Compare Crystal Lakes, MO Car Insurance Rates (2021)

Car insurance in Crystal Lakes, MO averages $279 a month. Crystal Lakes, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Crystal Lakes car insurance rates, compare quotes from the top car insurance companies in Crystal Lakes, MO.

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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 Lakes, MO after a DUI are $3,916/year
  • Average car insurance rates in Crystal Lakes, MO are $3,351/year
  • The cheapest car insurance company in Crystal Lakes for teen drivers is Nationwide

If you need to buy Crystal Lakes, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Crystal Lakes, MO is right here.

You’ll find Crystal Lakes car insurance rates, the cheapest Crystal Lakes, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Crystal Lakes, Missouri car insurance rates to Kansas City car insurance rates, Blue Springs car insurance rates, and Independence car insurance rates.

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

Cheapest Crystal Lakes, MO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Crystal Lakes, MO car insurance rates? Every Crystal Lakes, Missouri 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 Lakes, Missouri

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 $2,787 $2,694 $2,514 $2,592 $7,830 $8,498 $2,662 $2,746
American Family $2,130 $2,130 $1,899 $1,899 $5,879 $7,635 $2,130 $2,485
Farmers $2,360 $2,350 $2,105 $2,231 $9,827 $10,170 $2,692 $2,811
GEICO $1,840 $2,071 $1,440 $1,873 $5,877 $6,186 $1,673 $1,664
Liberty Mutual $2,919 $3,162 $2,399 $2,692 $10,305 $11,444 $3,075 $3,277
Nationwide $1,533 $1,567 $1,370 $1,453 $3,910 $5,015 $1,752 $1,897
Progressive $2,018 $1,867 $1,658 $1,703 $6,799 $7,633 $2,463 $2,523
State Farm $1,639 $1,639 $1,466 $1,466 $4,777 $6,020 $1,846 $2,112
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

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Minimum Car Insurance in Crystal Lakes, MO

Every driver must carry the minimum car insurance in Crystal Lakes, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in Crystal Lakes, Missouri

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

Cheapest Crystal Lakes, MO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Crystal Lakes, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,588 $2,962
American Family $4,276 $3,008 $2,535
Farmers $4,927 $4,115 $3,914
GEICO $3,905 $2,544 $2,035
Liberty Mutual $7,037 $4,304 $3,386
Nationwide $2,729 $2,251 $1,956
Progressive $3,844 $3,200 $2,955
State Farm $3,605 $2,340 $1,917
USAA $4,216 $1,958 $1,402

Cheapest Crystal Lakes, MO 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 Lakes, MO to rates for a clean record with top companies.

Annual Crystal Lakes, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,459 $3,906 $4,875 $3,922
American Family $2,440 $3,536 $4,326 $2,791
Farmers $3,730 $4,650 $4,546 $4,347
GEICO $2,174 $2,862 $3,909 $2,368
Liberty Mutual $3,560 $5,125 $5,276 $5,676
Nationwide $1,820 $2,331 $3,107 $1,991
Progressive $2,875 $3,881 $3,197 $3,379
State Farm $2,406 $2,835 $2,621 $2,621
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Crystal Lakes, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Crystal Lakes, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,830 $8,498
American Family $5,879 $7,635
Farmers $9,827 $10,170
GEICO $5,877 $6,186
Liberty Mutual $10,305 $11,444
Nationwide $3,910 $5,015
Progressive $6,799 $7,633
State Farm $4,777 $6,020
USAA $4,587 $5,609

Cheapest Crystal Lakes, MO Car Insurance for Seniors

Take a look at Crystal Lakes, MO 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 Lakes, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,514 $2,592
American Family $1,899 $1,899
Farmers $2,105 $2,231
GEICO $1,440 $1,873
Liberty Mutual $2,399 $2,692
Nationwide $1,370 $1,453
Progressive $1,658 $1,703
State Farm $1,466 $1,466
USAA $1,391 $1,422

Cheapest Crystal Lakes, MO Car Insurance Rates After a DUI

A DUI in Crystal Lakes, MO increases car insurance rates. Compare Crystal Lakes, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Crystal Lakes, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,875
American Family $4,326
Farmers $4,546
GEICO $3,909
Liberty Mutual $5,276
Nationwide $3,107
Progressive $3,197
State Farm $2,621
USAA $3,392

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Cheapest Crystal Lakes, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Crystal Lakes, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,040 $4,040
American Family $3,241 $3,305
Farmers $4,318 $4,318
GEICO $2,776 $2,880
Liberty Mutual $4,909 $4,909
Nationwide $2,312 $2,312
Progressive $3,333 $3,333
State Farm $2,557 $2,685
USAA $2,433 $2,618

The Best Cheap Car Insurance Companies in Crystal Lakes, MO

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

Average Annual Car Insurance Rates by Company in Crystal Lakes, Missouri

Insurance Company Average Annual Rates
Allstate $4,040
American Family $3,273
Farmers $4,318
GEICO $2,828
Liberty Mutual $4,909
Nationwide $2,312
Progressive $3,333
State Farm $2,621
USAA $2,526

Category Winners: Cheapest Car Insurance in Crystal Lakes, Missouri

Find the cheapest car insurance companies in Crystal Lakes, MO for each category right here.

Best Annual Car Insurance Rates by Company in Crystal Lakes, Missouri

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

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Cheapest Crystal Lakes, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Crystal Lakes, Missouri

Insurance Company Low Medium High
Allstate $3,900 $4,032 $4,189
American Family $3,167 $3,376 $3,277
Farmers $4,042 $4,278 $4,635
GEICO $2,617 $2,854 $3,013
Liberty Mutual $4,632 $4,936 $5,159
Nationwide $2,177 $2,332 $2,427
Progressive $2,985 $3,342 $3,672
State Farm $2,461 $2,631 $2,770
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Crystal Lakes, Missouri?

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

Commute Time in Crystal Lakes

The more time you spend in your car the higher the risk of an accident. The average commute length in Crystal Lakes, MO is 37.8 minutes according to City-Data.

Compare Car Insurance Quotes in Crystal Lakes, MO

Ready to find affordable Crystal Lakes, Missouri car insurance today? Enter your ZIP code for fast, free Crystal Lakes, MO car insurance quotes.

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