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How much is car insurance in Tacoma?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Tacoma are about $14 a month more expensive than the rest of Washington.
Likewise, Tacoma residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $9 cheaper than it is in Tacoma.
While these numbers represent the average monthly payments for coverage in Tacoma, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Tacoma and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may creep back up a bit in Tacoma.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Tacoma, however, male and female drivers both pay about the same rate for car insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay much less than those with infractions. Drivers in Tacoma with a single accident will pay around $113 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $105.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$100|
|15 Years or Older||$89|
According to the first table above, SUVs, trucks, and vans are typically the cheapest vehicles to insure in Tacoma, with drivers paying around $86 per month to insure their vehicle.
Car owners, meanwhile, pay on average $91 per month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Tacoma, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
More often than not, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Tacoma reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$143|
Your living situation is another factor that affects your monthly rate. In Tacoma, homeowners can expect to pay around $14 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Tacoma, WA
Recent trends in car insurance for Tacoma drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of auto insurance coverage in Tacoma have been mixed as of late, it declined in 2017, rose in 2019, and decreased again in 2021, before finishing at $78 in 2022.
How does Tacoma compare to neighboring areas?
Why are car insurance rates in Tacoma different from other areas?
Car insurance companies will take into account numerous factors when deciding how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Community laws
- Amount of drivers in the area
- General road safety (how many accidents each locality has)
- Off-street parking accessibility
- Crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Tacoma?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer plans in Tacoma.
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Tacoma Insurance FAQs
What factors affect car insurance quotes in Tacoma?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Tacoma different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Tacoma?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Tacoma?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Tacoma or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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