Cheapest Auto Insurance in Tacoma, Washington (2026)
State Farm offers the cheapest car insurance in Tacoma, with liability rates starting at $73.
Secure. Free. Easy-to-use.
Excellent
)
Written byMelanie Lockert
)
Melanie LockertInsurance, Personal Finance Writer
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Featured in
){kind=logo}
){kind=small}
){kind=logo}
){kind=small}
)
Edited byChris Schafer
)
Chris SchaferDeputy Managing Editor, News and Marketing Content
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.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
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.
Featured in
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
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 $170, 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $115 | $58 | Low rates |
| GEICO | 4.2 | $153 | $99 | Drivers with a DUI |
| USAA | 9.1 | $117 | $60 | Military members |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $73/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. | $149/mo |
4.0
Best choice in Tacoma, WABased on 16,551 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Tacoma for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Tacoma for
Customer service
Competitive rates
Discounts for safe drivers
Showing 32 Washington reviews for Tacoma drivers - See all 7,299 State Farm reviews
Jerome
Verified Review
Don't get State Farm
Reviewed in Washington on March 18, 2026
State Farm is terrible. They raise your rates and then refuse to tell you why when asked. They also won’t return your calls regarding the rate increase.
Douglas
Verified Review
False Advertisement
Reviewed in Washington on March 8, 2026
I left State Farm thinking perhaps I could find a better price, now that I don't drive as much. I switched to Progressive. Progressive offered me a great deal, but after signing with them, they began immediately to raise their rates. I contacted them and was told the original offer was a promotion and that it was described in the fine print. I have looked back several times and can find no fine print stating that. I will return to State Farm.
Thomas
Verified Review
Sad & Lonely
Reviewed in Washington on March 3, 2026
Incredible price differences depending on the agent.
Janet
Verified Review
I have been insured with State Farm for over 30 years, even though they keep increasing my payments. In August, I had a slight fender bender that was not my fault, and no one at State Farm would help me until late November when I stopped in, once again, to see if the other party had filed a claim. A young man, whom I had never talked to before, told me we could file a claim ourselves. I was astounded, and within a month, it was settled.
Reviewed in Washington on March 2, 2026
I have been insured with State Farm for over 30 years, even though they keep increasing my payments. In August, I had a slight fender bender that was not my fault, and no one at State Farm would help me until late November when I stopped in, once again, to see if the other party had filed a claim. A young man, whom I had never talked to before, told me we could file a claim ourselves. I was astounded, and within a month, it was settled.
John
Verified Review
So So
Reviewed in Washington on February 8, 2026
Rates go up every 6 months.
Larry
Verified Review
Excellent
Reviewed in Washington on February 8, 2026
Premium too high.
Nancy
Verified Review
Insurance
Reviewed in Washington on February 6, 2026
I just started with State Farm, so I don't know too much yet.
Tommy
Verified Review
Very Good
Reviewed in Washington on February 4, 2026
Very good, easy application process.
Terry
Verified Review
Poor
Reviewed in Washington on January 27, 2026
They keep raising my insurance and I don't even drive over 50 miles a week. I'm going to look for better insurance.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Low rates
Bundling discount
Rideshare insurance available
Cons
Low rating on Trustpilot
Complaints about claims process
Doesn’t offer gap insurance
Best insurer for drivers with a DUI: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $120/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. | $200/mo |
4.0
Best choice in Tacoma, WABased on 16,802 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Tacoma for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Tacoma for
Teen drivers
Cheap rates
Accident forgiveness
Showing 27 Washington reviews for Tacoma drivers - See all 7,536 GEICO reviews
Ryan
Verified Review
I have been with them for over 10 years, and after one minor accident, my monthly premium has increased by $125.
Reviewed in Washington on March 4, 2026
I have been with them for over 10 years, and after one minor accident, my monthly premium has increased by $125.
William
Verified Review
Poor Claim Service
Reviewed in Washington on February 23, 2026
My car was hit in the US Bank parking lot while parked. I filed a claim but have heard nothing from Geico.
Crystal
Verified Review
Good but Expensive
Reviewed in Washington on February 16, 2026
Good overall, but almost $200 is too expensive for full coverage for my older Hyundai Sonata.
Lynn
Verified Review
Shop Around
Reviewed in Washington on February 12, 2026
So far, so good. Better rates than Geico.
Preyaa
Verified Review
Superb
Reviewed in Washington on February 12, 2026
It was very easy to communicate with customer care. It covers rental cars if we take one while traveling and also covers guests.
Adriana
Verified Review
GeiNo: An Atrocious Experience
Reviewed in Washington on February 4, 2026
Terrible would be an improvement. After 9 years as a customer in good standing, I have been treated with indifference to flat-out rudeness. Two months ago, my car was in a wreck, and I was not at fault. I still have not received payment. My adjuster changed three times without my being informed. The current adjuster responds whenever it suits her. Communication throughout the whole experience has been abysmal. No response to texts or emails. When calls are returned, I'm fed misinformation or flat-out lies. Still waiting for a check, but every time I reach out, I get no response. Look elsewhere for insurance.
