Best Crystal, MN Car Insurance in 2026
Car insurance in Crystal, MN averages $397 a month. Crystal, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Crystal car insurance rates, compare quotes from the top car insurance companies in Crystal, MN.
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Table of Contents
Sr. Director of Content
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...
Sara Routhier
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Updated December 2025
- The cheapest ZIP code in Crystal is 55427
- The cheapest car insurance company in Crystal is State Farm
- The cheapest car insurance company in Crystal for teen drivers is State Farm
If you need to buy Crystal, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Crystal, MN is right here.
You’ll find Crystal car insurance rates, the cheapest Crystal, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Crystal, Minnesota car insurance rates to Brooklyn Park car insurance rates, Maple Grove car insurance rates, and Rochester car insurance rates.
Ready to find affordable Crystal, MN car insurance today? Enter your ZIP code for fast, free Crystal car insurance quotes.
Cheapest Crystal, MN Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Crystal, MN car insurance rates? Every Crystal, Minnesota car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,318 | $3,318 | $3,217 | $3,217 | $7,561 | $10,807 | $4,048 | $4,213 |
| American Family | $2,400 | $2,400 | $2,186 | $2,186 | $6,712 | $9,552 | $2,400 | $2,680 |
| Farmers | $2,163 | $2,167 | $2,071 | $2,218 | $6,577 | $6,739 | $2,872 | $2,840 |
| Geico | $2,636 | $2,608 | $2,508 | $2,438 | $5,819 | $7,332 | $2,462 | $2,590 |
| Liberty Mutual | $9,874 | $9,874 | $9,782 | $9,782 | $18,947 | $28,184 | $9,874 | $13,551 |
| Nationwide | $2,178 | $2,167 | $1,944 | $2,050 | $5,781 | $6,948 | $2,585 | $2,663 |
| State Farm | $1,778 | $1,778 | $1,615 | $1,615 | $4,085 | $4,961 | $2,051 | $1,693 |
| USAA | $1,909 | $1,863 | $1,757 | $1,723 | $5,261 | $5,673 | $2,467 | $2,578 |
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Minimum Car Insurance in Crystal, MN
Every driver must carry the minimum car insurance required by the state in Crystal, MN. Take a look at the Minnesota car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Crystal, MN Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Crystal, MN. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Crystal from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,251 | $3,954 | $3,682 |
| American Family | $5,299 | $3,424 | $2,720 |
| Farmers | $4,266 | $3,153 | $2,950 |
| Geico | $4,258 | $3,487 | $2,902 |
| Liberty Mutual | $19,130 | $12,386 | $9,685 |
| Nationwide | $3,918 | $3,160 | $2,790 |
| State Farm | $3,568 | $2,181 | $1,590 |
| USAA | $4,485 | $2,248 | $1,979 |
Cheapest Crystal, MN Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Crystal, MN to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,529 | $5,254 | $6,354 | $4,713 |
| American Family | $2,576 | $4,572 | $5,192 | $2,917 |
| Farmers | $2,967 | $3,713 | $3,770 | $3,374 |
| Geico | $2,379 | $3,749 | $5,521 | $2,548 |
| Liberty Mutual | $9,746 | $13,639 | $21,043 | $10,505 |
| Nationwide | $2,623 | $3,464 | $3,973 | $3,098 |
| State Farm | $2,224 | $2,669 | $2,447 | $2,447 |
| USAA | $2,154 | $2,766 | $4,135 | $2,561 |
Cheapest Crystal, MN Car Insurance for Teen Drivers
Teen car insurance in Crystal, MN can be expensive. Take a look at rates from the top car insurance companies in Crystal for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,561 | $10,807 |
| American Family | $6,712 | $9,552 |
| Farmers | $6,577 | $6,739 |
| Geico | $5,819 | $7,332 |
| Liberty Mutual | $18,947 | $28,184 |
| Nationwide | $5,781 | $6,948 |
| State Farm | $4,085 | $4,961 |
| USAA | $5,261 | $5,673 |
Cheapest Crystal, MN Car Insurance for Seniors
Take a look at Crystal, MN rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,217 | $3,217 |
| American Family | $2,186 | $2,186 |
| Farmers | $2,071 | $2,218 |
| Geico | $2,508 | $2,438 |
| Liberty Mutual | $9,782 | $9,782 |
| Nationwide | $1,944 | $2,050 |
| State Farm | $1,615 | $1,615 |
| USAA | $1,757 | $1,723 |
Cheapest Crystal, MN Car Insurance Rates After a DUI
A DUI in Crystal, MN increases car insurance rates. Compare Crystal, Minnesota car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,354 |
| American Family | $5,192 |
| