Cheapest Car Insurance Quotes in Tokeland

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Tokeland Car Insurance

^$ 32

/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 Tokeland

The car insurance rate in Tokeland is $825 for a six-month policy, which is $92 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $369, making it a popular choice for budget-conscious drivers. Rates in Tokeland 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 Tokeland

$825

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Tokeland

1st place: Kemper

At $369 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $497 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 $513 for six months, making it the third cheapest auto insurance company in Tokeland.

Tokeland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tokeland, WA is Kemper, offering policies at just $369 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $497.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2176 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tokeland drivers find the best deals.

Cheap Car Insurance Companies in Tokeland, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$369	$61
Nationwide	$497	$85
Auto-Owners Insurance Co	$513	$86
Chubb	$582	$99
Capital Insurance Group	$593	$99
USAA	$695	$117
Mutual of Enumclaw	$733	$122
American Family	$749	$126
State Farm	$749	$126
Progressive	$764	$129
PEMCO	$824	$139
Travelers	$829	$140
Farmers	$909	$153
Allstate	$1026	$173
Granwest P&C	$1208	$202
Sentry	$2176	$370

Key Takeaways

Way's key takeaways about car insurance in Tokeland

The auto insurance costs in Tokeland fall around $369 for six months.
The cheapest auto insurance company in Tokeland is California Casualty.
Teen drivers pay the highest rate in Tokeland at $613 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Tokeland

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 Tokeland are given below.

California Casualty provides the cheapest minimum car insurance coverage in Tokeland. Their Average 6 Month Premium is $193. Grange is the most expensive at $193 for the same period.

Cheapest Liability Coverage in Tokeland, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$193	$32
USAA	$193	$32
Granwest P&C	$198	$33
Auto-Owners Insurance Co	$209	$35
Chubb	$246	$41
Nationwide	$257	$43
PEMCO	$257	$43
Capital Insurance Group	$273	$47
Progressive	$278	$47
American Family	$284	$49
Mutual of Enumclaw	$305	$51
State Farm	$305	$51
Travelers	$311	$52
Farmers	$364	$61
Allstate	$604	$102
Sentry	$626	$106
Encompass	$187	$32
Grange	$193	$32

Cheapest Full Coverage Car Insurance in Tokeland

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 Tokeland is Kemper at $61 per month and $369 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tokeland, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$369	$61
Nationwide	$497	$85
Auto-Owners Insurance Co	$513	$86
Chubb	$582	$99
Capital Insurance Group	$593	$99
USAA	$695	$117
Mutual of Enumclaw	$733	$122
American Family	$749	$126
State Farm	$749	$126
Progressive	$764	$129
PEMCO	$824	$139
Travelers	$829	$140
Farmers	$909	$153
Allstate	$1026	$173
Granwest P&C	$1208	$202
Sentry	$2176	$370

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Average Car Insurance in Tokeland 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 Tokeland, WA increasing?

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

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

Car Insurance Premiums by Age in Tokeland

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	PEMCO	$609
30s	PEMCO	$427
40s	PEMCO	$431
50s	PEMCO	$410
60s	PEMCO	$431
70s	PEMCO	$536

Cheapest Car Insurance Rates for Teen Drivers in Tokeland,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Tokeland at $50 per month. At $3678 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$294	$50
Auto-Owners Insurance Co	$305	$50
Chubb	$342	$59
Travelers	$1005	$169
State Farm	$1064	$179
USAA	$1235	$208
Pemco	$1518	$256
Farmers	$1833	$309
Mutual of Enumclaw	$1855	$315
Progressive	$2026	$341
Allstate	$2106	$355
Sentry	$3678	$613

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Tokeland.

As young drivers face the highest rates in Tokeland, PEMCO offers the cheapest auto insurance rates at $609 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 Tokeland, AutoOwners Insurance Co is the cheapest car insurance provider. At $209 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 Tokeland is Sentry, offering rates of around $2176 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$209	$35
Chubb	$246	$41
American Family	$284	$49
Nationwide	$294	$49
Kemper	$320	$55
Farmers	$834	$140
Travelers	$887	$149
State Farm	$1053	$177
Progressive	$1058	$178
USAA	$1085	$181
Pemco	$1240	$209
Mutual of Enumclaw	$1273	$212
Allstate	$1989	$338
Sentry	$2176	$363

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Tokeland

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 Tokeland, WA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Tokeland include AutoOwners Insurance Co and Encompass, offering $267 and $305, respectively. Sentry is an expensive provider with an average six-month premium of $3780.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$267	$45
Encompass	$305	$52
Chubb	$315	$53
American Family	$342	$59
Kemper	$444	$74
USAA	$476	$80
Travelers	$695	$117
State Farm	$711	$120
PEMCO	$775	$131
Capital Insurance Group	$791	$134
Mutual of Enumclaw	$989	$165
Progressive	$1053	$177
Farmers	$1122	$189
Allstate	$1833	$309
Sentry	$3780	$630

