit most from bundling discounts because they have twice as much to put together.

Your Gender

Some companies charge slightly higher rates for female drivers, while others put that extra expense on the male population of motorists. However, the majority of them don't even factor gender in anymore when sitting down to calculate your rates.

Your Driving Distance to Work

Commuting around Tacoma might take a little longer than it does in most cities. On average, drivers should anticipate spending at least 15 and up to 20 minutes per commute. Alternatively, shorter trips lasting between 10 and 15 minutes have been reported, but are less common. Around 73% of people will be driving their own transportation alone, while around 14% will carpool.

You can try to drive fewer miles each year in order to save a little money on your premiums, but don't go out of your way for this particular discount. You'd have to make some pretty drastic cuts - at least 5,000 miles each year or more - just to see a 3-4% discount.

Your Coverage and Deductibles

Most drivers don’t know that they have a lot of control over their deductible. However, before you raise it in order to lower your monthly insurance payment, put a little extra money away in your savings account. If you get into an accident and you suddenly don't have the money to pay your higher claim, things can get very complicated very quickly.

Education in Tacoma, WA

The highest level of education for many residents in Tacoma is a high school diploma; over 29% of citizens have one. Additionally, around 17% have started the process of earning a bachelor’s degree also, and are at least one year into their college education. These future graduates will have a nice surprise waiting for them at the end of their four years of college: lower rates on auto insurance! Providers usually offer lower-priced policies to highly educated drivers.

Tacoma is well known for its public as well as its private institutions for higher learning. If you want a private university to give you a degree in law, music, or business, consider a degree from the University of Puget Sound or Pacific Lutheran University. For college preparation or occupational training, the Tacoma Community College or Pierce College are both excellent choices.

You should not make it possible for a poor car insurance agency to persuade you into buying a car insurance policy which is not right for you. Yes, the total amount of information needed in order to estimate your individual risk profile might be too much to handle, however comparison sites similar to this may help make your search easier. Simply just key in just a few details below, and we shall take over from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Office of the Insurance Commissioner - Washington State

Washington State Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

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