Cheapest Car Insurance Quotes in Crystal

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Crystal Car Insurance

^$ 28

/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

The car insurance rate in Crystal is $940 for a six-month policy, which is $137 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $501, making it a popular choice for budget-conscious drivers. Rates in Crystal 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

$940

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Crystal

1st place: AAA

At $501 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 $605 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 $612 for six months, making it the third cheapest auto insurance company in Crystal.

Crystal Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Crystal, MN is AAA, offering policies at just $501 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $605.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1814 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Crystal drivers find the best deals.

Cheap Car Insurance Companies in Crystal, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$501	$85
Iowa Farm Bureau	$605	$101
Auto-Owners Insurance Co	$612	$104
Westfield	$612	$102
American Family	$744	$125
Travelers	$792	$133
West Bend Mutual	$792	$133
Nationwide	$938	$157
USAA	$952	$160
Auto-Owners	$1028	$173
State Farm	$1161	$195
West Bend	$1168	$194
Allstate	$1439	$242
Farmers	$1814	$302

Key Takeaways

Way's key takeaways about car insurance in Crystal

The auto insurance costs in Crystal fall around $501 for six months.
The cheapest auto insurance company in Crystal is Westfield.
Teen drivers pay the highest rate in Crystal at $1095 per month.

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Cheapest Minimum Liability Car Insurance in Crystal

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 are given below.

Westfield provides the cheapest minimum car insurance coverage in Crystal. Their Average 6 Month Premium is $167. Nationwide is the most expensive at $362 for the same period.

Cheapest Liability Coverage in Crystal, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
West Bend Mutual	$236	$40
AAA	$243	$41
North Star Mutual	$257	$43
North Star Mutual Insurance	$257	$43
USAA	$257	$43
Auto-Owners	$291	$49
Auto-Owners Insurance Co	$291	$49
Iowa Farm Bureau	$291	$49
West Bend	$291	$49
Farmers Union Insurance	$298	$50
Travelers	$319	$54
American Family	$333	$56
State Farm	$333	$56
Western National	$355	$61
Allstate	$577	$97
Farmers	$813	$138
Nationwide	$362	$60

Cheapest Full Coverage Car Insurance in Crystal

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 is AAA at $85 per month and $501 for six months.

Cheapest Full Coverage Car Insurance Quotes in Crystal, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$501	$85
Iowa Farm Bureau	$605	$101
Auto-Owners Insurance Co	$612	$104
Westfield	$612	$102
American Family	$744	$125
Travelers	$792	$133
West Bend Mutual	$792	$133
Nationwide	$938	$157
USAA	$952	$160
Auto-Owners	$1028	$173
State Farm	$1161	$195
West Bend	$1168	$194
Allstate	$1439	$242
Farmers	$1814	$302

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Average Car Insurance in Crystal 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, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Crystal, 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, Crystal'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

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	$778
30s	Farm Bureau Mutual	$556
40s	Farm Bureau Mutual	$550
50s	Farm Bureau Mutual	$462
60s	Farm Bureau Mutual	$474
70s	Farm Bureau Mutual	$556

Cheapest Car Insurance Rates for Teen Drivers in Crystal,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Crystal at $34 per month. At $6567 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$201	$34
North Star Mutual Insurance	$278	$47
Auto-Owners Insurance Co	$298	$50
AAA	$305	$51
Iowa Farm Bureau	$305	$51
Farmers Union Insurance	$319	$54
Umialik	$397	$68
Travelers	$1014	$171
Auto-Owners	$1459	$246
USAA	$1550	$261
American Family	$1877	$316
State Farm	$2252	$379
Allstate	$3773	$635
Farmers	$6567	$1095

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Crystal.

As young drivers face the highest rates in Crystal, Farm Bureau Mutual offers the cheapest auto insurance rates at $778 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 Crystal, West Bend Mutual is the cheapest car insurance provider. At $298 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 is State Farm, offering rates of around $6018 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$298	$50
Westfield	$369	$61
Farmers Union Insurance	$410	$70
Iowa Farm Bureau	$577	$96
AAA	$653	$111
American Family	$1251	$211
USAA	$1737	$296
Travelers	$2078	$346
Auto-Owners	$2815	$479
Farmers	$3440	$573
Allstate	$3891	$662
State Farm	$6018	$1003

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Save up to $971/yr on car insurance rates in Crystal.

