In Tacoma, State Farm offers the lowest annual rate for minimum coverage at $669, while American Family provides the cheapest full coverage at $1,404 per year. GEICO, Travelers and California Casualty also offer competitive rates in the city.
Car Insurance in Tacoma
In Tacoma, State Farm offers the lowest minimum coverage at $56 per month, while American Family leads for full coverage at $117 monthly.
Find out if you’re overpaying for car insurance in Tacoma below.

Updated: August 14, 2025
Advertising & Editorial Disclosure
Key Takeaways
Tacoma's cheapest car insurance companies are American Family, Travelers and GEICO, with rates up to 11% lower than the city average.
Monthly car insurance costs in Tacoma average $141 for full coverage and $66 for minimum coverage.
To find the best cheap auto insurance in Tacoma, choose appropriate coverage levels and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Tacoma?
American Family | $75 | $117 | -11% |
Travelers | $62 | $130 | -11% |
GEICO | $58 | $136 | -10% |
State Farm | $56 | $155 | -2% |
California Casualty | $57 | $156 | -2% |
Cheapest Tacoma Car Insurance by Category
American Family leads affordability in Tacoma, winning four driver categories. GEICO offers the cheapest rates for seniors and old cars, while Travelers, State Farm and National General win for drivers with newer cars, accidents and bad credit, respectively.
Young Drivers | American Family | $131 |
Adult Drivers | American Family | $75 |
Senior Drivers | GEICO | $73 |
Drivers With an Accident | State Farm | $65 |
Drivers With a DUI | American Family | $85 |
Drivers With a Speeding Ticket | American Family | $85 |
Drivers With Bad Credit | National General | $86 |
Drivers With Newer Cars | Travelers | $59 |
Drivers With Old Cars | GEICO | $50 |
Compare the Cheapest Tacoma Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance. Check the table below to find which companies offer the best rates for drivers like you.
American Family | $163 | $1,957 | -27% |
Travelers | $171 | $2,047 | -24% |
State Farm | $177 | $2,119 | -21% |
Pemco Insurance | $197 | $2,369 | -12% |
Allstate | $211 | $2,535 | -6% |
Best Car Insurance Companies in Tacoma
The top car insurance companies in Tacoma are Travelers, American Family, GEICO, Progressive and State Farm. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
Travelers | 98 | 2 | 1 | 4 |
American Family | 94 | 1 | 5 | 6 |
GEICO | 92 | 3 | 6 | 6 |
Progressive | 90 | 6 | 2 | 2 |
State Farm | 88 | 4 | 3 | 6 |

Travelers: Best Overall Service
pros
Exceptional customer service ratings
Competitive rates for most drivers
Strong coverage options available
cons
Higher rates for full coverage
Limited add-on selections
COMPANY HIGHLIGHTS
Travelers ranks first among Tacoma insurers thanks to top customer service ratings and competitive pricing. The company charges $62 monthly for minimum coverage, beating the city average by 6%. Customers praise the smooth claims process and responsive support team. While full coverage costs run slightly higher at $130 monthly, the superior service experience makes Travelers a solid choice for most drivers.

American Family: Best for Affordable Coverage
pros
Lowest rates for many drivers
Multiple driver discounts available
Flexible payment options
cons
Average customer service scores
Limited coverage selections
COMPANY HIGHLIGHTS
American Family offers the most affordable rates for several driver categories in Tacoma. The company provides the cheapest coverage for adult drivers, those with DUIs, and drivers with speeding tickets. Full coverage starts at $117 monthly, significantly below the city average. While customer service ratings are average, American Family's competitive pricing and flexible options make it an excellent choice for budget-conscious drivers seeking reliable coverage.
How Much Is Car Insurance in Tacoma?
In Tacoma, minimum coverage costs about $66 per month or $796 per year, ranking 492nd out of all Washington cities for affordability. Full coverage averages $141 monthly or $1,690 annually, ranking 460th among Washington cities.
Full Coverage | $141 | $1,690 |
Minimum Coverage | $66 | $796 |
Tacoma Car Insurance Cost by Category
In Tacoma, monthly coverage costs vary from $60 to $372 depending on the driver profile. Check the table below to see rates for your category.
Young Drivers | $170 | $372 |
Adult Drivers | $66 | $141 |
Senior Drivers | $98 | $194 |
Drivers With an Accident | $97 | $207 |
Drivers With a DUI | $96 | $208 |
Drivers With a Speeding Ticket | $82 | $178 |
Drivers With Bad Credit | $153 | $347 |
Drivers With Newer Cars | $74 | $159 |
Drivers With Old Cars | $60 | $128 |
Tacoma Car Insurance Costs by ZIP Code
In Tacoma, car insurance rates by ZIP code range from $62 to $162 per month. ZIP code 98404 is the most expensive, while 98403 is the cheapest. Check the average rates for your ZIP code on the table below.
98402 | $63 | $137 |
Compare Personalized Tacoma Car Insurance Costs
Filter the rates below by your age and driving history to find insurance costs that match your exact profile in Tacoma.
$67 | $804 | 32% |
How to Get the Best Cheap Tacoma Car Insurance
Car insurance rates in Tacoma are higher than the national average, but you can still find affordable coverage with the right approach. This guide shows you proven ways to lower your rates and choose the best car insurance for your needs.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your vehicle. Use our car insurance coverage needs calculator to evaluate your situation. Consider your car's value, your assets and Washington state requirements to find the right balance of protection and affordability.
- 2
Explore alternative coverage options
Look into different types of car insurance that might better suit your needs. If you drive infrequently, pay-per-mile coverage could save you money. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Know the average costs
Research average vehicle insurance costs in Tacoma to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying for coverage.
- 4
Find all eligible discounts
Take advantage of every car insurance discount available. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Safe driver and good student discounts can also significantly reduce your premium.
- 5
Check company ratings and reviews
Research insurance providers' financial strength and customer service ratings. Look for companies with strong records in claims handling and customer satisfaction in Washington. Read recent reviews from Tacoma drivers to understand local experiences with different insurers.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct contact with insurers. Each company uses different factors to set rates, so comparing multiple quotes helps you find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Life changes like moving within Tacoma, getting married or buying a new car can affect your rates. Regular reviews ensure you maintain the best combination of coverage and cost.
Cheapest Car Insurance in Tacoma: Bottom Line
Car insurance rates in Tacoma depend on your age, driving record and credit score. American Family and Travelers offer the lowest average premiums in the city, but compare quotes from multiple providers to find your best rate.
Cheap Tacoma Car Insurance: FAQ
Below you'll find straightforward answers about finding affordable car insurance in Tacoma. Our FAQ section helps you understand coverage options and discover ways to lower your rates while maintaining the protection you need.
What is the cheapest car insurance company in Tacoma, Washington?
State Farm offers the cheapest minimum coverage in Tacoma at $669 annually, while American Family provides full coverage at $1,404. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Tacoma?
Travelers leads Tacoma's car insurance market with a MoneyGeek score of 98 out of 100, scoring four points above American Family. The company delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Tacoma?
In Tacoma, drivers pay $1,690 per year for full coverage and $796 for minimum coverage auto insurance. Actual rates vary based on individual factors.
Is car insurance in Tacoma expensive?
Car insurance in Tacoma costs more than average, ranking 492nd for minimum coverage affordability and 460th for full coverage compared to other Washington cities.
How We Chose the Best and Cheapest Car Insurance in Tacoma, WA
To help Tacoma drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Washington Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Washington to tailor options as closely as possible to you.
Tacoma Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Tacoma
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Washington are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.