For a 40-year-old driver with a clean record, car insurance in Tacoma, WA, 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 puts it 20% over Washington’s average of $254 a month. GEICO has the lowest full-coverage average among insurers anyone can buy from in our Tacoma table, 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, so it pays to compare auto insurance quotes in Tacoma, WA, before you buy or renew.
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 Oct. 7, 2026.
Full coverage in Tacoma, WA, averages about $305 a month ($3,664 a year), and liability-only coverage at Washington’s 25/50/10 minimum averages $116 a month, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. The Washington average is $254 a month, which makes this 20% higher.
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.
Cheap auto insurance in Tacoma, WA, starts with the insurer: for our benchmark driver, GEICO has the lowest full-coverage average of the six major insurers we compared (Allstate, GEICO, PEMCO, Progressive, Safeco and State Farm), about $187 a month, 17% below State Farm. The gap between the lowest and highest insurer averages here is far wider than the gap between Tacoma ZIP codes.
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Tacoma table. USAA averages even less, at $146 a month, but it sells only to military members, veterans and their families. The four recent statewide Washington rate studies we reviewed, one per publisher, disagree on which insurer is cheapest for full coverage: two put GEICO first, one Oregon Mutual and one Mutual of Enumclaw, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, GEICO has the lowest average among the six major insurers we compared that are among insurers anyone can buy from, at about $81 a month, followed by State Farm and Progressive, effectively tied at $95 and $97. USAA comes in even lower, at about $59 a month, but it sells only to military families.
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)* | $713 | $59 | $1,750 | $146 |
| American Family* | $1,616 | $135 | $2,758 | $230 |
| Travelers* | $1,356 | $113 | $2,935 | $245 |
| Farmers* | $1,300 | $108 | $3,040 | $253 |
| Tacoma average | $1,397 | $116 | $3,664 | $305 |
This table uses Tacoma ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
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 | $3,689 | $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 | $3,581 | $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 for our benchmark driver.
For our benchmark driver, full coverage isn’t going up. 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 nine months earlier to $3,948 in rates 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%; Allstate’s and Safeco’s averages were unchanged. GEICO is new in our rates over the past nine months, 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. In Lakewood, GEICO has the lowest full-coverage average of these six insurers, about $181 a month, followed by State Farm at $214. Because Washington lets insurers set rates by where you keep your car, your exact address can move your price.
Of the six Washington cities we publish guides for, Allstate, Progressive and State Farm each charge the most here, at about $299, $253 and $224 a month, while GEICO’s $187 is close to its Seattle average.
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 13 miles northeast, averages $296 a month, and Seattle, about 25 miles north, $292. Bellevue averages $267. For the statewide picture, see our guide to Washington car insurance rates.
Every car insurance policy in Tacoma must meet Washington’s minimums. Each 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.
The average cost of car insurance in Tacoma, WA, is about $305 a month ($3,664 a year) for full coverage and $116 a month for liability-only coverage at Washington’s 25/50/10 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 20% above the Washington average of $254 a month.
GEICO has the lowest full-coverage average among insurers anyone can buy from in our Tacoma table, at about $187 a month, followed by State Farm at $224. USAA, which sells only to military members, veterans and their families, has a lower average still ($146 a month). For liability-only coverage, GEICO has the lowest average among insurers anyone can buy from, at about $81 a month. 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. Washington law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Tacoma must carry Washington’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries and $10,000 for property damage (25/50/10). Insurers must also include underinsured motorist coverage, which covers uninsured and hit-and-run drivers too, and personal injury protection unless you reject them in writing.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO is new over the past nine months), 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%.
For our benchmark driver, full coverage in Tacoma averages about $305 a month. Nearby, Kent averages about $296, Seattle about $292 and Bellevue about $267. Kent, Seattle and Bellevue are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