Car Insurance Rates with An Accident in Crystal

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, MN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Crystal include Westfield and Umialik, offering $243 and $305, respectively. Nationwide is an expensive provider with an average six-month premium of $480.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$243	$41
Umialik	$305	$51
Western National	$333	$56
Iowa Farm Bureau	$376	$64
Auto-Owners Insurance Co	$397	$66
Farmers Union Insurance	$404	$69
AAA	$410	$68
West Bend Mutual	$410	$70
North Star Mutual	$431	$71
North Star Mutual Insurance	$473	$81
Encompass	$515	$85
Auto-Owners	$744	$125
State Farm	$785	$132
Travelers	$827	$139
USAA	$952	$160
American Family	$1154	$194
Allstate	$2516	$424
Farmers	$2704	$460
Nationwide	$480	$80

Crystal Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Crystal MN. For example, the car insurance in Crystal after a DUI increases to $1279 for a six month policy. While the rate increases by $263 for a six-month policy in the case of a speeding ticket.

Crystal auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1196	$199
One Med/PIP claim	$1210	$206
Not-at-fault accident	$1230	$205
One comp claim	$1272	$216
Two Med/PIP claims	$1272	$212
Two comp claims	$1328	$226
Failure to wear a seat belt	$1362	$227
Failure to show documents	$1383	$235
Child safety restraint	$1404	$234
Driving without lights	$1404	$239
Driving with expired registration	$1432	$239
Cell phone violation	$1459	$248
Speeding 6 - 10 MPH over limit	$1459	$243
Texting while driving	$1459	$248
Following too closely	$1473	$246
Driving too slowly	$1480	$252
Failure to yield	$1480	$247
Illegal turn	$1480	$252
Speeding in school zone	$1480	$247
Wrong way/wrong lane	$1480	$252
Failure to stop at a red light	$1487	$248
Improper passing	$1487	$253
Speeding 11 - 15 MPH over limit	$1494	$249
Speeding 16 - 20 MPH over limit	$1508	$256
At-fault accident - less than $1000	$1543	$257
Passing school bus	$1543	$262
In 65 MPH zone	$1550	$259
Operating a vehicle without permission	$1557	$264
Speeding 21 - 25 MPH over limit	$1605	$268
At-fault accident - $1000-$2000	$1716	$291
Open container	$1723	$288
At-fault accident - greater than $2000	$1759	$300
Reckless driving	$2154	$359
Racing	$2224	$378
Driving with a suspended license	$2363	$394
Refusal to submit to a chemical test	$2390	$406
DUI	$2475	$412
Leaving scene of an accident/hit and run	$2565	$436

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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 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.

The cheapest car insurance premiums in Crystal are offered by Umialik at $305 for a six-month policy. However, it can be as expensive as $2738 with companies like Farmers.

Crystal car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$305	$51
West Bend Mutual	$319	$54
Western National	$319	$54
Farmers Union Insurance	$383	$66
Westfield	$431	$71
Iowa Farm Bureau	$563	$96
Country Financial	$598	$99
Auto-Owners Insurance Co	$639	$109
Travelers	$869	$146
State Farm	$924	$156
American Family	$1042	$176
Auto-Owners	$1237	$208
USAA	$1258	$212
Allstate	$2593	$436
Farmers	$2738	$456

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 are offered by Westfield at $201. However, it can be as expensive as $2613 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Crystal after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$201	$34
Iowa Farm Bureau	$319	$54
West Bend Mutual	$319	$54
Western National	$319	$54
Auto-Owners Insurance Co	$333	$56
Farmers Union Insurance	$362	$62
State Farm	$653	$110
American Family	$751	$126
USAA	$889	$149
Auto-Owners	$903	$153
Travelers	$931	$156
Farmers	$2272	$386
Allstate	$2613	$435

Car Insurance Price Trends in Crystal, Minnesota

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

The average cost of full coverage in the Crystal rose by $207 in December compared to $206 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 Crystal remained steady at $57 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Crystal?

The car insurance in Crystal is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Crystal?

The cheapest car insurance in Crystal is $85 per month for full coverage.

How much is car insurance in Crystal for teenagers?

Car insurance for teenagers costs $201 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?

The average cost of car insurance is $803 for a six-month policy. It will cost around $157 per month to insure your car in Crystal.

Is car insurance expensive in Crystal?

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

Cheapest Car Insurance Quotes in Crystal

Why you can trust Way?

How Much Is Car Insurance in Crystal

Avg. Car Insurance in Crystal

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Crystal

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Crystal Car Insurance Rates by Company

Cheap Car Insurance Companies in Crystal, MN

Way's key takeaways about car insurance in Crystal

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Crystal

Cheapest Liability Coverage in Crystal, MN

Cheapest Full Coverage Car Insurance in Crystal

Cheapest Full Coverage Car Insurance Quotes in Crystal, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Crystal by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Crystal, MN increasing?

Car Insurance Premiums by Age in Crystal

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Crystal,MN

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Crystal.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Crystal

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

Crystal Car Insurance Rates by Violation

Crystal auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Crystal after a DUI

Crystal car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Crystal after Speeding ticket

Car Insurance Price Trends in Crystal, Minnesota

Average Car Insurance Cost in Crystal by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Crystal, MN

Car Insurance Rates by State in the USA (2025 Update)

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