Penny
Verified Review
Unhappy
Reviewed in Washington on January 15, 2026
Too expensive and they raised the rates without telling me.
Ernest
Verified Review
Run as fast as you can from Geico
Reviewed in Washington on January 11, 2026
Geico will raise your rate to 5 times anybody else rather than just cancel you. I saved 80% switching to Allstate with exactly the same coverage and deductible. Geico now joins with Allstate as my two "never again" companies. 20+ years with both and both tried to run me into poverty at the end.
Kathleen
Verified Review
Transparency
Reviewed in Washington on January 11, 2026
Excellent
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
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
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $75/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. | $152/mo |
4.9
Best choice in Tacoma, WABased on 3,317 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Tacoma for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Tacoma for
Members of the military community
Outstanding customer service
Competitive rates
Showing 13 Washington reviews for Tacoma drivers - See all 1,517 USAA reviews
Blake
Verified Review
Meh
Reviewed in Washington on March 29, 2026
For all the hype, I found their rates inflated and service mediocre. I spent the better part of an afternoon chatting with an agent who was pushing coverage we didn’t need or want, to finally land on a reasonable policy.
Gary
Verified Review
Rate Increases a Concern
Reviewed in Washington on December 21, 2025
No complaints about coverage, but they tend to raise rates frequently. It's challenging for those of us on a fixed income. Many of my friends have also decided not to keep their insurance due to these increases.
Fred
Verified Review
Excellent
Reviewed in Washington on December 11, 2025
Great, just expensive.
James
Verified Review
Rising premium costs causing me to look around
Reviewed in Washington on November 16, 2025
Claims processing is efficient, but as time goes on, cost is an issue, so I’m looking to replace USAA.
John Robert
Verified Review
No other review factors
Reviewed in Washington on October 31, 2025
The best insurance company in America!
Patrick
Verified Review
USAA Evaluation
Reviewed in Washington on August 12, 2025
Super for 55+ years.
Robert
Verified Review
Best Value for Veterans!
Reviewed in Washington on July 31, 2025
Top Notch! Best Insurance for Veterans!
William
Verified Review
May find more affordable.
Reviewed in Washington on July 10, 2025
Great service, too high premiums.
Norman
Verified Review
USAA Value
Reviewed in Washington on June 7, 2025
Expensive for coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Affordable rates
Multiple discounts
Mobile app
Cons
Only available to military members and their families
No 24/7 customer service
Limited network of agents
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
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
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 $121. Below are the insurance companies offering the cheapest liability insurance in the area.
The below rates in Tacoma, WA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $73 |
| USAA | $75 |
| Allstate | $97 |
| Direct Auto | $108 |
| American Family | $109 |
| The General | $112 |
| Nationwide | $113 |
| National General | $116 |
| GEICO | $120 |
| Progressive | $120 |
| Chubb | $122 |
| Farmers | $129 |
| Safeco | $134 |
| Dairyland | $151 |
| Travelers | $151 |
| Bristol West | $156 |
| Liberty Mutual | $231 |
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.
Cheapest full-coverage car insurance in Tacoma: State Farm
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 $220 in Tacoma.
Here, you can see the cheapest full-coverage car insurance options from top insurers.
The below rates in Tacoma, WA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $149 |
| USAA | $152 |
| Allstate | $197 |
| GEICO | $200 |
| Safeco | $200 |
| Direct Auto | $205 |
| National General | $214 |
| American Family | $225 |
| Nationwide | $232 |
| Progressive | $243 |
| The General | $245 |
| Chubb | $251 |
| Farmers | $263 |
| Travelers | $307 |
| Liberty Mutual | $326 |
| Bristol West | $353 |
| Dairyland | $367 |
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.
Cheapest recent rates near Tacoma, Washington
Drivers using Insurify have found quotes as cheap as $60/mo for liability only and $98/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 March 31, 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 March 31, 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 March 31, 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $90 for drivers with an incident
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
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 $223 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 in Tacoma, WA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $73 | $95 |
| USAA | $75 | $99 |
| Allstate | $97 | $129 |
| Direct Auto | $108 | $138 |
| American Family | $109 | $145 |
| The General | $112 | $153 |
| Nationwide | $113 | $150 |
| National General | $116 | $148 |
| GEICO | $120 | $160 |
| Progressive | $120 | $157 |
| Chubb | $122 | $159 |
| Farmers | $129 | $169 |
| Safeco | $134 | $180 |
| Dairyland | $151 | $193 |
| Travelers | $151 | $201 |
| Bristol West | $156 | $201 |
| Liberty Mutual | $231 | $301 |
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.
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 $234 with an accident on their record.
Here are the cheapest car insurance options for drivers with an at-fault accident.
The below rates in Tacoma, WA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $73 | $99 |
| USAA | $75 | $103 |
| Allstate | $97 | $133 |
| Direct Auto | $108 | $150 |
| American Family | $109 | $149 |
| The General | $112 | $157 |
| Nationwide | $113 | $155 |
| National General | $116 | $157 |
| GEICO | $120 | $159 |
| Progressive | $120 | $165 |
| Chubb | $122 | $165 |
| Farmers | $129 | $176 |
| Safeco | $134 | $191 |
| Dairyland | $151 | $204 |
| Travelers | $151 | $207 |
| Bristol West | $156 | $210 |
| Liberty Mutual | $231 | $314 |
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.
