The average full coverage car insurance cost in Tacoma is $129 per month. Rates vary widely, from $130 to $385, depending on the policy and driver details. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Tacoma, WA, Car Insurance
Updated: January 13, 2025
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Cheapest Car Insurance in Tacoma: Key Takeaways
PEMCO and CIG offer some of Tacoma's most affordable car insurance options for various driver profiles.
PEMCO provides the cheapest car insurance rates, with monthly costs of $19 for minimum coverage and $60 for full coverage.
The average monthly car insurance costs are $67 for minimum coverage and $129 for full coverage.
Car Insurance Quotes in Tacoma, WA
| Young Drivers | $88 | $171 |
| Teens | No Data | $385 |
| Seniors | $72 | $130 |
| Drivers With an Accident | $99 | $187 |
| Drivers With a Speeding Ticket | $85 | $165 |
| Drivers With a DUI | $101 | $200 |
| Bad Credit | $71 | $135 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Tacoma vs. State Average
Washington
State Average Full Coverage Rate
$1,422
Tacoma, WA
City Average Full Coverage Rate
$1,547Tacoma Car Insurance is Costly:$125 more
This is 9% more expensive.
What Is the Average Car Insurance Rate in Tacoma?
In Tacoma, full coverage car insurance averages $1,547 per year, and minimum coverage costs around $809. These rates are higher than Washington's averages of $1,422 and $733, respectively.
| State Average | $733 | $1,422 |
| Tacoma Average | $809 | $1,547 |
Cheapest Car Insurance Companies in Tacoma
Even with rising premiums in Washington, you can find affordable car insurance in Tacoma. PEMCO offers the cheapest minimum coverage at just $19 monthly and full coverage at $60.
WHY CAR INSURANCE IN TACOMA IS EXPENSIVE
Car insurance in Tacoma is costly due to high traffic, frequent claims and its ranking among Washington's most expensive cities for coverage. Statewide issues, including uninsured drivers, personal injury lawsuits and insurance fraud, also increase rates.
Cheap Car Insurance in Tacoma
PEMCO is often Tacoma's cheapest car insurance provider, but rates vary by driver. To find the best deal, get quotes from multiple companies. Below is a table showing the lowest rates for different driver profiles.
| PEMCO | Minimum Coverage | $19 |
| PEMCO | Full Coverage | $60 |
| CIG | Teens | $203 |
| PEMCO | Young Adults | $50 |
| PEMCO | Seniors | $42 |
| PEMCO | Bad Credit | $40 |
| PEMCO | Drivers With a DUI | $66 |
| PEMCO | Drivers With an Accident | $54 |
| PEMCO | Drivers With a Speeding Ticket | $50 |
Car Insurance Rates in Tacoma by Company
Compare rates from multiple companies to find the cheapest car insurance. Below, we show you Tacoma's most affordable minimum and full coverage options.
Cheapest Car Insurance Companies for Minimum Coverage in Tacoma
PEMCO offers the cheapest minimum coverage auto insurance in Tacoma at $19 monthly, followed by Auto-Owners at $44. The table below breaks down the most affordable options.
| PEMCO | $19 | $48 |
| Auto-Owners | $44 | $23 |
| State Farm | $46 | $21 |
| Travelers | $50 | $17 |
| Progressive | $51 | $16 |
| Chubb | $55 | $13 |
| Nationwide | $56 | $12 |
| American Family | $59 | $8 |
| GEICO | $61 | $6 |
| Farmers | $67 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Tacoma
PEMCO offers the cheapest full coverage car insurance in Tacoma at $60 monthly. For more options, explore the list of providers below.
| PEMCO | $60 | $69 |
| Kemper | $80 | $49 |
| American Family | $90 | $39 |
| Progressive | $90 | $39 |
| State Farm | $95 | $34 |
| Travelers | $100 | $29 |
| Nationwide | $104 | $25 |
| Auto-Owners | $108 | $21 |
| Farmers | $116 | $13 |
| GEICO | $117 | $12 |
| Chubb | $123 | $6 |
| Allstate | $129 | $0 |
Car Insurance Companies in Tacoma
PEMCO offers the cheapest car insurance in Tacoma at $477 per year and has the best MoneyGeek score of 90 out of 100. Check out the table below for more options.