Tokeland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tokeland WA. For example, the car insurance in Tokeland after a DUI increases to $733 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Tokeland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$962	$160
One Med/PIP claim	$962	$164
Not-at-fault accident	$995	$166
Two Med/PIP claims	$995	$169
One comp claim	$1000	$167
Two comp claims	$1042	$177
Failure to show documents	$1149	$192
Child safety restraint	$1160	$197
Driving without lights	$1171	$195
Failure to wear a seat belt	$1171	$199
Speeding 11 - 15 MPH over limit	$1171	$195
Speeding 16 - 20 MPH over limit	$1171	$199
Speeding 6 - 10 MPH over limit	$1171	$195
Driving too slowly	$1182	$201
Driving with expired registration	$1182	$197
Cell phone violation	$1187	$202
Failure to yield	$1187	$198
Improper passing	$1187	$202
Texting while driving	$1187	$198
Wrong way/wrong lane	$1187	$202
Failure to stop at a red light	$1193	$199
Following too closely	$1193	$203
Illegal turn	$1193	$199
Speeding in school zone	$1246	$212
Passing school bus	$1251	$209
At-fault accident - less than $1000	$1267	$215
Speeding 21 - 25 MPH over limit	$1267	$212
Open container	$1273	$216
In 65 MPH zone	$1320	$221
At-fault accident - $1000-$2000	$1369	$233
At-fault accident - greater than $2000	$1374	$229
Operating a vehicle without permission	$1384	$236
Refusal to submit to a chemical test	$1657	$276
Reckless driving	$1662	$283
Driving with a suspended license	$1679	$280
DUI	$1695	$288
Racing	$1753	$293
Leaving scene of an accident/hit and run	$1764	$300

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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 Tokeland 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 Tokeland.

The cheapest car insurance premiums in Tokeland are offered by Chubb at $305 for a six-month policy. However, it can be as expensive as $2866 with companies like Sentry.

Tokeland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$305	$52
American Family	$337	$56
Auto-Owners Insurance Co	$385	$66
Travelers	$733	$123
Progressive	$738	$124
USAA	$813	$137
Pemco	$898	$151
State Farm	$978	$165
Farmers	$1144	$193
Mutual of Enumclaw	$1278	$213
Grange	$1636	$278
Allstate	$1673	$282
Cal Casualty	$1828	$311
Sentry	$2866	$478

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 Tokeland are offered by Chubb at $267. However, it can be as expensive as $3502 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Tokeland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$267	$46
Auto-Owners Insurance Co	$278	$46
American Family	$337	$58
State Farm	$626	$105
Travelers	$764	$129
USAA	$840	$140
Mutual of Enumclaw	$893	$152
Pemco	$931	$157
Progressive	$951	$160
Farmers	$1048	$176
Allstate	$1609	$274
Sentry	$3502	$583

Car Insurance Price Trends in Tokeland, Washington

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

The average cost of full coverage in the Tokeland rose by $176 in January compared to $136 of December. In other words, there has been an increase by $40 when you compare January and December.

The average cost of liability insurance in the Tokeland rose to $50 in January, compared to $46 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Tokeland?

The car insurance in Tokeland is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Tokeland?

The cheapest car insurance in Tokeland is $61 per month for full coverage.

How much is car insurance in Tokeland for teenagers?

Car insurance for teenagers costs $294 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 Tokeland?

The average cost of car insurance is $917 for a six-month policy. It will cost around $139 per month to insure your car in Tokeland.

Is car insurance expensive in Tokeland?

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

Cheapest Car Insurance Quotes in Tokeland

Why you can trust Way?

How Much Is Car Insurance in Tokeland

Avg. Car Insurance in Tokeland

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Tokeland

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Tokeland Car Insurance Rates by Company

Cheap Car Insurance Companies in Tokeland, WA

Way's key takeaways about car insurance in Tokeland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tokeland

Cheapest Liability Coverage in Tokeland, WA

Cheapest Full Coverage Car Insurance in Tokeland

Cheapest Full Coverage Car Insurance Quotes in Tokeland, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tokeland by Rating Factor

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

Car Insurance Premiums by Age in Tokeland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tokeland,WA

If you are in your twenties PEMCO is the best choice for car insurance in Tokeland.

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 Tokeland

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

Tokeland Car Insurance Rates by Violation

Tokeland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tokeland after a DUI

Tokeland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tokeland after Speeding ticket

Car Insurance Price Trends in Tokeland, Washington

Average Car Insurance Cost in Tokeland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tokeland, WA

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

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