Cheapest Car Insurance in Tacoma, WA (2026)

Tacoma drivers pay an average of $792 per year for minimum coverage and $1,692 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: State Farm offers Tacoma's most affordable minimum coverage at $669 per year ($56 monthly). That's 15% lower than the city average of $792, saving you $123 annually. California Casualty ranks second for minimum coverage at $679 per year ($57 monthly), a 14% savings compared to the city average.
• Cheapest full coverage: American Family provides the most affordable full coverage at $1,404 per year ($117 monthly), 17% below the city average of $1,692. That's $288 in annual savings. Travelers' full coverage costs $1,566 per year ($131 monthly), still 7% below the city average but $162 more than American Family annually.

Young drivers in Tacoma have the highest car insurance costs compared to other age groups. Here are the most affordable options by age in the area:

• Adults: State Farm at $56 and California Casualty at $57 monthly
• Seniors: State Farm at $66 and GEICO at $73 monthly
• Young drivers: State Farm at $120 and Travelers at $127 monthly

State Farm helps young drivers cut costs through their Steer Clear program, offering up to 15% savings after completing a 90-day safe driving evaluation. GEICO supports senior drivers with their Prime Time Contract program, delivering up to 10% savings after completing a defensive driving course.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in Tacoma by violation type:

• Accident: State Farm at $65 and Travelers at $82 monthly
• Ticket: State Farm at $60 and Farmers at $78 monthly
• DUI: State Farm at $60 and National General at $80 monthly

Minor violations in Washington stay on your record for three years before rates decrease.

Tacoma drivers have different car insurance costs depending on their neighborhood. ZIP code 98404 has the highest rates at $162 monthly for full coverage, while residents in 98403 pay the least at $134 monthly.

Travelers earned a 97 out of 100 on MoneyGeek's rating scale, establishing it as the top car insurance company in Tacoma. American Family follows closely with a strong 93 out of 100 score. Travelers leads in customer service and claims satisfaction, based on our evaluation of agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and customer reviews across multiple platforms.

Travelers delivers exceptional customer experience, providing comprehensive support throughout the claims process and policy management. The company also ranks high for affordability among Washington residents.

American Family takes the lead in affordability, offering competitive rates for comprehensive coverage. Both insurers maintain excellent financial stability ratings, ensuring reliable claim payments.

See below for why each insurer excels and which matches your needs.

Tacoma residents have high car insurance costs compared to other Washington cities. Shop around, reduce your premiums and select the right protection for your needs:

Our insurance experts answer questions about finding budget-friendly car coverage in Tacoma:

Tacoma drivers pay some of Washington's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Office of the Insurance Commissioner and Quadrant Information Services. Our research covered all Tacoma ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by Tacoma's specific risks including high vehicle theft rates, rainy weather conditions increasing accident risk, and traffic congestion contributing to higher claim frequencies.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Washington's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing theft claims or handling weather-related accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Tacoma risks like vehicle theft, weather-related damage and accidents in high-traffic areas.