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

What does average car insurance cost in Tacoma? Not only do we find the overall cheapest vehicles to insure, we break them out by automotive segment to truly find the cheapest auto insurance in Tacoma, WA.

Start a Free QuoteCompare Tacoma car insurance quotes and save on your next policy.

  • Average car insurance cost in Tacoma is $2,532 per year, or approximately $211 per month, for a full-coverage policy.
  • Car insurance rates for a few popular vehicles in Tacoma include the Toyota RAV4 at $195 per month, Toyota Camry at $227, and Nissan Sentra at $194.
  • 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 $2,532 per year, or about $211 per month. When compared to the national average rate, Tacoma car insurance cost is 13.1% more expensive per year.

In the state of Washington, the average cost to insure a vehicle is $2,304 per year, so the cost in Tacoma averages $228 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 Tacoma for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Tacoma for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Tacoma includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Tacoma, WA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,824$485
Safe Driver Age 20$5,094$425
At-fault Accidents Age 40$3,586$299
Low Deductibles Age 40$3,314$276
Safe Driver Age 30$2,702$225
Safe Driver Age 40$2,532$211
Safe Driver Age 50$2,242$187
High Deductibles Age 40$2,130$178
Discount Rate Age 40$2,106$176
Safe Driver Age 60$2,102$175

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

Average car insurance rates in the chart above range from $2,106 per year for a 40-year-old driver with many policy discounts to $5,824 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 $176 to $485.

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 – $9,018 per year or $752 per month
  • 17 year old – $8,735 per year or $728 per month
  • 18 year old – $7,832 per year or $653 per month
  • 19 year old – $7,129 per year or $594 per month
  • 20 year old – $5,094 per year or $425 per month
  • 30 year old – $2,702 per year or $225 per month
  • 40 year old – $2,532 per year or $211 per month
  • 50 year old – $2,242 per year or $187 per month
  • 60 year old – $2,102 per year or $175 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.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Tacoma includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Tacoma, WA for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$9,018$8,425
17-Year-Old$8,735$8,372
18-Year-Old$7,832$7,224
19-Year-Old$7,129$6,030

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 26, 2025

Car insurance for a 16-year-old female driver in Tacoma costs an average of $593 less per year than the cost for a 16-year-old male, while at age 19, the cost difference is significantly less but still $1,099 per year.

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.

Average cost to insure popular 2024 model year vehicles in Tacoma.
Figure 3: Average cost to insure popular 2024 model year vehicles in Tacoma. Rates updated on June 26, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Tacoma Zip Codes.

Tacoma, Washington Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$2,158$180
Subaru Forester$2,252$188
Nissan Rogue$2,274$190
Toyota Highlander$2,302$192
Chevrolet Equinox$2,330$194
Toyota RAV4$2,334$195
Chevrolet Traverse$2,362$197
Toyota Corolla$2,466$206
Hyundai Santa Fe$2,574$215
Toyota Camry$2,718$227
Chevrolet Silverado$2,802$234
Ford Bronco$2,808$234
Ford F150$2,834$236
Jeep Wrangler$2,892$241
Ram Truck$2,930$244

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Tacoma, WA Zip Codes. Updated June 26, 2025

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 $175 to $752 – 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 – $2,532 (Tacoma average) compared to $2,221 (U.S. average)
  • Car insurance with low deductibles costs more – A 30-year-old driver pays an average of $688 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 $2,562 per year cheaper than for a 20-year-old driver.
  • Tacoma car insurance rates are more expensive than the Washington state average – $2,532 (Tacoma average) versus $2,304 (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 $171 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, Honda CR-V, Honda HR-V, 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 $2,202 or less per year ($184 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.

Top 20 Cheapest Auto Insurance Rates in Tacoma, Washington
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,868$156
2Chevrolet Trailblazer$1,902$159
3Kia Soul$1,976$165
4Nissan Kicks$1,994$166
5Honda Passport$2,016$168
6Buick Envision$2,028$169
7Toyota Corolla Cross$2,042$170
8Hyundai Venue$2,056$171
9Mazda CX-5$2,064$172
10Ford Bronco Sport$2,074$173
11Volkswagen Tiguan$2,094$175
12Acura RDX$2,116$176
13Nissan Murano$2,126$177
14Buick Encore$2,148$179
15Subaru Outback$2,154$180
16Honda CR-V$2,158$180
17Buick Envista$2,164$180
18Volkswagen Taos$2,168$181
19Kia Niro$2,180$182
20Toyota GR Corolla$2,198$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tacoma, WA Zip Codes. Updated June 27, 2025

Top 20 cheapest vehicles to insure in Tacoma, WA with the Subaru Crosstrek ranking first at $1,868 per year
Top 20 cheapest vehicles to insure in Tacoma, WA with the Subaru Crosstrek ranking first at $1,868 per year

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.

