Tacoma, WA Car Insurance

See average premiums in Tacoma, Washington, and discover the best ways to save on car insurance.

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How much is auto insurance in Tacoma?

 

The typical Tacoma driver pays $1,692 per year for car insurance coverage. That's greater than than the statewide average in Washington ($1,368) and more costly than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Tacoma.

 
TACOMA AUTO INSURANCE PREMIUMS
Tacoma Average (annual)Washington AverageNational Average
$1,692$1,368$1,548
 
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Tacoma auto insurance costs 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 compare quotes specific to your unique driving profile.

 
TACOMA CAR INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage Annual Rate
USAA$1,055
PEMCO Insurance$1,147
Progressive$1,545
State Farm$1,666
Allstate$2,252
 

Check out our guide to learn how to find the best cheap car insurance.

 
 

 

Tacoma car insurance premiums by age

The age bracket that pays the least for auto insurance in Tacoma consists of drivers in their 50s, who pay an average of $1,496. Rates for Tacoma drivers in their 60s are also relatively affordable, at just $1,558 per year.

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.

 
CAR INSURANCE RATES BY AGE TIER IN TACOMA
Age bracketAverage Annual Rate
Teenagers$7,524
20s$2,281
30s$1,656
40s$1,567
50s$1,496
60s$1,558
70s$1,995
 

Learn more about the impact of age on auto insurance rates.

 
 

 

Tacoma auto insurance rates by marital status and gender

 

Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Tacoma, married motorists pay $77 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Tacoma, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Tacoma, female drivers pay more for auto insurance than do male drivers: $49 per year, to be precise.

 
TACOMA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$1,741
Male$1,692
Single$1,615
Married$1,615
Divorced$1,692
Widowed$1,665
 

Learn more about how gender and marital status have on insurance rates.

 
 

 

Tacoma car insurance rates by incident history

 

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.

 
TACOMA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Annual Rate
DUI/DWI$2,448
Reckless Driving$2,412
At-fault Accident (damages less than $1,000)$2,319
At-fault Accident (damages > $2,000)$2,509
Speeding Ticket (16-20 mph over speed limit)$2,065
 

Learn more about citations' impact on your auto insurance rates.

 
 

 

Tacoma car insurance rates by credit level

 

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 $1,347 decrease in annual car insurance rates.

 
TACOMA CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$3,422
Fair$2,075
Good$1,692
Very Good$1,519
Exceptional$1,345
 

Get additional information on how credit impacts car insurance costs.

 

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.