Cheapest Car Insurance Quotes in Tonka Bay

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Tonka Bay Car Insurance

^$ 24

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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 Tonka Bay

The car insurance rate in Tonka Bay is $944 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $517, making it a popular choice for budget-conscious drivers. Rates in Tonka Bay 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 Tonka Bay

$944

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Tonka Bay

1st place: Iowa Farm Bureau

At $517 for a six month policy, Iowa Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $523 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $523 for six months, making it the third cheapest auto insurance company in Tonka Bay.

Tonka Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tonka Bay, MN is Iowa Farm Bureau, offering policies at just $517 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $523.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1699 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tonka Bay drivers find the best deals.

Cheap Car Insurance Companies in Tonka Bay, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$517	$88
Auto-Owners Insurance Co	$523	$87
Westfield	$523	$89
American Family	$546	$92
West Bend Mutual	$677	$114
Travelers	$725	$122
Nationwide	$802	$136
USAA	$838	$141
AAA	$867	$146
Auto-Owners	$927	$156
West Bend	$998	$170
State Farm	$1045	$176
Western National	$1348	$229
Allstate	$1414	$238
North Star Mutual	$1657	$282
Farmers	$1699	$283

Key Takeaways

Way's key takeaways about car insurance in Tonka Bay

The auto insurance costs in Tonka Bay fall around $517 for six months.
The cheapest auto insurance company in Tonka Bay is Westfield.
Teen drivers pay the highest rate in Tonka Bay at $1021 per month.

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Cheapest Minimum Liability Car Insurance in Tonka Bay

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 Tonka Bay are given below.

Westfield provides the cheapest minimum car insurance coverage in Tonka Bay. Their Average 6 Month Premium is $143. Nationwide is the most expensive at $309 for the same period.

Cheapest Liability Coverage in Tonka Bay, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$143	$24
West Bend Mutual	$202	$34
North Star Mutual Insurance	$220	$37
USAA	$238	$40
Auto-Owners Insurance Co	$249	$42
Iowa Farm Bureau	$249	$42
West Bend	$249	$42
Farmers Union Insurance	$255	$43
Auto-Owners	$261	$44
North Star Mutual	$261	$44
AAA	$291	$49
American Family	$291	$49
Travelers	$291	$49
State Farm	$315	$53
Western National	$333	$56
Allstate	$487	$82
Farmers	$689	$117
Nationwide	$309	$51

Cheapest Full Coverage Car Insurance in Tonka Bay

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 Tonka Bay is Iowa Farm Bureau at $88 per month and $517 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tonka Bay, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$517	$88
Auto-Owners Insurance Co	$523	$87
Westfield	$523	$89
American Family	$546	$92
West Bend Mutual	$677	$114
Travelers	$725	$122
Nationwide	$802	$136
USAA	$838	$141
AAA	$867	$146
Auto-Owners	$927	$156
West Bend	$998	$170
State Farm	$1045	$176
Western National	$1348	$229
Allstate	$1414	$238
North Star Mutual	$1657	$282
Farmers	$1699	$283

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Average Car Insurance in Tonka Bay 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 Tonka Bay, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Tonka Bay, 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, Tonka Bay's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Tonka Bay

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	$654
30s	Farm Bureau Mutual	$467
40s	Farm Bureau Mutual	$462
50s	Farm Bureau Mutual	$389
60s	Farm Bureau Mutual	$398
70s	Farm Bureau Mutual	$467

Cheapest Car Insurance Rates for Teen Drivers in Tonka Bay,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Tonka Bay at $29 per month. At $6124 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$172	$29
North Star Mutual Insurance	$238	$40
Auto-Owners Insurance Co	$255	$43
Iowa Farm Bureau	$261	$44
Farmers Union Insurance	$273	$46
Umialik	$339	$56
American Family	$927	$156
Travelers	$1040	$175
Auto-Owners	$1360	$229
USAA	$1390	$234
State Farm	$2073	$349
AAA	$2091	$352
Allstate	$3332	$561
North Star Mutual	$3493	$582
Western National	$3885	$661
Farmers	$6124	$1021

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 Tonka Bay.

As young drivers face the highest rates in Tonka Bay, Farm Bureau Mutual offers the cheapest auto insurance rates at $654 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 Tonka Bay, West Bend Mutual is the cheapest car insurance provider. At $255 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 Tonka Bay is State Farm, offering rates of around $6778 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$255	$43
Westfield	$315	$52
Farmers Union Insurance	$350	$60
Iowa Farm Bureau	$493	$82
American Family	$505	$86
USAA	$1651	$275
AAA	$1841	$310
Travelers	$2370	$395
North Star Mutual	$2744	$467
Auto-Owners	$2863	$477
Farmers	$3148	$535
Western National	$3291	$548
Allstate	$3944	$671
State Farm	$6778	$1130

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

Car Insurance Rates with An Accident in Tonka Bay

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 Tonka Bay, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Tonka Bay

The cheapest car insurance companies after an at-fault accident in Tonka Bay include Westfield and Umialik, offering $208 and $261, respectively. Nationwide is an expensive provider with an average six-month premium of $410.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$208	$35
Umialik	$261	$44
Iowa Farm Bureau	$321	$53
Auto-Owners Insurance Co	$339	$58
Farmers Union Insurance	$345	$57
West Bend Mutual	$350	$60
North Star Mutual Insurance	$404	$67
Encompass	$440	$75
American Family	$618	$104
Western National	$642	$108
Auto-Owners	$689	$116
State Farm	$713	$120
Travelers	$796	$134
USAA	$855	$144
AAA	$1354	$228
North Star Mutual	$1604	$270
Farmers	$2501	$417
Allstate	$2590	$436
Nationwide	$410	$68

Tonka Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tonka Bay MN. For example, the car insurance in Tonka Bay after a DUI increases to $1093 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Tonka Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1022	$170
One Med/PIP claim	$1034	$176
Not-at-fault accident	$1051	$175
One comp claim	$1087	$185
Two Med/PIP claims	$1087	$181
Two comp claims	$1135	$193
Failure to wear a seat belt	$1164	$194
Failure to show documents	$1182	$201
Child safety restraint	$1200	$200
Driving without lights	$1200	$204
Driving with expired registration	$1224	$204
Cell phone violation	$1247	$212
Speeding 6 - 10 MPH over limit	$1247	$208
Texting while driving	$1247	$212
Following too closely	$1259	$210
Driving too slowly	$1265	$215
Failure to yield	$1265	$211
Illegal turn	$1265	$215
Speeding in school zone	$1265	$211
Wrong way/wrong lane	$1265	$215
Failure to stop at a red light	$1271	$212
Improper passing	$1271	$216
Speeding 11 - 15 MPH over limit	$1277	$213
Speeding 16 - 20 MPH over limit	$1289	$219
At-fault accident - less than $1000	$1319	$220
Passing school bus	$1319	$224
In 65 MPH zone	$1325	$221
Operating a vehicle without permission	$1331	$226
Speeding 21 - 25 MPH over limit	$1372	$229
At-fault accident - $1000-$2000	$1467	$249
Open container	$1473	$246
At-fault accident - greater than $2000	$1503	$256
Reckless driving	$1841	$307
Racing	$1901	$323
Driving with a suspended license	$2020	$337
Refusal to submit to a chemical test	$2043	$347
DUI	$2115	$352
Leaving scene of an accident/hit and run	$2192	$373

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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 Tonka Bay 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 Tonka Bay.

The cheapest car insurance premiums in Tonka Bay are offered by Umialik at $261 for a six-month policy. However, it can be as expensive as $4746 with companies like AAA.

Tonka Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$261	$44
West Bend Mutual	$273	$46
Farmers Union Insurance	$327	$54
Westfield	$368	$63
Iowa Farm Bureau	$481	$80
Country Financial	$511	$87
Auto-Owners Insurance Co	$546	$91
American Family	$576	$97
Western National	$814	$137
Travelers	$820	$138
State Farm	$1045	$176
USAA	$1129	$190
Auto-Owners	$1164	$196
Farmers	$2536	$431
Allstate	$2691	$453
North Star Mutual	$4740	$806
AAA	$4746	$791

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 Tonka Bay are offered by Westfield at $172. However, it can be as expensive as $2976 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Tonka Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$172	$29
Iowa Farm Bureau	$273	$46
West Bend Mutual	$273	$46
Auto-Owners Insurance Co	$285	$48
American Family	$303	$50
Farmers Union Insurance	$309	$53
State Farm	$653	$110
Western National	$814	$137
USAA	$861	$144
Auto-Owners	$950	$162
Travelers	$1034	$172
North Star Mutual	$1657	$282
Farmers	$2132	$355
AAA	$2210	$376
Allstate	$2976	$496

Car Insurance Price Trends in Tonka Bay, Minnesota

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

The average cost of full coverage in the Tonka Bay rose by $215 in January compared to $177 of December. In other words, there has been an increase by $38 when you compare January and December.

The average cost of liability insurance in the Tonka Bay rose to $51 in January, compared to $49 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Tonka Bay?

The car insurance in Tonka Bay is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Tonka Bay?

The cheapest car insurance in Tonka Bay is $88 per month for full coverage.

How much is car insurance in Tonka Bay for teenagers?

Car insurance for teenagers costs $172 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 Tonka Bay?

The average cost of car insurance is $944 for a six-month policy. It will cost around $159 per month to insure your car in Tonka Bay.

Is car insurance expensive in Tonka Bay?

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

Cheapest Car Insurance Quotes in Tonka Bay

Why you can trust Way?

How Much Is Car Insurance in Tonka Bay

Avg. Car Insurance in Tonka Bay

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Tonka Bay

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Tonka Bay Car Insurance Rates by Company

Cheap Car Insurance Companies in Tonka Bay, MN

Way's key takeaways about car insurance in Tonka Bay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tonka Bay

Cheapest Liability Coverage in Tonka Bay, MN

Cheapest Full Coverage Car Insurance in Tonka Bay

Cheapest Full Coverage Car Insurance Quotes in Tonka Bay, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tonka Bay by Rating Factor

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

Car Insurance Premiums by Age in Tonka Bay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tonka Bay,MN

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

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 Tonka Bay

Cheapest Car Insurance Companies after an At-Fault Accident in Tonka Bay

Tonka Bay Car Insurance Rates by Violation

Tonka Bay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tonka Bay after a DUI

Tonka Bay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tonka Bay after Speeding ticket

Car Insurance Price Trends in Tonka Bay, Minnesota

Average Car Insurance Cost in Tonka Bay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tonka Bay, MN

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

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