Cheapest Car Insurance Quotes in Tonka Bay

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Tonka Bay Car Insurance

^$ 24

/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 Tonka Bay

The car insurance rate in Tonka Bay is $803 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 $428, 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

$803

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Tonka Bay

1st place: AAA

At $428 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 $517 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 $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 AAA, offering policies at just $428 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $517.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1550 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
AAA	$428	$73
Iowa Farm Bureau	$517	$86
Auto-Owners Insurance Co	$523	$89
Westfield	$523	$87
American Family	$636	$107
Travelers	$677	$114
West Bend Mutual	$677	$114
Nationwide	$802	$134
USAA	$814	$137
Auto-Owners	$879	$148
State Farm	$992	$167
West Bend	$998	$166
Allstate	$1230	$207
Farmers	$1550	$258

Key Takeaways

Way's key takeaways about car insurance in Tonka Bay

The auto insurance costs in Tonka Bay fall around $428 for six months.
The cheapest auto insurance company in Tonka Bay is Westfield.
Teen drivers pay the highest rate in Tonka Bay at $936 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
AAA	$208	$35
North Star Mutual	$220	$37
North Star Mutual Insurance	$220	$37
USAA	$220	$37
Auto-Owners	$249	$42
Auto-Owners Insurance Co	$249	$42
Iowa Farm Bureau	$249	$42
West Bend	$249	$42
Farmers Union Insurance	$255	$43
Travelers	$273	$46
American Family	$285	$48
State Farm	$285	$48
Western National	$303	$52
Allstate	$493	$83
Farmers	$695	$118
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 AAA at $73 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tonka Bay, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$428	$73
Iowa Farm Bureau	$517	$86
Auto-Owners Insurance Co	$523	$89
Westfield	$523	$87
American Family	$636	$107
Travelers	$677	$114
West Bend Mutual	$677	$114
Nationwide	$802	$134
USAA	$814	$137
Auto-Owners	$879	$148
State Farm	$992	$167
West Bend	$998	$166
Allstate	$1230	$207
Farmers	$1550	$258

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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	$665
30s	Farm Bureau Mutual	$475
40s	Farm Bureau Mutual	$470
50s	Farm Bureau Mutual	$395
60s	Farm Bureau Mutual	$405
70s	Farm Bureau Mutual	$475

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 $5613 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
AAA	$261	$44
Iowa Farm Bureau	$261	$44
Farmers Union Insurance	$273	$46
Umialik	$339	$58
Travelers	$867	$146
Auto-Owners	$1247	$210
USAA	$1325	$223
American Family	$1604	$270
State Farm	$1925	$324
Allstate	$3225	$543
Farmers	$5613	$936

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 $665 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 $5144 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
AAA	$558	$95
American Family	$1069	$180
USAA	$1485	$253
Travelers	$1776	$296
Auto-Owners	$2406	$409
Farmers	$2940	$490
Allstate	$3326	$566
State Farm	$5144	$857

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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
Western National	$285	$48
Iowa Farm Bureau	$321	$55
Auto-Owners Insurance Co	$339	$56
Farmers Union Insurance	$345	$59
AAA	$350	$58
West Bend Mutual	$350	$60
North Star Mutual	$368	$61
North Star Mutual Insurance	$404	$69
Encompass	$440	$73
Auto-Owners	$636	$107
State Farm	$671	$113
Travelers	$707	$119
USAA	$814	$137
American Family	$986	$166
Allstate	$2150	$362
Farmers	$2311	$393
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 $2340 with companies like Farmers.

Tonka Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$261	$44
West Bend Mutual	$273	$46
Western National	$273	$46
Farmers Union Insurance	$327	$56
Westfield	$368	$61
Iowa Farm Bureau	$481	$82
Country Financial	$511	$85
Auto-Owners Insurance Co	$546	$93
Travelers	$743	$125
State Farm	$790	$133
American Family	$891	$150
Auto-Owners	$1057	$178
USAA	$1075	$181
Allstate	$2216	$373
Farmers	$2340	$390

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 $2233 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
Western National	$273	$46
Auto-Owners Insurance Co	$285	$48
Farmers Union Insurance	$309	$53
State Farm	$558	$94
American Family	$642	$108
USAA	$760	$127
Auto-Owners	$772	$131
Travelers	$796	$133
Farmers	$1942	$330
Allstate	$2233	$372

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 $177 in December compared to $176 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 Tonka Bay remained steady at $49 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 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 $73 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 $803 for a six-month policy. It will cost around $134 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: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

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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