Tacoma, Washington, has a population of approximately 212,000, with an average travel time of around 30 minutes. With so much time spent in the car, having adequate auto insurance in Tacoma is essential.
The average car insurance policy in Tacoma is $1,704 per year. This is more expensive than the state average in Washington ($1,380) and the national average of $1,560. Insurance in Tacoma also depends on your marital status, age, credit score, and other criteria.
Tacoma Annual Average | Washington Annual Average | United States |
---|---|---|
$1704 | $1380 | $1560 |
The difference in auto insurance premiums from one company to the next might be significant. However, for the average driver, USAA has the best prices in Tacoma.
Company | 100/300/100 per year |
---|---|
USAA | $685 |
PEMCO | $879 |
Progressive | $1,020 |
State Farm | $1,117 |
Travelers | $1,209 |
Allied | $1,282 |
Allstate | $1,297 |
American Family | $1,393 |
Farmers | $1,757 |
MetLife | $2,782 |
Company | State Minimum/Year |
---|---|
USAA | $351 |
Progressive | $481 |
PEMCO | $510 |
State Farm | $597 |
Travelers | $714 |
Allied | $772 |
Allstate | $789 |
American Family | $790 |
Farmers | $984 |
MetLife | $1,721 |
The age group that pays the least for vehicle insurance in Tacoma is those in their 50s, who pay an average of $1508 per year. The cost of insurance for Tacoma drivers in their 60s is likewise quite low, at $1570 per year.
Teenagers are the Tacoma drivers who pay the highest insurance prices. Getting out of your adolescent years is one of the simplest methods to cut your auto insurance rates as a driver in Tacoma. In Tacoma, the gap in rates paid by teenage drivers and drivers in their 20s is $5258, the biggest disparity of any age group.
Age Bracket | Average Annual Rate |
---|---|
Teenagers | $7536 |
20s | $2293 |
30s | $1668 |
40s | $1579 |
50s | $1508 |
60s | $1570 |
70s | $2007 |
In many circumstances, marital status plays a role in vehicle insurance costs. In general, married drivers pay less for vehicle insurance than single drivers. In Tacoma, married drivers pay $77 less for car insurance than single drivers. Rates for widowed people are likewise significantly lower than for single people. Insurance rates for widowed people in Tacoma are lower than for single people.
Marital Status | Average Annual Rate |
---|---|
Single | $1627 |
Married | $1627 |
Divorced | $1704 |
Widowed | $1677 |
Gender is also a factor in auto insurance premiums. Female drivers in Tacoma pay more for car insurance than male drivers: $49 per year, to be exact.
Gender | Average Annual Rate |
---|---|
Male | $1704 |
Female | $1753 |
Avoiding accidents and tickets is the greatest method to keep your vehicle insurance rates low, no matter where you reside. Insurance rate increases can be triggered by speeding tickets, reckless driving fines, DUIs and DWIs, and at-fault accidents.
DUI and reckless driving are two of the most expensive citations to receive. When compared to the citywide average, careless drivers in Tacoma risk an increase in insurance rates of $720 per year. For example, a DUI conviction can result in a rate rise of $756, while a speeding ticket might result in a rate increase of $372.
Incident | Average Annual Rate |
---|---|
DUI/ DWI | $2460 |
Reckless driving | $2424 |
At fault accident (damages <$1000) | $2231 |
At fault accident (damages >$2000) | $2521 |
Speeding ticket (16-20 mph overspeed limit) | $2077 |
Company | Rate Per Year |
---|---|
USAA | $796 |
PEMCO | $1,074 |
State Farm | $1,212 |
Allstate | $1,428 |
Progressive | $1,438 |
Allied | $1,460 |
Travelers | $1,623 |
American Family | $1,978 |
Farmers | $2,296 |
MetLife | $2,865 |
Company | Rate Per Year |
---|---|
USAA | $960 |
PEMCO | $1,174 |
State Farm | $1,310 |
Travelers | $1,691 |
Allied | $1,791 |
Allstate | $1,794 |
American Family | $2,056 |
Farmers | $2,406 |
Progressive | $2,486 |
MetLife | $7,490 |
Company | Rate Per Year |
---|---|
State Farm | $1,215 |
Progressive | $1,312 |
USAA | $1,430 |
PEMCO | $1,435 |
Allstate | $1,738 |
Travelers | $1,895 |
Allied | $2,144 |
American Family | $2,672 |
Farmers | $2,679 |
MetLife | $6,055 |
In many circumstances, a driver's credit score is linked to their vehicle insurance premiums. Drivers in Tacoma who raise their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save up to 61 percent on their car insurance. One of the most effective steps a driver can take in the pursuit of lower auto insurance premiums is to move from the "Very Poor" credit tier to the "Fair" credit tier. Improving your credit to "Fair" in Tacoma results in a $1,347 reduction in annual vehicle insurance prices.
Credit score | Average Annual Rate |
---|---|
Very poor | $3434 |
Fair | $2087 |
Good | $1704 |
Very Good | $1531 |
Excellent | $1357 |
Zip code | Average Annual Rate |
---|---|
98433 | $1793 |
98408 | $1500 |
98444 | $1224 |
98445 | $1500 |
98404 | $1368 |
98466 | $1332 |
98409 | $1392 |
98406 | $1164 |
98446 | $1056 |
Tacoma ranks 5th/ 25 cities in terms of Auto theft
Criteria | Average Count per year(2016-2019) |
---|---|
Fatal accident | 16 |
Vehicles involved in fatal accidents | 26 |
Fatal accidents involving drunk people | 3 |
Fatalities | 17 |
Persons involved in fatal accidents | 35 |
Pedestrians involved in fatal accidents | 6 |
Tacoma traffic can be the stuff of nightmares, but understanding how to escape the worst of it is essential to getting through the remaining parts of it. Here are some pointers to handle it expertly:
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Tacoma drivers pay about $90 per month for vehicle insurance.
Certain insurers will provide you with better rates than others based on a variety of characteristics, so you may get a better bargain from one insurer over another for numerous reasons, which is why it's critical to shop around.
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