Car insurance average cost by automotive segment in Tacoma, WA.
Figure 4: Car insurance average cost by automotive segment in Tacoma, WA. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Tacoma Zip Codes.

Car Insurance Rates by Automotive Segment in Tacoma, WA
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,324$194
Midsize SUV$2,498$208
Compact Car$2,500$208
Minivan$2,506$209
Midsize Pickup$2,556$213
Midsize Car$2,580$215
Compact Luxury SUV$2,744$229
Compact Luxury Car$2,782$232
Large SUV$2,796$233
Half-ton Pickup$2,806$234
Heavy Duty Pickup$2,910$243
Midsize Luxury SUV$3,004$250
Midsize Luxury Car$3,104$259
Sports Car$3,484$290
Large Car$3,644$304
Large Luxury SUV$3,918$327
Large Luxury Car$4,050$338

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Tacoma, WA Zip Codes. Updated June 26, 2025

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 $2,366 per year for a full coverage policy to the Mercedes-Benz AMG GLE63 costing $4,268 per year, a difference of $1,902 within that segment.

As another example, in the sports car segment, the cost of insurance ranges from the Mazda MX-5 Miata costing $2,342 per year up to the Mercedes-Benz SL 63 costing $5,202 per year, a difference of $2,860 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 $2,326 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 $2,466 per year or less.

Additional cars worth mentioning include the Volkswagen Jetta, Mazda 3, Toyota Crown, and Nissan Versa, which cost between $2,466 and $2,618 per year for insurance in Tacoma.

Auto insurance for this segment in Tacoma starts at around $183 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 $2,198 per year, or $183 per month. For midsize models, the Kia K5 is the cheapest model to insure at $2,438 per year, or $203 per month. And for large cars, the Chrysler 300 has the best rates at $2,410 per year, or $201 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 $2,198 per year ($183 per month) and ending with the Mazda 3 at $2,618 per year ($218 per month).

Cheapest Insurance for Cars in Tacoma, Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,198$183
Nissan LeafCompact$2,216$185
Honda CivicCompact$2,242$187
Nissan SentraCompact$2,322$194
Subaru ImprezaCompact$2,326$194
Toyota PriusCompact$2,364$197
Kia K5Midsize$2,438$203
Honda AccordMidsize$2,446$204
Chevrolet MalibuMidsize$2,456$205
Toyota CorollaCompact$2,466$206
Kia ForteCompact$2,472$206
Volkswagen ArteonMidsize$2,486$207
Nissan VersaCompact$2,496$208
Subaru LegacyMidsize$2,496$208
Hyundai Ioniq 6Midsize$2,520$210
Mitsubishi Mirage G4Compact$2,558$213
Toyota CrownMidsize$2,560$213
Volkswagen JettaCompact$2,562$214
Hyundai SonataMidsize$2,568$214
Mazda 3Compact$2,618$218

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tacoma, WA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Tacoma, WA, with the Toyota GR Corolla ranking first at $2,198 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Tacoma, WA, with the Toyota GR Corolla ranking first at $2,198 per year.

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 $1,868 per year, Chevrolet Trailblazer at $1,902 per year, Kia Soul at $1,976 per year, and Nissan Kicks at $1,994 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 $2,074 per year or less.

Additional 2024 models worth mentioning include the Nissan Murano, Buick Envista, Subaru Outback, Honda CR-V, and Subaru Ascent, which average between $2,074 and $2,202 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 $156 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.

Cheapest Insurance for SUVs in Tacoma, Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,868$156
Chevrolet TrailblazerCompact$1,902$159
Kia SoulCompact$1,976$165
Nissan KicksCompact$1,994$166
Honda PassportMidsize$2,016$168
Buick EnvisionCompact$2,028$169
Toyota Corolla CrossCompact$2,042$170
Hyundai VenueCompact$2,056$171
Mazda CX-5Compact$2,064$172
Ford Bronco SportCompact$2,074$173
Volkswagen TiguanCompact$2,094$175
Nissan MuranoMidsize$2,126$177
Buick EncoreCompact$2,148$179
Subaru OutbackMidsize$2,154$180
Honda CR-VCompact$2,158$180
Buick EnvistaMidsize$2,164$180
Volkswagen TaosCompact$2,168$181
Kia NiroCompact$2,180$182
Honda HR-VCompact$2,202$184
Subaru AscentMidsize$2,202$184

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tacoma, WA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Tacoma, WA, with the Subaru Crosstrek ranking first at $1,868 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Tacoma, WA, with the Subaru Crosstrek ranking first at $1,868 per year.

