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Get Cheap Car Insurance in Northeast Tacoma, Tacoma, WA

We monitor insurance prices, helping the average driver in Northeast Tacoma save up to 34.8% on car insurance.

 

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The Cheapest Minimum Coverage in Northeast Tacoma

The chart below shows the cheapest car insurance company in Northeast Tacoma for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Progressive, and Geico.

 
Northeast Tacoma Insurer Monthly Cost
Metromile $57
State Farm $63
Progressive $70
Geico $76

Savings for Every Kind of Northeast Tacoma Driver

The table shows how much the average auto insurance customer in Northeast Tacoma might save by following our recommendations.

Based on our extensive insurance data, we know the average Northeast Tacoma driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $482 per year by choosing the right vehicle insurance company. Some Northeast Tacoma residents are paying out over $1,645 extra every year for auto insurance in Northeast Tacoma. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Northeast Tacoma Car Insurance vs. Tacoma

People living in Northeast Tacoma pay an average of 17.19% more than the typical driver in the state. The average driver in Northeast Tacoma can expect to pay about $989 per year, or $1,645 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Northeast Tacoma for most people.

Car Insurance Prices by Northeast Tacoma Neighborhood

Northeast Tacoma, Tacoma, WA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Northeast Tacoma?

The map shows insurance prices in and around Northeast Tacoma, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $200 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,773 to a low of $1,573. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northwest parts of Northeast Tacoma.

Pick the Best Car Insurance Company for You in Northeast Tacoma

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Northeast Tacoma insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Northeast Tacoma

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $482 over the average Northeast Tacoma car insurance company.

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We use the average good driver, paying $97 per month, as our baseline for pricing in Northeast Tacoma. State Farm, Metromile, and PEMCO Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Northeast Tacoma drivers with accidents on their records

In Northeast Tacoma getting into an accident will raise premiums an average 33% for a yearly cost of $2,445. That's $799 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Metromile, and PEMCO Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $851 over the competition.

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The best car insurance company for Northeast Tacoma drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $613 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Northeast Tacoma, tickets raise premiums on new quotes about $517. If you have a speeding ticket, we recommend State Farm, Geico, and Metromile for savings that beat the average insurance cost of $2,162 per year.

The best auto insurance for Northeast Tacoma drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,470 per year in auto insurance premiums, which was $825 more than a driver with no major issues. State Farm, Progressive, and PEMCO Insurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $464 less each year.

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The least expensive car insurance company for new and young drivers in Northeast Tacoma

In Northeast Tacoma, State Farm costs young drivers $1,761 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 73% more for insurance than more mature drivers in Northeast Tacoma. With an average cost of $6,070 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and PEMCO Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Northeast Tacoma

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $127. State Farm, Geico, and Progressive provided the largest discounts to couples living in Northeast Tacoma.

State Farm gave the largest car insurance discounts to married couples, averaging $333 saved each year compared to an average Northeast Tacoma couple's premiums.

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The cheapest car insurance in Northeast Tacoma for drivers with bad credit

People with poor credit saved an average of $571 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $959 every year. Premiums for people with poor credit were about $2,604 in Northeast Tacoma. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and American Family Insurance.

The best Northeast Tacoma car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Northeast Tacoma, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Northeast Tacoma.

Nationwide was the best company for customer service in Northeast Tacoma according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Northeast Tacoma, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Northeast Tacoma. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Northeast Tacoma

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 30% of Northeast Tacoma residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Northeast Tacoma driver can expect to pay about $98 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Northeast Tacoma, USAA has the best prices for young drivers, married couples, drivers with bad credit, drivers with accidents, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.
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Auto Insurance Prices in and Around Northeast Tacoma

What Influences the Cost of Car Insurance in Northeast Tacoma?

On average, car insurance in Northeast Tacoma is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Northeast Tacoma is 43 minutes, which is far more than average for a driver in the city.
  • Washington state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Northeast Tacoma are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Northeast Tacoma is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Northeast Tacoma is $82 per month for minimum coverage and $137 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Northeast Tacoma driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Northeast Tacoma with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.