Best Auto Insurance Rates in Tacoma, Washington

On average, your neighbors pay $73 a month.

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Compare Auto Insurance Quotes in Tacoma, WA

What do Bing Crosby, Dale Chihuly, Gary Larson, and John Kitna have in common? They were all born in Tacoma, Washington, as many locals know. Tacoma is home to the Tacoma Dome, UW Tacoma campus, and much, much more. As such, Tacoma residents should compare quotes to make sure they’re getting the cheapest car insurance possible.

Average Tacoma Car Insurance Rates

How much is car insurance in Tacoma, WA? If you own a car in Tacoma, expect to pay high insurance rates. A high car theft rate, a high accident rate, and slick driving conditions are some of the factors that make it so costly to insure a car here. On average, auto insurance in Washington costs $871.87 a year. The national average cost is $866.31. Tacoma car insurance rates are much higher than the state average.

How much you pay will vary depending on your driving record and the number of claims filed in your zip code.

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $590.00
Collision $257.24
Comprehensive $104.87
Total Cost Per Year $871.87
Price Per Month $72.65

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Tacoma, Washington and save up to 40% on your premium.

Last year, 7,549 people used QuoteWizard to compare car insurance quotes in Tacoma, WA from multiple companies, and find the cheapest rates.

Top 10 Vehicles in Tacoma

This is our list of the most common car makes and models owned by Tacoma drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Ford Explorer
  4. Ford Ranger
  5. Ford Mustang
  6. Ford Taurus SE
  7. Chevrolet Cavalier
  8. Honda Civic DX
  9. Toyota Camry LE/XLE
  10. Kia Soul
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Tacoma

This is our list of the most common car insurance companies reported by QuoteWizard users living in Tacoma, WA last year when they requested a quote.

Other popular Tacoma, Washington car insurance companies: AIG, AAA, Hartford, MetLife, Pemco, Country Financial, 21st Century, and Travelers.

Tacoma Drivers

According to a recent report on safe driving published by Allstate Insurance, Tacoma ranks 172nd out of 200 US cities in terms of driver safety. While most drivers in the US go 10 years without being involved in an accident, drivers here are involved in crashes every 7.1 years.

Tacoma drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors that can influence your insurance rates are the weather and road conditions.

Weather

Wet, slick roads due to near constant drizzle for half of the year and pouring rain from November through January can make driving conditions less than ideal in Tacoma. Luckily, it seldom snows but when it does you're better off staying at home and taking a snow day because city services will be slow to respond, if at all.

Road Conditions

The Washington State DOT reports that approximately 36% of Tacoma's 1,574 lane miles of arterial streets are in need of repair. According to TRIP, a Washington, DC non-profit transportation research group, 42% of the major roads in Washington State are in poor condition and another 28% are mediocre. The TRIP report also reports that the poor condition of Tacoma streets costs local drivers an additional $693 a year due to higher vehicle operating costs.

Traffic Congestion

If you live in or drive through Tacoma, you already know how bad traffic congestion can be. I-5 runs right through the city and it can back up any time of day, weekday or weekend. These delays cost residents countless hours and money each year in wasted gas, time, and vehicle wear and tear.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The City of Tacoma website allows residents to pay parking and traffic infractions, tells drivers how to contest tickets and request hearings, and provides helpful traffic court information.

DUI Arrests

Tacoma Police arrested 319 adults for suspicion of DUI in 2016.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in Tacoma DWI insurance.

Traffic Fatalities

Tacoma officials reported 4,756 traffic collisions in 2016. 1,445 of these accidents resulted in minor injuries. 72 of them resulted in at least one serious injury. 19 of the collisions resulted in fatalities.

Vehicle Theft Rates

Tacoma Police recorded 2,746 vehicle thefts in 2016. This works out to 13.3 stolen cars per 1,000 residents. This is over five times the national average of 2.20 per 1,000 people.

Given how prolific vehicle theft is in the Tacoma area, drivers should talk to their insurance agents or carriers about comprehensive insurance, which protects against vehicle theft.

Legal Minimum Insurance Requirements

Tacoma, Washington has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The total your carrier will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. Below are some of the auto insurance discounts available to drivers in Tacoma, WA. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  2. Safe driver. If you have a perfect driving record, you may qualify for the accident free discount.
  3. Install anti-theft devices or a car alarm system
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. Live in a safe zip code with lower crime rates. People that live in zip code where lots of insurance claims are filed pay higher rates
  6. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  7. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  8. Get married. Some insurers offer a discount to married drivers
  9. Maintain at least a B grade point average ion school to qualify for the good student discount
  10. Shop around and compare cheap auto insurance quotes in Tacoma to discover all the discounts you may be missing out on

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