For a 40-year-old driver with a clean record, Tacoma car insurance averages about $305 a month ($3,664 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 20% above the Washington average of $254 a month. GEICO has the lowest full-coverage average of the six insurers we price, at about $187 a month.
Tacoma is the most expensive city in our Washington data. Our benchmark driver pays about $51 a month more here than the state average and about $13 a month more than in Seattle.
Our data covers 17 ZIP codes with a Tacoma mailing address, from about $285 a month in 98433 to $325 in 98418.
Cost data comes from the auto rates insurers file with state regulators, priced across all 17 Tacoma ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.
Full coverage in Tacoma averages $3,664 a year, or about $305 a month, for our benchmark driver. Liability-only coverage at Washington’s 25/50/10 minimum averages $1,397 a year ($116 a month), and 50/100/50 liability with comprehensive and collision averages $3,497 ($291 a month).
Safeco is far more expensive than the other insurers here: its full-coverage average of about $522 a month is 2.0 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Safeco, the Tacoma average would be about $262 a month.
GEICO has the lowest full-coverage average among the six insurers in our Tacoma rate data. USAA, American Family, Travelers and Farmers aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates. Among the published 2026 statewide Washington rate studies we reviewed, GEICO ranks cheapest for full coverage most often, apart from USAA, which sells only to military families; others put American Family, Oregon Mutual or Mutual of Enumclaw first. For liability-only coverage at 25/50/10 limits, GEICO has the lowest average among the insurers we price, at about $81 a month, followed by State Farm at $95.
Full-coverage averages by insurer in Tacoma
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $967 | $81 | $2,241 | $187 |
| State Farm | $1,142 | $95 | $2,684 | $224 |
| Progressive | $1,169 | $97 | $3,041 | $253 |
| Allstate | $1,547 | $129 | $3,586 | $299 |
| PEMCO | $1,622 | $135 | $4,169 | $347 |
| Safeco | $1,935 | $161 | $6,259 | $522 |
| USAA (military families)* | $615 | $51 | $1,373 | $114 |
| American Family* | $1,150 | $96 | $2,274 | $190 |
| Travelers* | $1,299 | $108 | $2,809 | $234 |
| Farmers* | $1,257 | $105 | $2,897 | $241 |
| Tacoma average | $1,397 | $116 | $3,664 | $305 |
This table uses Tacoma ZIP codes only. See how we calculated these rates.
Across the 17 Tacoma ZIP codes we price, full coverage for our driver ranges from about $285 a month in 98433 to $325 in 98418, a gap of $486 a year.
Lowest-priced Tacoma ZIP codes
Highest-priced Tacoma ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Tacoma’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 98402 | $1,351 | $113 | $3,659 | $305 | About average |
| 98403 | $1,342 | $112 | $3,574 | $298 | -2% |
| 98404 | $1,492 | $124 | $3,844 | $320 | +5% |
| 98405 | $1,410 | $118 | $3,726 | $311 | +2% |
| 98406 | $1,354 | $113 | $3,572 | $298 | -2% |
| 98407 | $1,364 | $114 | $3,581 | $298 | -2% |
| 98408 | $1,480 | $123 | $3,882 | $324 | +6% |
| 98409 | $1,409 | $117 | $3,696 | $308 | +1% |
| 98418 | $1,478 | $123 | $3,900 | $325 | +7% |
| 98422 | $1,400 | $117 | $3,688 | $307 | +1% |
| 98433 | $1,244 | $104 | $3,414 | $285 | -7% |
| 98443 | $1,394 | $116 | $3,555 | $296 | -3% |
| 98444 | $1,501 | $125 | $3,879 | $323 | +6% |
| 98445 | $1,437 | $120 | $3,653 | $304 | About average |
| 98446 | $1,362 | $114 | $3,580 | $298 | -2% |
| 98465 | $1,370 | $114 | $3,577 | $298 | -2% |
| 98466 | $1,358 | $113 | $3,499 | $292 | -4% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $167 a year on average in our Tacoma data, with the same $500 deductibles. That’s about $14 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 in our data, so for that insurer the higher limits cost less.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Tacoma ZIP codes, their full-coverage average fell from $4,016 a year in rates as of Nov. 30, 2025, to $3,948 as of Aug. 31, 2026, a 1.7% drop. State Farm cut its Tacoma average 8.0% and Progressive 4.9%, while PEMCO raised its average 1.2%, and Allstate and Safeco didn’t change theirs. GEICO isn’t in the November 2025 rates, so it’s left out, which is why these averages differ from the Tacoma average above. Liability-only coverage at 25/50/10 limits rose 6.6%, led by Progressive, which raised its liability-only average 31.3%.
Pierce County is the most expensive of the 33 Washington counties we price, at about $289 a month for full coverage, just ahead of King County ($283).
Nearby Pierce County towns are priced close to Tacoma: Lakewood averages about $291 a month, University Place $292, Puyallup $284 and Spanaway $298. Because Washington lets insurers set rates by where you keep your car, your exact address can move your price.
More Washington cities and towns are in the Washington rates by city table, and you can compare states on our car insurance rates by state page.
Kent, about 12 miles northeast, averages $296 a month, and Seattle, about 25 miles north, $292. Bellevue averages $267.
Drivers in Tacoma follow Washington’s rules. Every policy must include at least:
Insurers must also include underinsured motorist coverage, which in Washington covers uninsured and hit-and-run drivers too, and personal injury protection, unless you reject them in writing. Our Washington requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Washington law and the Washington Office of the Insurance Commissioner. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Tacoma averages about $305 a month ($3,664 a year) and liability-only coverage about $116 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 20% above the Washington average of $254 a month.
GEICO has the lowest full-coverage average in our Tacoma rate data, at about $187 a month, followed by State Farm at $224. For liability-only coverage, GEICO has the lowest average, at about $81 a month. USAA, American Family, Travelers and Farmers aren’t in the Quadrant rate data we analyze, but the published 2026 statewide Washington rate studies we reviewed most often rank GEICO cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Tacoma full coverage averages about $305 a month and Seattle about $292, a difference of about $13 a month. Pierce County is the most expensive county in our Washington data.
In our data, 98433 has the lowest full-coverage average in Tacoma, at about $285 a month, and 98418 the highest, at about $325. The ZIP code table on this page lists all 17.
In our Tacoma data, full coverage (100/300/100 with $500 deductibles) averages about $305 a month and liability-only coverage at 25/50/10 limits about $116, a difference of about $189 a month ($2,267 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO isn’t in the November 2025 rates), their Tacoma full-coverage average fell 1.7%, from about $4,016 to $3,948 a year. That’s higher than the Tacoma average of $3,664 because it leaves out GEICO. State Farm cut its Tacoma average 8.0% and Progressive 4.9%, while PEMCO raised its average 1.2%. Liability-only coverage at 25/50/10 limits rose 6.6%.
