Car Insurance Cost in Tacoma, WA – 2025 Rates + Cheapest to Insure

• Average car insurance cost in Tacoma is $2,576 per year, or approximately $215 per month, for a full-coverage policy.
• Car insurance rates for a few popular vehicles in Tacoma include the Toyota RAV4 at $198 per month, Toyota Camry at $231, and Nissan Sentra at $197.
• Compact SUV models like the Nissan Kicks, Chevrolet Trailblazer, Toyota Corolla Cross, and Volkswagen Tiguan are the top picks for having cheap car insurance in Tacoma.
• A few vehicles with the most affordable auto insurance in Tacoma for their segment include the Kia K5, Subaru Crosstrek, Mercedes-Benz CLA250, Acura Integra, and Nissan Titan.
• Auto insurance quotes in Tacoma can vary significantly from as low as $26 per month for just liability insurance to well over $721 per month for teens and other high-risk drivers.

How much does car insurance cost in Tacoma?

Average car insurance rates in Tacoma cost $2,576 per year, or about $215 per month. When compared to the national average rate, Tacoma car insurance cost is 12.4% more expensive per year.

In the state of Washington, the average cost to insure a vehicle is $2,350 per year, so the cost in Tacoma averages $226 more per year. When prices are compared to other cities in Washington, the average cost to insure a car in Tacoma is approximately $26 per year more expensive than in Seattle, $362 per year more than in Spokane, and $194 per year more expensive than in Bellevue.

The chart below displays additional costs for drivers age 20 to 60 by showing a range of rates for different driver ages, risk profiles, and policy deductibles.

Average car insurance rates in the chart above range from $2,140 per year for a 40-year-old driver with many policy discounts to $5,926 per year for a 30-year-old driver who has a subpar driving record and has to buy high risk car insurance.

When the rates in the chart are converted for monthly budgeting, the average cost of car insurance per month in Tacoma ranges from $178 to $494.

The age of the rated driver has the single biggest impact on the price you pay for auto insurance. The list below illustrates this point by showing average car insurance rates in Tacoma depending on driver age.

Average cost of car insurance in Tacoma, Washington, for drivers age 16 to 60

• 16 year old – $9,173 per year or $764 per month
• 17 year old – $8,888 per year or $741 per month
• 18 year old – $7,967 per year or $664 per month
• 19 year old – $7,255 per year or $605 per month
• 20 year old – $5,182 per year or $432 per month
• 30 year old – $2,750 per year or $229 per month
• 40 year old – $2,576 per year or $215 per month
• 50 year old – $2,286 per year or $191 per month
• 60 year old – $2,140 per year or $178 per month

The rates above for drivers age 16 to 19 were based on a male driver. The chart below illustrates car insurance cost for teens by gender. Females are usually a little cheaper to insure, especially in the teen years.

Car insurance for a 16-year-old female driver in Tacoma costs an average of $603 less per year than the cost for a 16-year-old male, while at age 19, the cost difference is significantly less but still $1,120 per year.

The cost to insure specific vehicles

The prior rates are averaged for all 2024 vehicle models, which is handy when making big picture comparisons such as the difference in average auto insurance cost by location or driver age.

Average auto insurance rates are terrific for answering questions like “are car insurance rates in Tacoma cheaper than in Vancouver?” or “are Washington car insurance rates cheaper than in New York?”.

For more complete cost comparisons, however, the data will be more precise if we instead use rates for the exact make and model of vehicle being insured. Each make and model has a unique profile for determining how much it costs to insure it and this data provides the means to perform more detailed insurance cost analysis.

The next chart details insurance rates in Tacoma for a handful of the more popular vehicles. Later, there is a section that covers rates for some of these models in more detail.

Vehicles that are popular in Tacoma tend to be small or midsize cars like the Volkswagen Jetta, Honda Civic, and Honda Accord and compact and midsize SUVs like the Nissan Rogue and Chevy Traverse.

A few additional popular models from different automotive segments include luxury cars like the Lexus ES 350, Acura ILX, and Tesla Model S, luxury SUVs like the Infiniti QX60, Acura MDX, and BMW X5, and pickup trucks like the Toyota Tacoma, Ram 1500, and Ford Ranger.

