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 Average||National Average|
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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 Company||Average Annual Rate|
Tacoma car insurance premiums by age
The age bracket that pays the least for auto insurance in Tacoma consists of drivers in their age_50s, who pay an average of $1,496. Rates for Tacoma drivers in their age_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 bracket||Average Annual Rate|
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/Gender||Average Annual Rate|
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
|Citation||Average Annual Rate|
|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|
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 Score||Average Rate (annual)|