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Finding the cheapest car insurance quotes in Crosslake shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Crosslake
The car insurance rate in Crosslake is $867 for a six-month policy, which is $64 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $462, making it a popular choice for budget-conscious drivers. Rates in Crosslake 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.
At $462 for a six
month policy, AAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Iowa Farm Bureau
Iowa Farm Bureau offers auto
insurance rates at $558 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 $565
for six months, making it
the third cheapest auto insurance company in Crosslake.
Crosslake Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Crosslake, MN is AAA, offering policies at just $462 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $558.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1674 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Crosslake drivers find the best deals.
Way's key takeaways about car insurance in Crosslake
The auto insurance costs in Crosslake fall around $462 for six
months.
The cheapest auto insurance company in Crosslake is Westfield.
Teen drivers pay the highest rate in Crosslake at $1011 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 Crosslake
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 Crosslake are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Crosslake. Their Average 6 Month Premium is $154.
Nationwide is the most
expensive at $334 for the same
period.
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 Crosslake is AAA
at $79 per month and $462
for six months.
Cheapest Full Coverage Car Insurance Quotes in Crosslake,
MN
Get Your Car Insurance Quote in Crosslake
Instantly!
Average Car Insurance in Crosslake 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 Crosslake, MN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Crosslake, Minnesota, may be increasing due to several external factors.
Minnesota has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Crosslake's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Crosslake
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
Farm Bureau Mutual
$718
30s
Farm Bureau Mutual
$513
40s
Farm Bureau Mutual
$508
50s
Farm Bureau Mutual
$427
60s
Farm Bureau Mutual
$437
70s
Farm Bureau Mutual
$513
Cheapest Car Insurance Rates for Teen Drivers in
Crosslake,MN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Crosslake at $31
per
month. At $6062 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Farm Bureau Mutual is
the best choice for car
insurance in Crosslake.
As young drivers face the highest rates in Crosslake, Farm Bureau Mutual
offers the cheapest auto insurance rates at $718 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 Crosslake,
West Bend Mutual is
the cheapest car insurance provider. At $275 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
Crosslake is State Farm, offering
rates of around $5556 for six
months.
Save up to $971/yr on car insurance rates in Crosslake.
Car Insurance Rates with An Accident in Crosslake
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 Crosslake, MN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Crosslake
The cheapest car insurance companies after an at-fault accident in
Crosslake include Westfield
and Umialik, offering $225
and $282,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$443.
Here is a list of driving violations that can increase your car
insurance rates in Crosslake MN. For example, the car
insurance in Crosslake
after a DUI increases to $1180 for a six
month policy. While the rate increases by $243 for a six-month policy in the case of
a speeding ticket.
Crosslake auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1104
$184
One Med/PIP claim
$1117
$190
Not-at-fault accident
$1135
$189
One comp claim
$1174
$200
Two Med/PIP claims
$1174
$195
Two comp claims
$1226
$208
Failure to wear a seat belt
$1257
$210
Failure to show documents
$1277
$217
Child safety restraint
$1296
$216
Driving without lights
$1296
$220
Driving with expired registration
$1322
$220
Cell phone violation
$1347
$229
Speeding 6 - 10 MPH over limit
$1347
$225
Texting while driving
$1347
$229
Following too closely
$1360
$227
Driving too slowly
$1366
$232
Failure to yield
$1366
$228
Illegal turn
$1366
$232
Speeding in school zone
$1366
$228
Wrong way/wrong lane
$1366
$232
Failure to stop at a red light
$1373
$229
Improper passing
$1373
$233
Speeding 11 - 15 MPH over limit
$1379
$230
Speeding 16 - 20 MPH over limit
$1392
$237
At-fault accident - less than $1000
$1425
$238
Passing school bus
$1425
$242
In 65 MPH zone
$1431
$239
Operating a vehicle without permission
$1437
$244
Speeding 21 - 25 MPH over limit
$1482
$247
At-fault accident - $1000-$2000
$1584
$269
Open container
$1591
$266
At-fault accident - greater than $2000
$1623
$276
Reckless driving
$1988
$332
Racing
$2053
$349
Driving with a suspended license
$2182
$364
Refusal to submit to a chemical test
$2206
$375
DUI
$2284
$380
Leaving scene of an accident/hit and run
$2367
$403
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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 Crosslake 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 Crosslake.
The cheapest car insurance premiums in
Crosslake are
offered by Umialik at $282 for a six-month policy.
However, it can be as
expensive as $2527 with companies
like Farmers.
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 Crosslake are offered by Westfield
at $186. However,
it can be as expensive as $2412
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Crosslake after Speeding ticket
Car Insurance Price Trends in Crosslake,
Minnesota
Car insurance rates in Crosslake have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Crosslake rose by
$191 in December
compared to $190 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Crosslake remained steady at $53 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Crosslake by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Crosslake. At $1734 for a
six-month policy, insuring
your car at 56442 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Crosslake?
The car insurance in Crosslake is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Crosslake?
The cheapest car insurance in Crosslake
is $79 per month
for full coverage.
How much is car insurance in Crosslake for teenagers?
Car insurance for teenagers costs $186 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
Crosslake?
The average cost of car insurance is $803 for a six-month
policy. It will cost around $145 per month to insure your
car in Crosslake.
Is car insurance expensive in Crosslake?
Car insurance can be expensive in Crosslake if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Crosslake can be
affordable.
What is the best car insurance in Crosslake,
MN?
The best car insurance company in Crosslake
MN is
AAA, offering $462 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Crosslake, MN
Car Insurance Rates by State in the USA (2025 Update)
Crosslake Car Insurance
