Tacoma Car Insurance

The Zebra
May 30, 2018

Car Insurance in Tacoma

Premiums in Tacoma are 24% greater than the state average, which is why the city is known for its pricey premiums. Keep some money in your pocket by following the tips below about how to save on car insurance in Tacoma.

  • City Average: $1,437
  • State Average: $1,160
  • National Average: $1,427

Tacoma Car Insurance by Age

With car insurance payments of $5,869 on average, teenage drivers have the most expensive rates of any age group. At $1,276, drivers in their 50s have the smallest payments among any age group. However, those in their 60s ($1,314) have premiums that aren't much higher. In Tacoma, when drivers reach their 20s, therefore moving out of the teenage age bracket, they save an average of 67% on car insurance. It is the largest gap between any age group. Car insurance premiums for drivers in Tacoma continue to fall through their 50s, but they can anticipate a change when they hit 60.

  • Teenagers: $5,869
  • 20s: $1,929
  • 30s: $1,412
  • 40s: $1,346
  • 50s: $1,276
  • 60s: $1,314
  • 70s: $1,662

Tacoma Car Insurance by Accident or Violation History

Do you know how much an accident or violation on your driving record can cost you in terms of premiums? $705 is the additional cost per year for drivers with a DUI in Tacoma, compared to the city average of $1,437. Reckless driving will push your rates up as well, with average rates of $2,261. That is 57% higher than the city average! Accidents happen, even to safe drivers, so be prepared and learn the effect one can have on your rates. Being at-fault in an accident costs drivers an additional $469 per year in premiums compared to the city average.

  • DUI: $2,142
  • Reckless Driving: $2,261
  • At-fault Accident (damages less than $1000): $1,906
  • At-fault Accident (damages greater than $2000): $1,906
  • Speeding Ticket (16-20 mph over speed limit): $1,692

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Tacoma Car Insurance by Credit Rating

Average car insurance premiums in Tacoma for those with Very Poor credit (300-579) are 2.3x higher than for those with Exceptional credit (800-850). Drivers will see the biggest reduction in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $290 per year.

  • Very Poor: $2,749
  • Fair: $2,239
  • Good: $1,831
  • Very Good: $1,510
  • Exceptional: $1,220

Tacoma Car Insurance by Gender and Marital Status

Car insurance premiums in Tacoma are influenced by marital status and gender. Premiums are cheaper for men than for women. Men usually pay 2% less than women every year for insurance. Individuals who are married save approximately 4% per year compared to those who are single. Rates for those who are widowed are slightly cheaper than rates for those who are single.

  • Female: $1,468
  • Male: $1,437
  • Single: $1,437
  • Married: $1,377
  • Divorced: $1,437
  • Widowed: $1,414