We explore many more auto rates in the upcoming sections, but before we get into that, let’s rehash the key concepts and comparisons that were discussed so far.

• Average car insurance cost per month ranges from $178 to $764 – That’s the average car insurance price range for drivers age 16 to 60 in Tacoma.
• Tacoma car insurance costs more than the U.S. average – $2,576 (Tacoma average) compared to $2,276 (U.S. average)
• Car insurance with low deductibles costs more – A 30-year-old driver pays an average of $698 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
• Car insurance gets more affordable as you get older – Insurance rates for a 40-year-old driver in Tacoma are $2,606 per year cheaper than for a 20-year-old driver.
• Tacoma car insurance rates are more expensive than the Washington state average – $2,576 (Tacoma average) versus $2,350 (Washington average)

What is the cheapest car insurance in Tacoma, Washington?

The models with the lowest cost average car insurance quotes in Tacoma tend to be crossovers and small SUVs like the Kia Soul, Subaru Crosstrek, and Toyota Corolla Cross.

Average insurance quotes for those small SUVs cost $175 or less per month for full coverage.

Examples of other vehicles that have affordable auto insurance rates in the comparison table below are the Buick Encore, Subaru Outback, Toyota GR Corolla, and Ford Bronco Sport.

Rates are somewhat higher for those models than the compact SUVs at the top of the list, but they still have average rates of $2,238 or less per year ($187 per month).

The following table shows the 20 cars, trucks, and SUVs with the cheapest insurance rates in Tacoma, sorted by annual and monthly insurance cost.

A table showing 20 vehicles with the cheapest insurance in Tacoma serves the purpose if you just want the absolute lowest rates. A more efficient way to group rates for more models is by organizing them by segment.

The next section goes into detail about the average cost of car insurance for each different vehicle segment. The rates shown should give you a good foundation of the types of vehicles that have the least expensive average auto insurance rates. Then the six sections following the chart display the 20 models with the most affordable insurance for the most popular automotive segments.

Tacoma auto insurance rates by automotive segment

If you are considering buying a new vehicle, it’s useful to have an idea of which kinds of vehicles have better car insurance rates in Tacoma.

As an example, you may be wondering if midsize cars have cheaper auto insurance than full-size cars or which size car has more affordable insurance.

The chart below displays the average car insurance cost in Tacoma for each automotive segment. When comparing rates from a segment perspective, compact SUVs, vans, and midsize pickups tend to have the least expensive average rates, while sports cars, large luxury cars, and performance exotic cars have the most expensive overall rates.

Average car insurance rates by segment are practical for comparing estimates, but cost ranges considerably within each automotive segment shown in the above chart.

For example, in the midsize luxury SUV segment, average Tacoma insurance rates range from the Jaguar E-Pace at $2,408 per year for a full coverage policy to the Mercedes-Benz AMG GLE63 costing $4,344 per year, a difference of $1,936 within that segment.

As another example, in the sports car segment, the cost of insurance ranges from the Mazda MX-5 Miata costing $2,384 per year up to the Mercedes-Benz SL 63 costing $5,294 per year, a difference of $2,910 within that segment.

In these next sections, we reduce this variability by analyzing the cost of car insurance in Tacoma for specific vehicle models.

Cheapest cars to insure in Tacoma

Ranking at the top of the list for the lowest-cost Tacoma car insurance rates in the car segment (excluding luxury models) are the Nissan Sentra, Nissan Leaf, Subaru Impreza, Honda Civic, and Toyota GR Corolla. Car insurance prices for these 2024 models average $2,368 or less per year.

Some other cars that rank well in our comparison are the Toyota Prius, Toyota Corolla, Honda Accord, and Kia K5, with an average car insurance cost of $2,510 per year or less.

Additional cars worth mentioning include the Toyota Crown, Mazda 3, Volkswagen Jetta, and Nissan Versa, which cost between $2,510 and $2,664 per year for insurance in Tacoma.

Auto insurance for this segment in Tacoma starts at around $187 per month, depending on where you live and the company you use.

