Compare Crystal Lake, IL Car Insurance Rates (2021)

Car insurance in Crystal Lake, IL averages $259 a month. Crystal Lake, Illinois car insurance requirements are 25/50/20, 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, IL.

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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

  • The cheapest car insurance company in Crystal Lake is Nationwide
  • The cheapest car insurance company in Crystal Lake for teen drivers is Nationwide
  • Average car insurance rates in Crystal Lake, IL after a DUI are $3,632/year

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

You’ll find Crystal Lake car insurance rates, the cheapest Crystal Lake, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Crystal Lake, Illinois car insurance rates to Chicago car insurance rates, Aurora car insurance rates, and Springfield car insurance rates.

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

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

How do age, gender, and marital status affect Crystal Lake, IL car insurance rates? Every Crystal Lake, Illinois 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, Illinois

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 $3,076 $3,090 $3,225 $3,225 $8,095 $10,495 $3,697 $3,995
American Family $2,210 $2,210 $2,030 $2,030 $6,357 $8,765 $2,210 $2,856
Farmers $2,404 $2,402 $2,126 $2,256 $10,723 $11,185 $2,747 $2,859
GEICO $1,508 $1,549 $1,474 $1,647 $5,498 $5,672 $1,752 $1,814
Liberty Mutual $1,392 $1,498 $1,149 $1,282 $4,979 $5,535 $1,458 $1,533
Nationwide $1,387 $1,406 $1,246 $1,311 $3,696 $4,704 $1,606 $1,728
Progressive $1,943 $1,817 $1,610 $1,687 $7,375 $8,254 $2,311 $2,492
State Farm $1,420 $1,420 $1,286 $1,286 $4,541 $5,735 $1,612 $1,858
Travelers $1,560 $1,644 $1,450 $1,543 $4,766 $6,065 $1,646 $1,732
USAA $1,516 $1,539 $1,413 $1,388 $4,920 $5,414 $1,991 $2,181

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Minimum Car Insurance in Crystal Lake, IL

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

Minimum Required Car Insurance Coverage in Crystal Lake, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Crystal Lake, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Crystal Lake, IL. 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, Illinois

Insurance Company Poor Fair Good
Allstate $6,187 $4,478 $3,921
American Family $4,752 $3,247 $2,751
Farmers $5,197 $4,391 $4,176
GEICO $4,192 $2,051 $1,599
Liberty Mutual $3,318 $2,086 $1,657
Nationwide $2,536 $2,061 $1,810
Progressive $3,903 $3,325 $3,080
State Farm $3,484 $2,085 $1,616
Travelers $3,097 $2,519 $2,036
USAA $3,383 $2,330 $1,923

Cheapest Crystal Lake, IL 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, IL to rates for a clean record with top companies.

Annual Crystal Lake, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,429 $5,939 $5,525 $4,556
American Family $2,633 $3,747 $4,969 $2,985
Farmers $3,870 $5,004 $4,879 $4,598
GEICO $1,750 $2,820 $3,833 $2,053
Liberty Mutual $1,953 $2,795 $2,444 $2,221
Nationwide $1,741 $2,223 $2,594 $1,984
Progressive $2,824 $4,227 $3,132 $3,562
State Farm $2,172 $2,618 $2,395 $2,395
Travelers $2,021 $2,661 $2,984 $2,537
USAA $1,814 $2,611 $3,568 $2,188

Cheapest Crystal Lake, IL Car Insurance for Teen Drivers

Teen car insurance in Crystal Lake, IL 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, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,095 $10,495
American Family $6,357 $8,765
Farmers $10,723 $11,185
GEICO $5,498 $5,672
Liberty Mutual $4,979 $5,535
Nationwide $3,696 $4,704
Progressive $7,375 $8,254
State Farm $4,541 $5,735
Travelers $4,766 $6,065
USAA $4,920 $5,414

Cheapest Crystal Lake, IL Car Insurance for Seniors

Take a look at Crystal Lake, IL 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, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,225 $3,225
American Family $2,030 $2,030
Farmers $2,126 $2,256
GEICO $1,474 $1,647
Liberty Mutual $1,149 $1,282
Nationwide $1,246 $1,311
Progressive $1,610 $1,687
State Farm $1,286 $1,286
Travelers $1,450 $1,543
USAA $1,413 $1,388

Cheapest Crystal Lake, IL Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,525
American Family $4,969
Farmers $4,879
GEICO $3,833
Liberty Mutual $2,444
Nationwide $2,594
Progressive $3,132
State Farm $2,395
Travelers $2,984
USAA $3,568

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Cheapest Crystal Lake, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Crystal Lake, IL 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, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,862 $4,862
American Family $3,538 $3,629
Farmers $4,588 $4,588
GEICO $2,571 $2,658
Liberty Mutual $2,353 $2,353
Nationwide $2,136 $2,136
Progressive $3,436 $3,436
State Farm $2,334 $2,456
Travelers $2,451 $2,651
USAA $2,474 $2,616

Cheapest Crystal Lake, IL Car Insurance Rates by ZIP Code

Crystal Lake car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Crystal Lake, IL.

Annual Car Insurance Rates by ZIP Code in Crystal Lake, Illinois

ZIP Code Average Annual Rates
60012 $3,092
60014 $3,066

The Best Cheap Car Insurance Companies in Crystal Lake, IL

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

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

Insurance Company Average Annual Rates
Allstate $4,862
American Family $3,584
Farmers $4,588
GEICO $2,614
Liberty Mutual $2,353
Nationwide $2,136
Progressive $3,436
State Farm $2,395
Travelers $2,551
USAA $2,545

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Category Winners: Cheapest Car Insurance in Crystal Lake, Illinois

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

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

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

Cheapest Crystal Lake, IL 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, IL car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $4,700 $4,857 $5,030
American Family $3,435 $3,715 $3,600
Farmers $4,348 $4,471 $4,944
GEICO $2,364 $2,613 $2,866
Liberty Mutual $2,228 $2,350 $2,483
Nationwide $2,091 $2,157 $2,158
Progressive $3,136 $3,422 $3,750
State Farm $2,245 $2,401 $2,539
Travelers $2,368 $2,548 $2,737
USAA $2,367 $2,543 $2,726

What affects car insurance rates in Crystal Lake, Illinois?

What factors can have an impact on Crystal Lake, IL 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, Illinois.

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, IL is 32.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Crystal Lake, IL

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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