Insurance Costs in Tacoma, WA
Auto insurance in Tacoma averages $1,538 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Tacoma, WA: What You Need to Know
Tacoma residents pay an average of $1,538 per year for full coverage auto insurance, which is 8.0% above the Washington state average and 8.1% below the national average.
With a population of 219,346, Tacoma is a mid-size city in Washington. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,538 | $128 |
| Standard Coverage (50/100/50) | $1,261 | $105 |
| State Minimum (25/50/10) | $646 | $54 |
Homeowners Insurance in Tacoma, WA
The average cost of homeowners insurance in Tacoma is $1,289 per year ($107/month), which is 29.2% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Tacoma, WA
Renters insurance in Tacoma averages $192 per year ($16/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Washington Cities
How to Save on Insurance in Tacoma
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Tacoma can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Tacoma, WA?
The average cost of car insurance in Tacoma, WA is $1,538 per year for full coverage, or about $128 per month. Minimum coverage costs around $646 per year.
Is car insurance expensive in Tacoma?
Car insurance in Tacoma is relatively affordable compared to many U.S. cities.
How much is home insurance in Tacoma?
Homeowners insurance in Tacoma costs an average of $1,289 per year. Your actual cost depends on your home's value, age, construction type, and specific location.