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Cheap Car Insurance in Tacoma, Washington

Find out more about Tacoma to get a cheap car insurance rate. The port city of Tacoma lies on Washington State’s Puget Sound, a Pacific Ocean inlet that is part of the Puget Sound region that includes the cities of Seattle, Olympia and Everett. Home to an estimated 208,000, Tacoma is only 32 miles from Seattle. Commuters chose Tacoma because of a lower cost of living and for its hiking, biking, rock climbing and snowboarding opportunities.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Tacoma. Come get your free customized auto insurance quote today!

Driving Conditions in Tacoma

Interstate 5 takes travelers through Tacoma, going north to Seattle and south to Portland, Oregon. The Puget Sound region is not immune from rush hour congestion, though a 2013 Texas A&M Traffic Institute Study suggests traffic in this region is also highly unpredictable. The study placed Seattle-Tacoma in ninth place among the country’s top 15 metros with average hours lost to traffic congestion. Tacoma’s average commute time of just over 25 minutes is on par, however, with the U.S. Average, according to Census Bureau data. For traffic maps, cameras, construction and delay information, visit

Unique Laws in Tacoma

A Tacoma municipal code states it is unlawful for a driver to eat or drink behind the wheel – even non-alcoholic beverages. Though not many drivers are pulled over for sipping coffee in the car, the ordinance falls under the category of distracted driving. A recently passed statewide law also covers distracted driving, and it, too, can apply to eating or grooming behind the wheel.

In more obscure and somewhat strange laws, it is, according to Washington laws, illegal to buy meat or mattresses on Sunday, to harass Bigfoot or other questionable species, or to walk around in public when one has a cold.

Tacoma Crime Statistics

The Seattle-Tacoma-Bellevue metro area landed at No. 22 on the National Insurance Crime Bureau’s 2016 ranking of cities with highest vehicle theft rates, sliding down two spots from No. 20 on the same ranking the year prior. The area had an auto theft rate of 554 incidents per 100,000 people based on 2016 data, more than double the national average of 220 incidents per 100,000 people.

Tacoma Safety Requirements

A recently passed distracted driving law taking effect in 2017 prohibits use of virtually all handheld gadgets behind the wheel, and includes composing or reading any kind of message, picture or data while moving or at a stop light or sign. Smartphones mounted on the dashboard for a navigational map are OK, but the new law permits only minimal touching of the screen to activate the device. Seat belts are required for everyone in the car, and the driver is held responsible for buckling or restraining all passengers under age 16. Children who reach age 8 or 4 feet, 9 inches tall, whichever comes first, must ride in a safety seat or booster.

Tacoma Impaired Driving Laws

Washington State was one of the first states to legalize the possession and purchase of marijuana for users over 21, though they may not resell it or grow it. It remains illegal, however, to drive under the influence of marijuana.

According to the Washington State Department of Licensing, you can get a DUI if you are affected by drugs or alcohol or both, and this applies to both legal and illegal drugs. Separate license revocations apply for a DUI arrest and a DUI conviction. The legal limit of blood alcohol levels is .08 for adults, .04 for commercial drivers and .02 for drivers under 21. In addition to license suspension, first offenders face jail time, fines, alcohol evaluation and a future ignition interlock device requirement.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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