Buy Cheap Crystal Lake, IL Auto Insurance (2022)

Crystal Lake, IL auto insurance rates average $259 a month. Minimum auto insurance requirements in Crystal Lake, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Crystal Lake, IL, compare Crystal Lake auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in Crystal Lake, IL are $259/month
  • The most expensive auto insurance company in Crystal Lake is Allstate
  • The most expensive auto insurance company in Crystal Lake after a DUI is Allstate

Finding affordable Crystal Lake, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Crystal Lake, IL auto insurance with confidence is right here. Auto insurance rates in Crystal Lake are affected by local factors as well as personal ones like your driving record.

See how Crystal Lake, IL car insurance rates compare to Naperville auto insurance rates, Rockford auto insurance rates, and Springfield auto insurance rates before you read more about the cost of auto insurance in Crystal Lake.

Don’t buy Crystal Lake, IL auto insurance until you’ve compared rates. Get free Crystal Lake, Illinois auto insurance quotes when you enter your ZIP code above.

Crystal Lake, IL Minimum Auto Insurance Requirements

The required auto insurance in Crystal Lake, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Crystal Lake, Illinois is outlined here.

Minimum Required Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Crystal Lake, IL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Crystal Lake, IL. Take a look at Crystal Lake, Illinois auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Crystal Lake, IL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Crystal Lake, Illinois auto insurance rates? Find out how car insurance rates in Crystal Lake, IL are impacted by demographics.

Annual Auto 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

Buy Cheap Crystal Lake, IL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Crystal Lake can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Crystal Lake, IL are listed here.

Annual Auto 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

Buy Cheap Crystal Lake, IL Auto Insurance for Seniors

You can save on senior auto insurance rates in Crystal Lake, Illinois by comparing Crystal Lake senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Crystal Lake, IL here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Crystal Lake, IL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Crystal Lake, Illinois auto insurance. Compare Crystal Lake, IL auto insurance rates by coverage level.

Annual Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Crystal Lake, IL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Crystal Lake. Compare auto insurance rates in Crystal Lake, IL by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Crystal Lake, IL Auto Insurance Rates by ZIP Code

Auto insurance rates in Crystal Lake, Illinois can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Crystal Lake, IL to see how much where you live in Crystal Lake affects the cost of car insurance.

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

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

Find Cheap Crystal Lake, IL Auto Insurance Rates by Driving Record

Auto insurance rates in Crystal Lake, Illinois are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Crystal Lake, IL, take a look at the average cost for various violations versus rates for a clean driving record in Crystal Lake.

Annual Crystal Lake, Illinois Auto 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

Find Cheap Crystal Lake, IL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Crystal Lake, Illinois is higher than for a clean driving record. You can buy auto insurance after a DUI in Crystal Lake for less when you shop around and compare rates from multiple Crystal Lake, IL auto insurance companies.

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

Insurance Company Annual Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Winners by Category: Where to Buy Cheap Auto Insurance in Crystal Lake, IL

Compare rates from the cheapest auto insurance companies in Crystal Lake, IL for your needs. Take a look at how Crystal Lake, Illinois auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Crystal Lake, Illinois Auto Insurance Companies

If you’re looking for the cheapest Crystal Lake, IL auto insurance companies overall, you can compare them here. Find the best price for Crystal Lake, Illinois car insurance by company.

Average Annual Auto 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

What affects Crystal Lake, Illinois auto insurance rates?

Local factors affect auto insurance rates in Crystal Lake, IL, including traffic, theft statistics, and commute length. Take a look at the things that impact Crystal Lake auto insurance rates.

Commute Times in Crystal Lake

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Crystal Lake, IL is 32.0 minutes according to City-Data.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Compare Auto Insurance Quotes in Crystal Lake, IL

You can buy cheap Crystal Lake, IL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Crystal Lake, Illinois auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption