Cheapest Car Insurance Quotes in Onamia

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Onamia Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Onamia

The car insurance rate in Onamia is $875 for a six-month policy, which is $72 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $467, making it a popular choice for budget-conscious drivers. Rates in Onamia can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Onamia

$875

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Onamia

1st place: AAA

At $467 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: Iowa Farm Bureau

Iowa Farm Bureau offers auto insurance rates at $564 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $570 for six months, making it the third cheapest auto insurance company in Onamia.

Onamia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Onamia, MN is AAA, offering policies at just $467 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $564.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1690 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Onamia drivers find the best deals.

Cheap Car Insurance Companies in Onamia, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$467	$80
Iowa Farm Bureau	$564	$94
Auto-Owners Insurance Co	$570	$97
Westfield	$570	$95
American Family	$693	$117
Travelers	$738	$124
West Bend Mutual	$738	$124
Nationwide	$874	$146
USAA	$887	$149
Auto-Owners	$958	$161
State Farm	$1081	$182
West Bend	$1088	$181
Allstate	$1341	$226
Farmers	$1690	$281

Key Takeaways

Way's key takeaways about car insurance in Onamia

The auto insurance costs in Onamia fall around $467 for six months.
The cheapest auto insurance company in Onamia is Westfield.
Teen drivers pay the highest rate in Onamia at $1020 per month.

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Cheapest Minimum Liability Car Insurance in Onamia

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Onamia are given below.

Westfield provides the cheapest minimum car insurance coverage in Onamia. Their Average 6 Month Premium is $156. Nationwide is the most expensive at $337 for the same period.

Cheapest Liability Coverage in Onamia, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
West Bend Mutual	$220	$37
AAA	$227	$38
North Star Mutual	$240	$40
North Star Mutual Insurance	$240	$40
USAA	$240	$40
Auto-Owners	$271	$46
Auto-Owners Insurance Co	$271	$46
Iowa Farm Bureau	$271	$46
West Bend	$271	$46
Farmers Union Insurance	$278	$47
Travelers	$298	$50
American Family	$311	$52
State Farm	$311	$52
Western National	$330	$57
Allstate	$537	$90
Farmers	$758	$129
Nationwide	$337	$56

Cheapest Full Coverage Car Insurance in Onamia

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Onamia is AAA at $80 per month and $467 for six months.

Cheapest Full Coverage Car Insurance Quotes in Onamia, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$467	$80
Iowa Farm Bureau	$564	$94
Auto-Owners Insurance Co	$570	$97
Westfield	$570	$95
American Family	$693	$117
Travelers	$738	$124
West Bend Mutual	$738	$124
Nationwide	$874	$146
USAA	$887	$149
Auto-Owners	$958	$161
State Farm	$1081	$182
West Bend	$1088	$181
Allstate	$1341	$226
Farmers	$1690	$281

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Average Car Insurance in Onamia by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Onamia, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Onamia, Minnesota, may be increasing due to several external factors. Minnesota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Onamia's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Onamia

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$725
30s	Farm Bureau Mutual	$518
40s	Farm Bureau Mutual	$512
50s	Farm Bureau Mutual	$431
60s	Farm Bureau Mutual	$441
70s	Farm Bureau Mutual	$518

Cheapest Car Insurance Rates for Teen Drivers in Onamia,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Onamia at $32 per month. At $6118 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$187	$32
North Star Mutual Insurance	$259	$44
Auto-Owners Insurance Co	$278	$47
AAA	$284	$48
Iowa Farm Bureau	$284	$48
Farmers Union Insurance	$298	$50
Umialik	$370	$63
Travelers	$945	$159
Auto-Owners	$1359	$229
USAA	$1444	$243
American Family	$1748	$294
State Farm	$2098	$353
Allstate	$3515	$592
Farmers	$6118	$1020

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Onamia.

As young drivers face the highest rates in Onamia, Farm Bureau Mutual offers the cheapest auto insurance rates at $725 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Onamia, West Bend Mutual is the cheapest car insurance provider. At $278 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Onamia is State Farm, offering rates of around $5607 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$278	$47
Westfield	$343	$57
Farmers Union Insurance	$382	$65
Iowa Farm Bureau	$537	$89
AAA	$608	$104
American Family	$1165	$196
USAA	$1619	$276
Travelers	$1936	$323
Auto-Owners	$2623	$446
Farmers	$3205	$534
Allstate	$3625	$617
State Farm	$5607	$934

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Save up to $971/yr on car insurance rates in Onamia.