When prices are compared by vehicle size, the cheapest non-luxury compact car to insure in Tacoma is the Toyota GR Corolla at $2,238 per year, or $187 per month. For midsize models, the Kia K5 is the cheapest model to insure at $2,482 per year, or $207 per month. And for large cars, the Chrysler 300 has the best rates at $2,454 per year, or $205 per month.

The comparison table below ranks the twenty cars with the most affordable average auto insurance rates in Tacoma, starting with the Toyota GR Corolla at $2,238 per year ($187 per month) and ending with the Mazda 3 at $2,664 per year ($222 per month).

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Tacoma car insurance quotes from the best auto insurance companies in Washington.

Cheapest SUV insurance rates in Tacoma

The four most affordable SUVs to insure in Tacoma are the Subaru Crosstrek at $1,904 per year, Chevrolet Trailblazer at $1,938 per year, Kia Soul at $2,014 per year, and Nissan Kicks at $2,028 per year.

Not the cheapest, but still in the top 10, are models like the Hyundai Venue, Ford Bronco Sport, Toyota Corolla Cross, and Buick Envision, with an average car insurance cost of $2,110 per year or less.

Additional 2024 models worth mentioning include the Nissan Murano, Buick Envista, Honda CR-V, Subaru Outback, and Subaru Ascent, which average between $2,110 and $2,242 per year for auto insurance in Tacoma.

From a cost per month standpoint, full-coverage car insurance in Tacoma on this segment for the average driver starts at around $159 per month, depending on where you live and the company you use.

The table below ranks the twenty SUVs with the lowest-cost average auto insurance rates in Tacoma.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV not in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Tacoma car insurance quotes from the best companies in Washington.

Cheapest luxury cars to insure in Tacoma

The four highest ranking luxury cars with the cheapest insurance rates in Tacoma are the Acura Integra at $2,292 per year, BMW 330i at $2,624 per year, Mercedes-Benz CLA250 at $2,652 per year, and Lexus IS 300 at $2,658 per year.

Rounding out the top 10 are cars like the Lexus ES 350, Mercedes-Benz AMG CLA35, Lexus RC 300, and Cadillac CT4, with average annual insurance rates of $2,708 per year or less.

Car insurance in this segment for the average driver will start around $191 per month, depending on where you live and the company you use. The rate comparison table below ranks the cars with the most affordable insurance in Tacoma, starting with the Acura Integra at $2,292 per year ($191 per month) and ending with the Audi S3 at $2,890 per year ($241 per month).

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see your luxury car? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Tacoma car insurance quotes from top-rated companies in Washington.

Cheapest luxury SUVs to insure in Tacoma, Washington

The four highest ranking luxury SUVs with the lowest-cost insurance rates in Tacoma are the Acura RDX at $2,154 per year, Lexus NX 250 at $2,280 per year, Cadillac XT4 at $2,328 per year, and Jaguar E-Pace at $2,408 per year.

Not the cheapest luxury SUVs to insure, but still affordable, are luxury SUVs like the Lexus NX 450h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus UX 250h, with an average cost to insure of $2,484 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury SUVs to insure, SUVs like the Infiniti QX60, Infiniti QX50, Cadillac XT6, Land Rover Evoque, Mercedes-Benz GLA35 AMG, and Lexus NX 350 average between $2,484 and $2,586 to insure per year in Tacoma.

From a monthly standpoint, full-coverage insurance on this segment in Tacoma will start around $180 per month, depending on the company.

The comparison table below ranks the SUVs with the cheapest insurance rates in Tacoma, starting with the Acura RDX at $2,154 per year ($180 per month) and ending with the Lexus RX 350 at $2,586 per year ($216 per month).

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see your luxury SUV in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Washington.

Cheapest sports cars to insure

The three highest ranking sports cars with the lowest-cost car insurance in Tacoma are the Mazda MX-5 Miata at $2,384 per year, the Toyota GR86 at $2,714 per year, and the Ford Mustang at $2,832 per year.