| PEMCO | 90 | $477 |
| Chubb | 88 | $1,067 |
| American Family | 78 | $896 |
| Auto-Owners | 77 | $912 |
| State Farm | 71 | $845 |
| Nationwide | 66 | $957 |
| Travelers | 65 | $900 |
| Progressive | 63 | $848 |
| Farmers | 61 | $1,095 |
| GEICO | 61 | $1,072 |
| Allstate | 58 | $1,254 |
| Kemper | 55 | $905 |
| National General | 47 | $1,736 |
| Dairyland | No Data | $3,525 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Tacoma by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates in Tacoma, averaging $1,547 per year for 40-year-olds and $1,560 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,028 | $-1,015 |
| 17 | $3,040 | $-1,027 |
| 18 | $2,593 | $-580 |
| 19 | $2,282 | $-269 |
| 20 | $2,359 | $-346 |
| 21 | $1,814 | $200 |
| 22 | $1,963 | $50 |
| 23 | $2,052 | $-39 |
| 24 | $1,922 | $91 |
| 25 | $2,052 | $-475 |
| 40 | $1,547 | $30 |
| 65 | $1,560 | $17 |
Cheapest Car Insurance for Teens in Tacoma
Kemper provides the cheapest overall car insurance for teens in Tacoma, with full coverage at $158 monthly, saving $70 compared to the state average. The table below breaks down the most affordable providers for this age group.
| Kemper | $158 | $70 | $222 |
| CIG | $174 | $54 | $203 |
| Allstate | $178 | $50 | $463 |
| Nationwide | $190 | $38 | $527 |
| Travelers | $200 | $28 | $302 |
| GEICO | $228 | $-0 | $424 |
| State Farm | $256 | $-28 | $317 |
| Farmers | $276 | $-48 | $421 |
| Progressive | $390 | $-162 | $588 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Tacoma
PEMCO offers the lowest monthly rates for young drivers in Tacoma: $24 for minimum coverage and $76 for full coverage. Explore the table below to compare affordable options across different driver profiles.
| PEMCO | Minimum Coverage | $24 |
| PEMCO | Full Coverage | $76 |
| PEMCO | Bad Credit | $50 |
| PEMCO | Drivers With a DUI | $74 |
| PEMCO | Drivers With an Accident | $63 |
| PEMCO | Drivers With a Speeding Ticket | $58 |
Cheapest Car Insurance Companies for Young Drivers in Tacoma
PEMCO offers the most affordable auto insurance for young drivers in Tacoma at $50 per month. The table below shows other companies with competitive rates.
| PEMCO | $50 | $80 |
| American Family | $78 | $51 |
| Progressive | $86 | $44 |
| Travelers | $88 | $42 |
| State Farm | $94 | $36 |
| Farmers | $110 | $20 |
| Allstate | $110 | $20 |
| Kemper | $112 | $18 |
| Auto-Owners | $113 | $17 |
| Chubb | $122 | $7 |
| Nationwide | $123 | $7 |
| GEICO | $124 | $6 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Tacoma
PEMCO and State Farm offer some of Tacoma's most affordable car insurance rates, though prices vary based on your situation. The table below shows the cheapest providers for different driver and coverage profiles.
| PEMCO | Minimum Coverage | $21 |
| PEMCO | Full Coverage | $64 |
| PEMCO | Bad Credit | $42 |
| State Farm | Drivers With a DUI | $74 |
| PEMCO | Drivers With an Accident | $61 |
| PEMCO | Drivers With a Speeding Ticket | $56 |
Cheapest Car Insurance for Seniors in Tacoma
PEMCO offers the cheapest monthly premium for seniors, $42, for minimum and full coverage policies. State Farm follows at $67. The table below shows the top car insurance providers for seniors in Tacoma.
