Tacoma Car Insurance

Your Complete Guide to Tacoma, WA, Car Insurance

(Don't pay more than you have to for your auto insurance coverage)

Tacoma Washington Car Insurance

Car accidents are a common occurrence across the country, and Tacoma is no exception. Whether you are in a fender bender during your morning commute or a more serious accident on a weekend road trip, having the right types and amounts of car insurance coverage can help make a stressful situation a lot easier. 

Independent insurance agents in Tacoma make finding the right auto insurance coverage simple. They can help you understand local laws and get the auto policy you need. Find an independent insurance agent today to get started.

How Much Does Car Insurance Cost in Tacoma, WA?

Car insurance rates in Washington fall in line with the national average. While you won't pay more for insurance just because you live in Tacoma, it's smart to shop around for the best rates.

  • National average annual car insurance cost: $889
  • Washington average annual car insurance cost: $884

Quotes from car insurance companies will vary from the average. Each company has its own algorithms and criteria they use to come up with insurance prices. Your rates may be based on some or all of the following: 

  • The make, model, and year of every vehicle you are insuring
  • Your age, gender, occupation, and marital status
  • Your driving record and credit score
  • Information about other licensed drivers in your household
  • Whether you own or rent your home
  • The amount of your deductible
  • The amount of liability insurance you are purchasing
  • The coverage options you are including in your policy

Tacoma drivers who bundle their auto insurance with renters insurance or homeowners insurance can get significant discounts. Talk with your agent about other ways to decrease the amount you pay for auto insurance. 

Your agent can help you compare rates so you get the most coverage for your money. 

What Does Tacoma Car Insurance Cover?

Your car insurance policy must meet certain minimum liability limits according to the state of Washington. While you must carry liability coverage, you don't have to purchase personal injury protection or uninsured motorist coverage. 

If you have a loan or lease, your lender may have insurance requirements that include collision and comprehensive coverage.

Look for these insurance options when you get quotes from potential insurers:

  • Liability insurance: (Required)  After a covered accident that you cause, this policy covers costs associated with someone else's physical recovery and repair or replacement of damaged property. Washington state requires:
    • Bodily injury liability coverage of at least $25,000 per person and $50,000 per accident.
    • Property damage liability coverage of at least $10,000 per accident.
  • Personal injury protection: (PIP) (Optional) This policy pays for cost of medical care for you and your passengers if you are in a crash, regardless of who is at fault.
  • Uninsured motorist insurance: (Optional) This policy pays for non-covered injuries and property damage you suffer after an accident with an uninsured or underinsured driver.
  • Collision insurance: (Partially optional) This policy repairs or replaces your car if you are in a collision with another vehicle or an object. 
  • Comprehensive insurance: (Partially optional) This policy repairs or replaces your car if it is damaged or lost as the result of theft, vandalism, flooding, falling objects, or fire. 
  • Roadside assistance and towing: (Optional) This policy helps you get back on the road as soon as possible if you run out of gas, lock your keys in the car, get a flat tire, or are stranded due to mechanical failure of your vehicle. 
  • Rental reimbursement coverage: (Optional) This policy pays your rental costs if you need a car while yours is being repaired after a covered event. 

Your agent can help you decide which coverage types make the most sense for your situation and your budget. 

What Is the Penalty for Driving without Insurance in Tacoma?

Driving without insurance is illegal in Washington. If you don't have insurance, you must have a liability bond, self insurance, or certificate of deposit on file with the state of Washington.

If caught without insurance, uninsured drivers face:

  • A fine ranging of $550 or more
  • Suspension of drivers license

There are more uninsured drivers in Washington than the national average. 

  • Percentage of US drivers who are uninsured: 13%
  • Percentage of Washington drivers who are uninsured: 17.4%

How High Is the Auto Theft Rate in Tacoma?

The auto theft rate in Washington is higher than the national average, and in Tacoma, the risk is nearly double the state average.

  • National auto theft rate per 1,000 vehicles: 2.37%
  • Washington auto theft rate per 1,000 vehicles: 4.43%
  • Tacoma auto theft rate per 1,000 vehicles: 8.70%

You can only be covered for losses after the theft of your vehicle if you have a policy that includes comprehensive coverage. This policy also covers non-collision damage like hail, wind, and other common hazards. 

If you have a lease or loan on your car, you may already have a comprehensive policy. Your agent can help you understand your current coverage and fill any gaps with a complete auto insurance policy. 

Why Work with an Independent Insurance Agent in Tacoma, WA?

An independent insurance agent in Tacoma can shop dozens of highly rated insurance companies on your behalf. They do the legwork, and you enjoy a single (expert) point of contact. 

To find out how working with an independent agent could help you get the best possible auto insurance. Contact an insurance agent today. 

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