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How much is car insurance in Tacoma?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $15 a month more expensive to insure your vehicle in Tacoma than it is in the rest of Washington.
Likewise, residents of Tacoma might expect to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Tacoma is about $10 more expensive than the average rate for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Tacoma, and that the rate you get could end up being something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Tacoma residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Tacoma may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Tacoma, however, men actually pay slightly less than female drivers to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Tacoma, drivers with one accident on their record will experience rates around $112 a month. Likewise, drivers with one ticket will be looking at a rate of around $160 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$91|
As you can see in the first table above, the cheapest vehicles to insure in Tacoma are typically SUVs, which run about $85 per month.
Truck and van drivers will see rates of about $86, while the rates for car owners average out to about $91 per month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Tacoma, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Tacoma can be as much as $20 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$149|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $14 a month more than homeowners in Tacoma. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
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 picking an insurance policy.
In Tacoma, auto insurance rates rose from 2016-2017, and rose again, from 2019-2020. They finished down in 2021, at $103 a month.
How does Tacoma compare to neighboring areas?
Why are car insurance rates in Tacoma different from other areas?
Car insurance companies look at several factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Regional crime rates
- Off-street parking availability
- Local regulations
- Number of drivers in the area
- General road safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Tacoma?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies providing coverage in Tacoma.
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 you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Tacoma different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Tacoma?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Tacoma or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?