| PEMCO | $42 | $58 |
| State Farm | $67 | $34 |
| Auto-Owners | $68 | $33 |
| Kemper | $68 | $32 |
| Travelers | $73 | $28 |
| Chubb | $74 | $26 |
| Progressive | $78 | $23 |
| American Family | $79 | $22 |
| Nationwide | $82 | $18 |
| Farmers | $95 | $6 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Tacoma
High-risk drivers in Tacoma often pay more for minimum coverage and full coverage than the state average. Drivers with bad credit or DUIs face the highest rates, while accidents and speeding tickets have a smaller effect.
| Tacoma Average | $1,142 | $2,207 |
| State Average | $1,027 | $2,012 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a speeding ticket, stay on your insurance record for three to five years. Insurers may keep a record for up to 10 years for more serious offenses, such as a DUI. These offenses often mean you'll need an SR-22 to meet Washington's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Tacoma
PEMCO offers the cheapest minimum coverage for drivers with a DUI in Tacoma at $407 annually. For full coverage, it's also the most affordable at $1,164. Check out the table below for more low-cost coverage options.
| PEMCO | $34 | $97 |
| State Farm | $53 | $109 |
| Progressive | $62 | $113 |
| Chubb | $69 | $156 |
| American Family | $70 | $108 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Tacoma
PEMCO, Auto-Owners and State Farm offer the cheapest auto insurance after an at-fault accident in Tacoma. The table below shows various providers offering affordable coverage.
| PEMCO | $27 | $81 |
| Auto-Owners | $57 | $145 |
| State Farm | $59 | $119 |
| Chubb | $69 | $156 |
| American Family | $71 | $112 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Tacoma
PEMCO is the cheapest car insurance provider for drivers with speeding tickets in Tacoma, offering minimum coverage at $24 and full coverage at $75 monthly. The table below shows how much other providers charge drivers with speeding tickets.
| PEMCO | $24 | $75 |
| State Farm | $53 | $109 |
| Auto-Owners | $59 | $149 |
| Chubb | $61 | $137 |
| Progressive | $67 | $123 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Tacoma
PEMCO offers the most affordable rates for drivers with bad credit in Tacoma, with minimum coverage at $19 and full coverage at $60 per month. See the table below for other affordable options.
| PEMCO | $19 | $60 |
| Progressive | $53 | $94 |
| State Farm | $48 | $98 |
| Travelers | $50 | $99 |
| Auto-Owners | $44 | $108 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Tacoma, WA
In Washington, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
Washington's minimum coverage ensures that basic costs for injuries and damage are covered if you're in an accident. However, additional coverage is needed for more comprehensive protection.
Cheap Car Insurance in Tacoma: Bottom Line
PEMCO offers Tacoma’s most affordable car insurance, with minimum coverage at $19 and full coverage at $60 per month. Regardless of age or credit, there are budget-friendly options to meet your needs. Ensure your policy includes Washington's required bodily injury liability, property damage liability and personal injury protection. Compare providers to find cost-effective coverage that complies with state law.
Tacoma Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Tacoma.
What is the cheapest car insurance company in Tacoma, WA?
PEMCO offers the most affordable car insurance in Tacoma, Washington. Monthly rates are as low as $19, saving drivers up to $48.
What is the best car insurance company in Tacoma, WA?
PEMCO offers the best auto insurance in Tacoma, Washington, with a MoneyGeek score of 90 out of 100. Annual premiums average $477.
How much does car insurance cost on average in Tacoma, WA?
In Tacoma, minimum coverage auto insurance costs range from $72 to $101 per month, depending on the driver's record and profile.
Best Cheap Car Insurance in Tacoma: Our Methodology
MoneyGeek analyzed Tacoma auto insurance prices using data from the Washington State Office of the Insurance Commissioner and Quadrant Information Services.
Tacoma Driver Profile
To assess the best and most affordable auto insurance options for Tacoma residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Tacoma
In assessing the car insurance quotes for Tacoma, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Washington's minimum coverage requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Tacoma providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes from insurance companies in Tacoma for the average driver of various ages driving a Toyota Camry with a clean record, barring specific exceptions.
For more details on how we conduct our studies, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.