Cheapest Car Insurance Quotes in Crystal Lake

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Crystal Lake Car Insurance

^$ 48

/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 Crystal Lake

The car insurance rate in Crystal Lake is $1302 for a six-month policy, which is $129 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $665, making it a popular choice for budget-conscious drivers. Rates in Crystal Lake 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 Crystal Lake

$1302

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Crystal Lake

1st place: Kemper

At $665 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $686 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $805 for six months, making it the third cheapest auto insurance company in Crystal Lake.

Crystal Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Crystal Lake, CT is Kemper, offering policies at just $665 for a six-month term. This is followed by Travelers, which has an average six-month premium of $686.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3054 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Crystal Lake drivers find the best deals.

Cheap Car Insurance Companies in Crystal Lake, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$665	$112
Travelers	$686	$116
USAA	$805	$136
Amica Mutual	$897	$151
State Farm	$1076	$181
Progressive	$1195	$201
Allstate	$1292	$217
Nationwide	$1335	$225
Amica	$1421	$237
Farmers	$1903	$324
Hanover	$3054	$514

Key Takeaways

Way's key takeaways about car insurance in Crystal Lake

The auto insurance costs in Crystal Lake fall around $665 for six months.
The cheapest auto insurance company in Crystal Lake is USAA.
Teen drivers pay the highest rate in Crystal Lake at $1282 per month.

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Cheapest Minimum Liability Car Insurance in Crystal Lake

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 Crystal Lake are given below.

USAA provides the cheapest minimum car insurance coverage in Crystal Lake. Their Average 6 Month Premium is $281. Farmers is the most expensive at $881 for the same period.

Cheapest Liability Coverage in Crystal Lake, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$281	$48
Kemper	$298	$50
Amica Mutual	$400	$67
Amica	$406	$67
Progressive	$421	$71
State Farm	$443	$75
Nationwide	$497	$84
Allstate	$579	$97
Hanover	$1151	$196
Travelers	$254	$43
Farmers	$881	$150

Cheapest Full Coverage Car Insurance in Crystal Lake

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 Crystal Lake is Kemper at $112 per month and $665 for six months.

Cheapest Full Coverage Car Insurance Quotes in Crystal Lake, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$665	$112
Travelers	$686	$116
USAA	$805	$136
Amica Mutual	$897	$151
State Farm	$1076	$181
Progressive	$1195	$201
Allstate	$1292	$217
Nationwide	$1335	$225
Amica	$1421	$237
Farmers	$1903	$324
Hanover	$3054	$514

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Average Car Insurance in Crystal Lake 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 Crystal Lake, CT increasing?

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

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

Car Insurance Premiums by Age in Crystal Lake

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

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Cheapest Car Insurance Rates for Teen Drivers in Crystal Lake,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Crystal Lake at $56 per month. At $7540 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$335	$56
Amica Mutual	$416	$69
USAA	$1140	$192
Amica	$2017	$339
Allstate	$2232	$376
State Farm	$2389	$402
Progressive	$3379	$569
Nationwide	$4665	$785
Hanover	$7130	$1212
Farmers	$7216	$1203
Travelers	$7540	$1282

Teen Car Insurance Rates in CT by Age

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 Crystal Lake, Kemper is the cheapest car insurance provider. At $384 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 Crystal Lake is Amica, offering rates of around $4470 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$384	$64
Amica Mutual	$703	$119
USAA	$1340	$224
Travelers	$1357	$231
Progressive	$1605	$270
Allstate	$1752	$295
Nationwide	$1838	$309
State Farm	$3119	$525
Farmers	$3832	$639
Amica	$4470	$760

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Car Insurance Rates with An Accident in Crystal Lake

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 Crystal Lake, CT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Crystal Lake