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 $225 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 in Tacoma, WA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $73 | $103 |
| USAA | $75 | $105 |
| Allstate | $97 | $136 |
| Direct Auto | $108 | $152 |
| American Family | $109 | $153 |
| The General | $112 | $157 |
| Nationwide | $113 | $159 |
| National General | $116 | $163 |
| GEICO | $120 | $167 |
| Progressive | $120 | $159 |
| Chubb | $122 | $171 |
| Farmers | $129 | $181 |
| Safeco | $134 | $200 |
| Dairyland | $151 | $212 |
| Travelers | $151 | $212 |
| Bristol West | $156 | $219 |
| Liberty Mutual | $231 | $324 |
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.
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 $147 per month. To get the cheapest car insurance for seniors, check out the options below.
The below rates in Tacoma, WA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $57 | $117 |
| USAA | $61 | $123 |
| Allstate | $79 | $160 |
| American Family | $87 | $180 |
| Direct Auto | $87 | $166 |
| Nationwide | $87 | $178 |
| National General | $91 | $169 |
| Chubb | $92 | $190 |
| The General | $94 | $206 |
| GEICO | $95 | $159 |
| Farmers | $102 | $209 |
| Progressive | $104 | $210 |
| Safeco | $117 | $175 |
| Travelers | $121 | $245 |
| Dairyland | $128 | $311 |
| Bristol West | $130 | $294 |
| Liberty Mutual | $193 | $273 |
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.
Cheapest car insurance for teens: USAA
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 $376 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 in Tacoma, WA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $154 | $312 |
| State Farm | $156 | $319 |
| Allstate | $211 | $429 |
| The General | $219 | $478 |
| American Family | $228 | $471 |
| Direct Auto | $229 | $435 |
| GEICO | $238 | $397 |
| Nationwide | $244 | $500 |
| National General | $258 | $476 |
| Progressive | $266 | $538 |
| Chubb | $277 | $569 |
| Farmers | $283 | $576 |
| Dairyland | $289 | $702 |
| Safeco | $297 | $443 |
| Bristol West | $310 | $700 |
| Travelers | $344 | $699 |
| Liberty Mutual | $453 | $639 |
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.
Find Car Insurance in Tacoma
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
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 $121 per month for liability coverage and $220 per month for full coverage.
These rates are higher than the national average, which is $99 per month for liability coverage and $173 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 | $135 | $238 |
| Kennewick | $78 | $151 |
| Seattle | $114 | $211 |
| Spokane | $89 | $154 |
| Vancouver | $101 | $178 |
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.
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 $121 per month. Full-coverage policies average $220 per month.
Who has the cheapest car insurance in Tacoma?
The cheapest car insurance companies in Tacoma are State Farm, USAA, and Allstate, with rates of $73, $75, and $97, 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 9.3, 9.2, and 9.1, respectively.
How much is car insurance per month in WA?
The average rate for car insurance in the state of Washington is $127 per month. Washington residents pay a monthly average of $93 for liability coverage and $161 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 190 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
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Cheapest Washington Car Insurance Quotes From $58/mo.
March 31, 2026
)
Best Car Insurance in Washington
March 30, 2026
)
Cheap SR-22 Insurance in Washington
March 31, 2026
)
Temporary Car Insurance in Washington: What You Need to Know
March 31, 2026
)
Car Insurance Requirements in Washington
March 31, 2026
Average Car Insurance Cost in Washington
July 8, 2025
)
Can You Get Car Insurance Without a Permanent Address?
March 31, 2026
)
Can You Get an Anonymous Car Insurance Quote?
March 31, 2026
)
Cheapest Car Insurance Quotes in Vancouver, WA
March 31, 2026
)
Cheap Car Insurance Quotes in Spokane, WA, From $53
March 31, 2026
)
Best Cheap Car Insurance in Seattle, WA, From $70
March 31, 2026
)
Cheap Car Insurance in Kennewick, WA, Starting at $50
March 31, 2026
)
Best Car Insurance Comparison Sites
March 31, 2026
Can You Get an Anonymous Car Insurance Quote?
March 31, 2026
)
Compare Car Insurance Rates Online | Save up to $1,100
March 31, 2026
)
The 10 Largest Auto Insurance Companies in the U.S.
March 31, 2026
Sources
- King5. "'It just never stops': Increase in Uber drivers in Tacoma mostly attributed to inflation."
- King 5. "DUI crashes increasing in Washington, according to state patrol."
- Office of the Insurance Commissioner. "Washington state's mandatory auto/motorcycle insurance law."
- Kapuza Lighty Accident Injury Lawyers. "Is Washington a No-Fault State?."
- Washington State Department of Licensing. "Guide to Driving Records."
- Off the Record. "Washington Traffic Tickets."
)
Melanie LockertInsurance, Personal Finance Writer
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Featured in
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Chris SchaferDeputy Managing Editor, News and Marketing Content
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.
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
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.
Featured in