Not the cheapest sports cars to insure, but still very reasonable, are models like the Subaru BRZ, Toyota GR Supra, Lexus RC F, and Nissan Z, with average cost of $3,078 per year or less.

Some additional vehicles worth mentioning include the Jaguar F-Type, Porsche Taycan, Chevrolet Camaro, BMW M3, and Porsche 718, which average between $3,078 and $4,364 per year to insure in Tacoma.

Car insurance in this segment for an average middle-age driver will start around $199 per month, depending on the company.

The next table ranks the sports cars with the most affordable average auto insurance rates in Tacoma, starting with the Mazda MX-5 Miata at $199 per month and ending with the Porsche Taycan at $364 per month.

Looking for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Tacoma.

Cheapest pickup insurance rates

The four cheapest pickup trucks to insure in Tacoma are the Chevrolet Colorado at $2,268 per year, Nissan Titan at $2,410 per year, Nissan Frontier at $2,436 per year, and Ford Ranger at $2,462 per year.

Some other pickups that rank well in our comparison are the Honda Ridgeline, GMC Canyon, GMC Sierra 2500 HD, and Hyundai Santa Cruz, with an average car insurance cost of $2,652 per year or less.

Auto insurance rates in Tacoma for this segment for the average driver can cost as low as $189 per month, depending on the company and your location. The rate comparison table below ranks the twenty pickups with the cheapest car insurance in Tacoma, starting with the Chevrolet Colorado at $2,268 per year and ending with the Ram Truck at $2,978 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Is your pickup truck missing from the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Washington.

Price variation for driver risk

To help clarify the amount that the cost of car insurance can deviate from one person to the next (and also emphasize the importance of accurate rate quotes), the sections below visualize many different rates for four popular models in Tacoma: the Chevrolet Silverado, Nissan Sentra, Nissan Rogue, and Toyota Camry.

Each vehicle example uses a variety of different driver profiles to illustrate the possible variation when changes are made to the rated driver.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Tacoma averages $2,848 per year, or around $237 per month, and ranges from $2,360 to $6,612.

The Chevrolet Silverado is considered a full-size truck, and other similar models that are popular in Tacoma, WA, include the GMC Sierra, Nissan Titan, Ford F150, and Toyota Tundra.

Nissan Sentra insurance rates

Insurance for a Nissan Sentra in Tacoma costs an average of $2,362 per year (about $197 per month) and ranges from $1,962 to $5,364 per year.

The Nissan Sentra is classified as a compact car, and other top-selling models from the same segment include the Toyota Corolla, Chevrolet Cruze, and Volkswagen Jetta.

Nissan Rogue insurance rates

In Tacoma, Nissan Rogue insurance costs an average of $2,316 per year, or about $193 per month, and varies from $1,924 to $5,290 for the specific drivers in the chart.

The Nissan Rogue is part of the compact SUV segment, and other similar models include the Subaru Forester, Ford Escape, and Chevrolet Equinox.

Toyota Camry insurance rates

Insurance for a Toyota Camry in Tacoma costs an average of $2,768 per year (about $231 per month) and varies from $2,302 to $6,362.

The Toyota Camry is a midsize car, and other popular models include the Chevrolet Malibu, Hyundai Sonata, and Honda Accord.

Best practices for saving money on car insurance

Financially savvy drivers are always looking to pay less for auto insurance, so scan the money-saving tips below to see if you can save a little money on your next policy.

• Remove unneeded coverage on older vehicles. Dropping full coverage from vehicles that are older can cheapen the cost substantially.
• Avoid filing small claims. Most insurance companies give a discount if you have no claims. Car insurance should only be used in the case of significant financial loss, not for small claims.
• Choose vehicles that have more affordable auto insurance. The make and model of vehicle you drive is one of the primary factors in the price you pay for car insurance. For example, a Subaru Outback costs $682 less per year to insure in Tacoma than a Nissan 370Z. Lower performance equals cheaper rates.
• Lower policy cost by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Compare insurance cost before buying a car. Different cars, and even different trim levels of the same car, can have significantly different car insurance premiums, and companies can charge widely varying rates. Check prices before you purchase in order to avoid any surprises when you see your first insurance bill.