Buy Cheap Tacoma, WA Auto Insurance

The cheapest Tacoma, WA auto insurance rates are offered by Nationwide, although rates will vary by driver. Auto insurance in Tacoma must meet the state minimum liability requirements of 25/50/10, but drivers are encouraged to carry higher limits to avoid costly payouts. Compare Tacoma, WA car insurance quotes online to find the best deal for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Nationwide has the cheapest auto insurance in Tacoma, WA
  • Tacoma, WA auto insurance is higher than the state and national averages
  • Theft and icy weather contribute to the high car insurance rates in Tacoma

Tacoma, WA auto insurance is very expensive and higher than average. Although Washington auto insurance is about average, Tacoma drivers pay increased rates.

However, you can find affordable Tacoma, WA auto insurance if you know where to look. Shop around and compare quotes for the best rates and coverages.

Enter your Zip code now to compare free Tacoma, WA auto insurance quotes.

What is the cheapest auto insurance company in Tacoma, WA?

Nationwide offers the cheapest average auto insurance in Tacoma, WA, but rates will be different for each driver.

The top-rated Tacoma, WA auto insurance companies ranked in order of least to most expensive are:

  • Nationwide – $2,620.93
  • USAA – $2,647.08
  • GEICO – $3,092.98
  • State Farm – $3,405.19
  • Farmers – $3,794.04
  • Progressive – $3,851.48
  • American Family – $4,310.19
  • Allstate – $4,662.26
  • Liberty Mutual – $4,982.08

There are many different factors that affect your Tacoma auto insurance rates. Factors like your age, gender, ZIP code, marital status, driving record, and credit history are all used to calculate your rates.

Tacoma, WA weather also plays a part in the high car insurance rates. When slick roads add to general driving at night dangers, more accidents happen, driving up your costs.

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What auto insurance coverage is required in Tacoma, WA?

Auto insurance is required in Tacoma, WA to drive legally. The state minimum requirements Tacoma drivers must carry are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

This is not a lot of coverage, especially considering the high cost of health care and the rising cost of automobiles. You can exhaust those limits very easily and then are liable for the remaining costs.

Drivers in Tacoma should consider carrying more than just the state minimum auto insurance coverages to avoid having to pay out of pocket in the event of a serious accident.

What affects auto insurance rates in Tacoma, WA?

Traffic and auto theft also affect your Tacoma, WA auto insurance rates.

Although there is no data for Tacoma, INRIX ranks nearby Seattle, WA as the 14th most congested city in the U.S. and 64th in the world.

City-Data reports that drivers in Tacoma, WA have an average commute time of 35 minutes, and many drivers commute an hour or more.

Auto theft is another issue that can increase your car insurance rates. According to the FBI, there were 2,086 motor vehicle thefts in one year in Tacoma.

Tacoma, WA Auto Insurance: The Bottom Line

Although Tacoma auto insurance is expensive, there are ways to save. Before you buy Tacoma, WA auto insurance, shop around and compare rates online to find the best deals.

Enter your ZIP code now to start comparing Tacoma, WA auto insurance quotes for free.

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