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 $2,252 per year, BMW 330i at $2,578 per year, Mercedes-Benz CLA250 at $2,604 per year, and Lexus IS 300 at $2,610 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 $2,660 per year or less.

Car insurance in this segment for the average driver will start around $188 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 $2,252 per year ($188 per month) and ending with the Audi S3 at $2,838 per year ($237 per month).

Cheapest Insurance for Luxury Cars in Tacoma, Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,252$188
BMW 330iCompact$2,578$215
Mercedes-Benz CLA250Midsize$2,604$217
Lexus IS 300Midsize$2,610$218
Acura TLXCompact$2,620$218
Cadillac CT4Compact$2,642$220
Lexus ES 350Midsize$2,642$220
Genesis G70Compact$2,650$221
Mercedes-Benz AMG CLA35Midsize$2,654$221
Lexus RC 300Midsize$2,660$222
Lexus IS 350Compact$2,672$223
Jaguar XFMidsize$2,678$223
Cadillac CT5Midsize$2,728$227
Lexus ES 250Midsize$2,740$228
Lexus RC 350Compact$2,744$229
BMW 330eCompact$2,748$229
BMW 228iCompact$2,752$229
BMW 230iCompact$2,774$231
Lexus ES 300hMidsize$2,778$232
Audi S3Compact$2,838$237

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tacoma, WA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Tacoma, WA, with the Acura Integra ranking first at $2,252 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Tacoma, WA, with the Acura Integra ranking first at $2,252 per year.

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 $2,116 per year, Lexus NX 250 at $2,240 per year, Cadillac XT4 at $2,284 per year, and Jaguar E-Pace at $2,366 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 $2,438 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, Acura MDX, Mercedes-Benz GLA35 AMG, and Lexus NX 350 average between $2,438 and $2,538 to insure per year in Tacoma.

From a monthly standpoint, full-coverage insurance on this segment in Tacoma will start around $176 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 $2,116 per year ($176 per month) and ending with the Lexus RX 350 at $2,538 per year ($212 per month).

Cheapest Insurance for Luxury SUVs in Tacoma, Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,116$176
Lexus NX 250Compact$2,240$187
Cadillac XT4Compact$2,284$190
Jaguar E-PaceMidsize$2,366$197
Lexus NX 350hCompact$2,388$199
Cadillac XT5Midsize$2,390$199
Lincoln CorsairCompact$2,418$202
Mercedes-Benz GLB 250Compact$2,422$202
Lexus UX 250hCompact$2,426$202
Lexus NX 450hCompact$2,438$203
Infiniti QX50Midsize$2,458$205
Mercedes-Benz GLA250Compact$2,468$206
Cadillac XT6Midsize$2,476$206
Mercedes-Benz GLA35 AMGCompact$2,476$206
Infiniti QX60Midsize$2,490$208
Mercedes-Benz AMG GLB35Midsize$2,494$208
Land Rover EvoqueCompact$2,526$211
Acura MDXMidsize$2,530$211
Lexus NX 350Compact$2,538$212
Lexus RX 350Midsize$2,538$212

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tacoma, WA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Tacoma, WA, with the Acura RDX ranking first at $2,116 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Tacoma, WA, with the Acura RDX ranking first at $2,116 per year.

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 $2,342 per year, the Toyota GR86 at $2,668 per year, and the Ford Mustang at $2,784 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 $3,030 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 $3,030 and $4,286 per year to insure in Tacoma.

Car insurance in this segment for an average middle-age driver will start around $195 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 $195 per month and ending with the Porsche Taycan at $357 per month.

Cheapest Insurance for Sports Cars in Tacoma, Washington
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,342$195
Toyota GR86Sports Car$2,668$222
Ford MustangSports Car$2,784$232
BMW Z4Sports Car$2,796$233
Subaru WRXSports Car$2,840$237
Toyota GR SupraSports Car$2,842$237
BMW M2Sports Car$2,928$244
Nissan ZSports Car$2,932$244
Lexus RC FSports Car$2,992$249
Subaru BRZSports Car$3,030$253
BMW M3Sports Car$3,196$266
Porsche 718Sports Car$3,260$272
Chevrolet CamaroSports Car$3,292$274
Chevrolet CorvetteSports Car$3,508$292
Porsche 911Sports Car$3,626$302
BMW M4Sports Car$3,778$315
Lexus LC 500Sports Car$3,796$316
Jaguar F-TypeSports Car$3,992$333
Mercedes-Benz AMG GT53Sports Car$4,190$349
Porsche TaycanSports Car$4,286$357

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tacoma, WA Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Tacoma, WA, with the Mazda MX-5 Miata ranking first at $2,342 per year.
Ranking of the cheapest sports cars to insure in Tacoma, WA, with the Mazda MX-5 Miata ranking first at $2,342 per year.

