Cheap Auto Insurance Quotes in Tacoma, WA (2023)

While Seattle tends to be a popular destination in Washington, the city of Tacoma has become more and more frequented by travelers in recent years. Named one of the most walkable cities in America, Tacoma still sees its fair share of busy roads. Interstate 5 runs directly through the city center and can be quite busy at all hours of the day. Drivers in Tacoma are encouraged to purchase a comprehensive auto insurance policy, as accidents can happen in the city’s wet weather in the blink of an eye.

Car Insurance in Tacoma, WA

The average cost of Washington car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Tacoma, WA to find you the cheapest quotes in the area.

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• Cheap Car Insurance Washington

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Cheapest Car Insurance in Tacoma, WA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Tacoma, WA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Tacoma. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Washington

All motor vehicles operated or parked on Washington roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Washington^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Washington is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Tacoma Car Insurance Rates by Driver Age

The older you are, the better your insurance rates become in Tacoma. While teen drivers pay the most monthly for insurance in Tacoma at $545, drivers in their 60s pay the least, at $204. Why? The older driver has more experience on the road. There’s an exception to this, however. Drivers in their 70s do pay $5 more per month for insurance than drivers in their 60s. This is because they carry a higher accident risk than the driver who is a decade younger.

Tacoma Car Insurance Rates by Driving and Accident History

When you make a driving mistake or take unnecessary risks on the road, prepare for your insurance to go up in Tacoma. Run a red light in this city, and your monthly insurance bill will average $273. While this is only slightly higher than the premium for a driver without any marks against them, every little bit adds up. Those with an at-fault accident on their record pay the most in Tacoma, averaging $316 in monthly insurance premiums.

See More:

• High-risk Car Insurance Washington

• DUI Car Insurance Washington

Tacoma Car Insurance Rates by Credit Tier

How good is your credit? If you aren’t already managing it, you probably should be. Credit-based insurance scores help insurance companies determine insurance rates. What does your credit score have to do with insurance premiums? Studies have linked credit score with accident risk. Lower scores reflect a higher risk, which calls for higher insurance premiums. Those with poor credit scores pay $16 more monthly for car insurance than those with excellent scores in Tacoma. That’s $192 a year in savings for drivers whose credit is in better shape.

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Tacoma, WA DMV Information

Completing your DMV tasks is a fairly easy process because the city has two locations for residents. One is open Monday through Friday from 8:30 a.m. to 4:30 p.m., while the other offers 8 a.m. to 5:30 p.m. hours along with Saturday hours from 8 a.m. to 1 p.m. Additional locations can be accessed if you’re willing to take a short drive, and some services can be completed through the mail.

Public Transportation in Tacoma, WA

Public transportation in the greater Tacoma area is fairly robust, with a bus system that operates in and around the city. If you’re trying to get around in the downtown area, the Tacoma Link light-rail is a smart choice, although the city is easy to navigate on foot as well. Rideshare options like Uber or Lyft are also available, and if you’re considering calling a traditional taxi service, expect wait times of at least 30 minutes.

For more detailed Washington city level guides, check out these below.

• Average Cost of Car Insurance Rates in Washington

• DUI Car Insurance Rates in Washington

• High-Risk Driver Car Insurance Rates in Washington

• Washington Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Washington

• SR-22 Insurance in Washington

How to get the best and cheapest car insurance in Tacoma, WA

Tacoma is a fairly easy city to navigate from behind the wheel, but if you’re not up for driving, you can still make your way from A to B with the ease of public transportation options. Beautiful scenery and an affordable cost of living have made Tacoma’s popularity soar in recent years, so it’s only a matter of time before this city becomes more and more congested.

If you live in Tacoma and you’re curious whether you can save on your auto insurance, visit Insurify today. Simply answer a few easy questions and you’ll be able to compare quotes from the nation’s top insurance companies. Most drivers find that they save more than they thought they could with Insurify.

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