Compare Crystal Lake, IA Car Insurance Rates (2021)

Car insurance in Crystal Lake, IA averages $241 a month. Crystal Lake, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Crystal Lake car insurance rates, compare quotes from the top car insurance companies in Crystal Lake, IA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Crystal Lake, IA after a DUI are $3,491/year
  • Average car insurance rates in Crystal Lake, IA are $2,893/year
  • The cheapest car insurance company in Crystal Lake for teen drivers is USAA

If you need to buy Crystal Lake, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Crystal Lake, IA is right here.

You’ll find Crystal Lake car insurance rates, the cheapest Crystal Lake, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Crystal Lake, Iowa car insurance rates to Ames car insurance rates, Sioux City car insurance rates, and Ankeny car insurance rates.

Ready to find affordable Crystal Lake, IA car insurance today? Enter your ZIP code for fast, free Crystal Lake car insurance quotes.

Cheapest Crystal Lake, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Crystal Lake, IA car insurance rates? Every Crystal Lake, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Crystal Lake, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,863 $1,798 $1,648 $1,680 $5,209 $5,839 $2,041 $2,105
American Family $1,999 $1,999 $1,787 $1,787 $5,322 $7,474 $1,999 $2,409
Farmers $1,472 $1,500 $1,318 $1,438 $4,430 $4,719 $1,992 $2,136
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,166 $2,350 $1,905 $2,314 $10,614 $11,942 $2,455 $2,710
Nationwide $1,670 $1,713 $1,490 $1,588 $3,859 $4,983 $1,893 $2,056
Progressive $1,440 $1,377 $1,186 $1,234 $3,704 $4,173 $1,731 $1,882
State Farm $1,431 $1,431 $1,254 $1,254 $3,825 $4,856 $1,608 $1,828
Travelers $2,371 $2,420 $2,302 $2,308 $10,455 $16,621 $2,467 $2,922
USAA $1,255 $1,270 $1,149 $1,174 $3,380 $3,592 $1,508 $1,666

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Minimum Car Insurance in Crystal Lake, IA

Every driver must carry the minimum car insurance in Crystal Lake, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Crystal Lake, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Crystal Lake, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Crystal Lake, IA. Compare credit history car insurance rates in Crystal Lake from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Crystal Lake, Iowa

Insurance Company Poor Fair Good
Allstate $3,313 $2,637 $2,369
American Family $3,950 $2,903 $2,439
Farmers $2,724 $2,261 $2,142
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,502 $4,014 $3,156
Nationwide $2,920 $2,291 $2,008
Progressive $2,458 $1,998 $1,816
State Farm $3,113 $1,926 $1,519
Travelers $5,887 $5,025 $4,787
USAA $2,466 $1,692 $1,465

Cheapest Crystal Lake, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Crystal Lake, IA to rates for a clean record with top companies.

Annual Crystal Lake, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,373 $2,856 $3,223 $2,640
American Family $2,236 $3,271 $4,251 $2,630
Farmers $2,024 $2,511 $2,547 $2,420
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,935 $4,872 $4,965 $4,457
Nationwide $1,746 $2,502 $3,404 $1,973
Progressive $1,677 $2,769 $1,819 $2,098
State Farm $2,027 $2,345 $2,186 $2,186
Travelers $3,816 $5,086 $6,806 $5,225
USAA $1,432 $1,922 $2,500 $1,643

Cheapest Crystal Lake, IA Car Insurance for Teen Drivers

Teen car insurance in Crystal Lake, IA can be expensive. Take a look at rates from the top car insurance companies in Crystal Lake for teenagers.

Annual Car Insurance Rates for Teen Drivers in Crystal Lake, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,209 $5,839
American Family $5,322 $7,474
Farmers $4,430 $4,719
GEICO $4,328 $4,022
Liberty Mutual $10,614 $11,942
Nationwide $3,859 $4,983
Progressive $3,704 $4,173
State Farm $3,825 $4,856
Travelers $10,455 $16,621
USAA $3,380 $3,592

Cheapest Crystal Lake, IA Car Insurance for Seniors

Take a look at Crystal Lake, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Crystal Lake, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,680
American Family $1,787 $1,787
Farmers $1,318 $1,438
GEICO $1,710 $1,564
Liberty Mutual $1,905 $2,314
Nationwide $1,490 $1,588
Progressive $1,186 $1,234
State Farm $1,254 $1,254
Travelers $2,302 $2,308
USAA $1,149 $1,174

Cheapest Crystal Lake, IA Car Insurance Rates After a DUI

A DUI in Crystal Lake, IA increases car insurance rates. Compare Crystal Lake, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Crystal Lake, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,223
American Family $4,251
Farmers $2,547
GEICO $3,206
Liberty Mutual $4,965
Nationwide $3,404
Progressive $1,819
State Farm $2,186
Travelers $6,806
USAA $2,500

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Cheapest Crystal Lake, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Crystal Lake, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Crystal Lake, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,707 $2,838
American Family $3,061 $3,133
Farmers $2,376 $2,376
GEICO $2,294 $2,387
Liberty Mutual $4,557 $4,557
Nationwide $2,406 $2,406
Progressive $2,091 $2,091
State Farm $2,133 $2,239
Travelers $5,233 $5,233
USAA $1,806 $1,943

The Best Cheap Car Insurance Companies in Crystal Lake, IA

Take a look at a side-by-side comparison of the top car insurance companies in Crystal Lake, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Crystal Lake, Iowa

Insurance Company Average Annual Rates
Allstate $2,773
American Family $3,097
Farmers $2,376
GEICO $2,341
Liberty Mutual $4,557
Nationwide $2,406
Progressive $2,091
State Farm $2,186
Travelers $5,233
USAA $1,874

Category Winners: Cheapest Car Insurance in Crystal Lake, Iowa

Find the cheapest car insurance companies in Crystal Lake, IA for each category right here.

Best Annual Car Insurance Rates by Company in Crystal Lake, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Crystal Lake, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Crystal Lake car insurance rates. Find the cheapest Crystal Lake, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Crystal Lake, Iowa

Insurance Company Low Medium High
Allstate $2,679 $2,776 $2,864
American Family $3,116 $3,269 $2,906
Farmers $2,280 $2,383 $2,464
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,379 $4,548 $4,744
Nationwide $2,505 $2,396 $2,318
Progressive $1,975 $2,098 $2,200
State Farm $2,083 $2,198 $2,277
Travelers $4,941 $5,311 $5,448
USAA $1,780 $1,880 $1,963

What affects car insurance rates in Crystal Lake, Iowa?

What factors can have an impact on Crystal Lake, IA car insurance? There are several reasons why Crystal Lake car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Crystal Lake, Iowa.

Commute Time in Crystal Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Crystal Lake, IA is 28.5 minutes according to City-Data.

Compare Car Insurance Quotes in Crystal Lake, IA

Ready to find affordable Crystal Lake, Iowa car insurance today? Enter your ZIP code for fast, free Crystal Lake, IA car insurance quotes.

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