Car Insurance in Tacoma


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Key Takeaways

blueCheck icon

Tacoma's cheapest car insurance companies are American Family, Travelers and GEICO, with rates up to 11% lower than the city average.

blueCheck icon

Monthly car insurance costs in Tacoma average $141 for full coverage and $66 for minimum coverage.

blueCheck icon

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?

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.

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 DriversAmerican Family$131
Adult DriversAmerican Family$75
Senior DriversGEICO$73
Drivers With an AccidentState Farm$65
Drivers With a DUIAmerican Family$85
Drivers With a Speeding TicketAmerican Family$85
Drivers With Bad CreditNational General$86
Drivers With Newer CarsTravelers$59
Drivers With Old CarsGEICO$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.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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.

Travelers98214
American Family94156
GEICO92366
Progressive90622
State Farm88436
Travelers

Travelers: Best Overall Service

checkmark

pros

  • Exceptional customer service ratings

  • Competitive rates for most drivers

  • Strong coverage options available

close

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 Insurance

American Family: Best for Affordable Coverage

checkmark

pros

  • Lowest rates for many drivers

  • Multiple driver discounts available

  • Flexible payment options

close

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.

Data filtered by:Results filtered by:
Select
ZIP Code:98402
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.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
$67$80432%

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. 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. 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. 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. 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. 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. 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. 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?

Who offers the best car insurance in Tacoma?

What is the average cost of car insurance in Tacoma?

Is car insurance in Tacoma expensive?

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 headshot

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.


Copyright © 2025 MoneyGeek.com. All Rights Reserved