The cheapest car insurance companies after an at-fault accident in Crystal Lake include Amica Mutual and Kemper, offering $470 and $492, respectively. Hanover is an expensive provider with an average six-month premium of $5454.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$470	$78
Kemper	$492	$83
State Farm	$767	$129
Travelers	$767	$130
USAA	$778	$131
Amica	$1379	$232
Progressive	$1638	$276
Nationwide	$2087	$351
Allstate	$3924	$654
Farmers	$4352	$740
Hanover	$5454	$909

Crystal Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Crystal Lake CT. For example, the car insurance in Crystal Lake after a DUI increases to $1724 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Crystal Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1103	$184
One Med/PIP claim	$1103	$187
Not-at-fault accident	$1140	$190
Two Med/PIP claims	$1146	$195
One comp claim	$1162	$194
Two comp claims	$1232	$209
Driving without lights	$1281	$214
Failure to wear a seat belt	$1298	$220
Child safety restraint	$1313	$219
Failure to show documents	$1319	$224
Speeding 6 - 10 MPH over limit	$1330	$222
Driving with expired registration	$1335	$227
Speeding 11 - 15 MPH over limit	$1335	$223
Speeding 16 - 20 MPH over limit	$1335	$227
Cell phone violation	$1340	$224
Texting while driving	$1340	$228
Driving too slowly	$1346	$225
Failure to stop at a red light	$1346	$228
Failure to yield	$1346	$225
Following too closely	$1346	$228
Illegal turn	$1346	$225
Improper passing	$1351	$230
Wrong way/wrong lane	$1351	$226
Speeding in school zone	$1357	$231
Speeding 21 - 25 MPH over limit	$1373	$228
At-fault accident - less than $1000	$1390	$237
In 65 MPH zone	$1443	$240
Operating a vehicle without permission	$1491	$254
Open container	$1573	$262
At-fault accident - $1000-$2000	$1724	$293
At-fault accident - greater than $2000	$1724	$288
Passing school bus	$2017	$343
Reckless driving	$2654	$442
Racing	$2735	$465
Driving with a suspended license	$2756	$460
Refusal to submit to a chemical test	$2778	$472
DUI	$2827	$471
Leaving scene of an accident/hit and run	$2876	$489

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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 Crystal Lake 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 Crystal Lake.

The cheapest car insurance premiums in Crystal Lake are offered by Kemper at $600 for a six-month policy. However, it can be as expensive as $16016 with companies like Hanover.

Crystal Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$600	$101
Progressive	$1146	$193
USAA	$1151	$194
Travelers	$1184	$197
Allstate	$1471	$248
State Farm	$1497	$252
Amica Mutual	$2481	$418
Nationwide	$2762	$465
Farmers	$4556	$774
Amica	$4990	$832
Hanover	$16016	$2724

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 Crystal Lake are offered by Kemper at $379. However, it can be as expensive as $4346 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Crystal Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$379	$63
Amica Mutual	$460	$78
State Farm	$930	$157
Travelers	$930	$158
USAA	$930	$155
Allstate	$1054	$177
Nationwide	$1313	$221
Progressive	$1416	$238
Amica	$1649	$275
Farmers	$2432	$414
Hanover	$4346	$724

Car Insurance Price Trends in Crystal Lake, Connecticut

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

The average cost of full coverage in the Crystal Lake rose by $300 in January compared to $217 of December. In other words, there has been an increase by $83 when you compare January and December.

The average cost of liability insurance in the Crystal Lake dipped to $74 in January, compared to $78 in December. This represents an decrease of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Crystal Lake?

The car insurance in Crystal Lake is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Crystal Lake?

The cheapest car insurance in Crystal Lake is $112 per month for full coverage.

How much is car insurance in Crystal Lake for teenagers?

Car insurance for teenagers costs $335 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 Crystal Lake?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $219 per month to insure your car in Crystal Lake.

Is car insurance expensive in Crystal Lake?

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

What is the best car insurance in Crystal Lake, CT?

The best car insurance company in Crystal Lake CT is Kemper, offering $665 for a six-month policy.