Car Insurance Rates with An Accident in Onamia

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Onamia, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Onamia

The cheapest car insurance companies after an at-fault accident in Onamia include Westfield and Umialik, offering $227 and $284, respectively. Nationwide is an expensive provider with an average six-month premium of $447.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$227	$38
Umialik	$284	$48
Western National	$311	$52
Iowa Farm Bureau	$350	$60
Auto-Owners Insurance Co	$370	$61
Farmers Union Insurance	$376	$64
AAA	$382	$63
West Bend Mutual	$382	$65
North Star Mutual	$401	$66
North Star Mutual Insurance	$440	$75
Encompass	$480	$80
Auto-Owners	$693	$117
State Farm	$731	$123
Travelers	$771	$130
USAA	$887	$149
American Family	$1075	$181
Allstate	$2344	$395
Farmers	$2519	$428
Nationwide	$447	$74

Onamia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Onamia MN. For example, the car insurance in Onamia after a DUI increases to $1191 for a six month policy. While the rate increases by $245 for a six-month policy in the case of a speeding ticket.

Onamia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1114	$185
One Med/PIP claim	$1127	$192
Not-at-fault accident	$1146	$191
One comp claim	$1185	$202
Two Med/PIP claims	$1185	$197
Two comp claims	$1237	$210
Failure to wear a seat belt	$1269	$211
Failure to show documents	$1288	$219
Child safety restraint	$1308	$218
Driving without lights	$1308	$222
Driving with expired registration	$1334	$222
Cell phone violation	$1359	$231
Speeding 6 - 10 MPH over limit	$1359	$227
Texting while driving	$1359	$231
Following too closely	$1372	$229
Driving too slowly	$1379	$234
Failure to yield	$1379	$230
Illegal turn	$1379	$234
Speeding in school zone	$1379	$230
Wrong way/wrong lane	$1379	$234
Failure to stop at a red light	$1385	$231
Improper passing	$1385	$235
Speeding 11 - 15 MPH over limit	$1392	$232
Speeding 16 - 20 MPH over limit	$1405	$239
At-fault accident - less than $1000	$1438	$240
Passing school bus	$1438	$244
In 65 MPH zone	$1444	$241
Operating a vehicle without permission	$1451	$246
Speeding 21 - 25 MPH over limit	$1495	$250
At-fault accident - $1000-$2000	$1599	$271
Open container	$1606	$268
At-fault accident - greater than $2000	$1638	$279
Reckless driving	$2007	$335
Racing	$2072	$352
Driving with a suspended license	$2202	$367
Refusal to submit to a chemical test	$2227	$378
DUI	$2305	$384
Leaving scene of an accident/hit and run	$2389	$407

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Onamia after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Onamia.

The cheapest car insurance premiums in Onamia are offered by Umialik at $284 for a six-month policy. However, it can be as expensive as $2551 with companies like Farmers.

Onamia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$284	$48
West Bend Mutual	$298	$50
Western National	$298	$50
Farmers Union Insurance	$356	$61
Westfield	$401	$66
Iowa Farm Bureau	$524	$89
Country Financial	$557	$93
Auto-Owners Insurance Co	$595	$101
Travelers	$810	$136
State Farm	$861	$145
American Family	$971	$164
Auto-Owners	$1152	$194
USAA	$1172	$197
Allstate	$2415	$407
Farmers	$2551	$425

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Onamia are offered by Westfield at $187. However, it can be as expensive as $2434 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Onamia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$187	$32
Iowa Farm Bureau	$298	$50
West Bend Mutual	$298	$50
Western National	$298	$50
Auto-Owners Insurance Co	$311	$52
Farmers Union Insurance	$337	$58
State Farm	$608	$102
American Family	$700	$118
USAA	$828	$138
Auto-Owners	$841	$143
Travelers	$868	$145
Farmers	$2117	$360
Allstate	$2434	$405

Car Insurance Price Trends in Onamia, Minnesota

Car insurance rates in Onamia have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Onamia rose by $193 in December compared to $192 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Onamia remained steady at $53 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Onamia?

The car insurance in Onamia is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Onamia?

The cheapest car insurance in Onamia is $80 per month for full coverage.

How much is car insurance in Onamia for teenagers?

Car insurance for teenagers costs $187 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Onamia?

The average cost of car insurance is $803 for a six-month policy. It will cost around $146 per month to insure your car in Onamia.

Is car insurance expensive in Onamia?

Car insurance can be expensive in Onamia if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Onamia can be affordable.

Cheapest Car Insurance Quotes in Onamia

Why you can trust Way?

How Much Is Car Insurance in Onamia

Avg. Car Insurance in Onamia

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Onamia

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Onamia Car Insurance Rates by Company

Cheap Car Insurance Companies in Onamia, MN

Way's key takeaways about car insurance in Onamia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Onamia

Cheapest Liability Coverage in Onamia, MN

Cheapest Full Coverage Car Insurance in Onamia

Cheapest Full Coverage Car Insurance Quotes in Onamia, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Onamia by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Onamia, MN increasing?

Car Insurance Premiums by Age in Onamia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Onamia,MN

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Onamia.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Onamia

Cheapest Car Insurance Companies after an At-Fault Accident in Onamia

Onamia Car Insurance Rates by Violation

Onamia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Onamia after a DUI

Onamia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Onamia after Speeding ticket

Car Insurance Price Trends in Onamia, Minnesota

Average Car Insurance Cost in Onamia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Onamia, MN

Car Insurance Rates by State in the USA (2025 Update)

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