Tacoma, WA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Tacoma.
How much is auto insurance in Tacoma?
The typical Tacoma driver pays $846 for six months of car insurance coverage. That's greater than the statewide average in Washington ($684) and more costly than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Tacoma. Read on to learn more!
| Car insurance in Tacoma vs. Washington | Average 6 Mo. Premium |
|---|---|
| Tacoma average | $846 |
| Washington average | $684 |
The Zebra's key takeaways about car insurance in Tacoma:
- The average cost of a car insurance policy in Tacoma is $846 per six-month policy — $141 per month.
- The cheapest company in Tacoma is USAA ($527).
- 35% of Zebra customers in Tacoma stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Tacoma car insurance rates by company
The difference in auto insurance rates from company to company can be substantial. For a typical driver, USAA offers Tacoma's cheapest rates. We've gathered the best cheap car insurance companies in Tacoma below. You should only use this list as a starting point: it's important to see quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $527 |
| PEMCO Insurance | $573 |
| Progressive | $772 |
| State Farm | $833 |
| Allstate | $1,126 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Tacoma.
Tacoma auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 31% of Tacoma drivers. The age bracket that pays the least for auto insurance in Tacoma consists of drivers in their 50s, who pay an average of $748. Rates for Tacoma drivers in their 60s are also relatively affordable, at just $779 per six-month policy.
The Tacoma drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Tacoma is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Tacoma is $5,244, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,762 |
| 20s | $1,140 |
| 30s | $828 |
| 40s | $783 |
| 50s | $748 |
| 60s | $779 |
| 70s | $997 |
Tacoma car insurance rates by credit score
In many cases, a driver's credit level is closely correlated with their auto insurance rates. Tacoma drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Tacoma, improving your credit to "Fair" corresponds with a $673 decrease in six-month car insurance rates. Our data tells us 36% of drivers in Tacoma have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,711 |
| Fair | $1,037 |
| Good | $846 |
| Very Good | $759 |
| Exceptional | $672 |
Tacoma car insurance rates by violation
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Two of the most costly citations to receive are DUI and reckless driving. Tacoma drivers found guilty of reckless driving face insurance rate increases of $720 per year, compared to the citywide average. A DUI violation may lead to a $756 increase, while a citation for speeding leads to a $372 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,224 |
| Reckless Driving | $1,206 |
| At-fault Accident (damages less than $1,000) | $1,159 |
| At-fault Accident (damages > $2,000) | $1,254 |
| Speeding Ticket (16-20 mph over speed limit) | $1,032 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.