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 $2,228 per year, Nissan Titan at $2,368 per year, Nissan Frontier at $2,396 per year, and Ford Ranger at $2,418 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 $2,602 per year or less.

Auto insurance rates in Tacoma for this segment for the average driver can cost as low as $186 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 $2,228 per year and ending with the Ram Truck at $2,930 per year.

Cheapest Insurance for Pickups in Tacoma, Washington
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,228$186
Nissan TitanFull-size$2,368$197
Nissan FrontierMidsize$2,396$200
Ford RangerMidsize$2,418$202
Ford MaverickMidsize$2,456$205
Honda RidgelineMidsize$2,510$209
Hyundai Santa CruzMidsize$2,554$213
Toyota TacomaMidsize$2,564$214
GMC Sierra 2500 HDHeavy Duty$2,576$215
GMC CanyonMidsize$2,602$217
Jeep GladiatorMidsize$2,668$222
GMC Sierra 3500Heavy Duty$2,680$223
Chevrolet Silverado HD 3500Heavy Duty$2,708$226
Chevrolet Silverado HD 2500Heavy Duty$2,778$232
GMC SierraFull-size$2,794$233
Nissan Titan XDHeavy Duty$2,798$233
Chevrolet SilveradoFull-size$2,802$234
Ford F150Full-size$2,834$236
GMC Hummer EV PickupFull-size$2,904$242
Ram TruckFull-size$2,930$244

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tacoma, WA Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Tacoma, WA, with the Chevrolet Colorado ranking first at $2,228 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Tacoma, WA, with the Chevrolet Colorado ranking first at $2,228 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 $2,802 per year, or around $234 per month, and ranges from $2,320 to $6,500.

Average 2024 Chevrolet Silverado insurance premiums in Tacoma for different driver ages and risk scenarios.
Figure 5: Average 2024 Chevrolet Silverado insurance premiums in Tacoma for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Tacoma includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Tacoma, WA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,500$542
Safe Driver Age 20$5,686$474
At-fault Accidents Age 40$4,002$334
Low Deductibles Age 40$3,614$301
Safe Driver Age 30$2,978$248
Safe Driver Age 40$2,802$234
Safe Driver Age 50$2,488$207
High Deductibles Age 40$2,386$199
Safe Driver Age 60$2,330$194
Discount Rate Age 40$2,320$193

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 26, 2025

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 $2,322 per year (about $194 per month) and ranges from $1,924 to $5,272 per year.

Average 2024 Nissan Sentra insurance premiums in Tacoma for different driver ages and risk scenarios.
Figure 6: Average 2024 Nissan Sentra insurance premiums in Tacoma for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Tacoma includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Tacoma, WA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,272$439
Safe Driver Age 20$4,586$382
At-fault Accidents Age 40$3,284$274
Low Deductibles Age 40$2,934$245
Safe Driver Age 30$2,462$205
Safe Driver Age 40$2,322$194
Safe Driver Age 50$2,076$173
High Deductibles Age 40$1,998$167
Safe Driver Age 60$1,936$161
Discount Rate Age 40$1,924$160

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 26, 2025

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 $2,274 per year, or about $190 per month, and varies from $1,890 to $5,198 for the specific drivers in the chart.

Average 2024 Nissan Rogue insurance premiums in Tacoma for different driver ages and risk scenarios.
Figure 7: Average 2024 Nissan Rogue insurance premiums in Tacoma for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Tacoma includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Tacoma, WA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,198$433
Safe Driver Age 20$4,536$378
At-fault Accidents Age 40$3,220$268
Low Deductibles Age 40$2,926$244
Safe Driver Age 30$2,422$202
Safe Driver Age 40$2,274$190
Safe Driver Age 50$2,024$169
High Deductibles Age 40$1,934$161
Safe Driver Age 60$1,894$158
Discount Rate Age 40$1,890$158

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 27, 2025

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 $2,718 per year (about $227 per month) and varies from $2,262 to $6,252.

Average 2024 Toyota Camry insurance premiums in Tacoma for different driver ages and risk scenarios.
Figure 8: Average 2024 Toyota Camry insurance premiums in Tacoma for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Tacoma includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Tacoma, WA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,252$521
Safe Driver Age 20$5,480$457
At-fault Accidents Age 40$3,838$320
Low Deductibles Age 40$3,610$301
Safe Driver Age 30$2,908$242
Safe Driver Age 40$2,718$227
Safe Driver Age 50$2,402$200
High Deductibles Age 40$2,262$189
Discount Rate Age 40$2,262$189
Safe Driver Age 60$2,248$187

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 26, 2025

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 $674 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 $374 per year for a 40-year-old driver and $724 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.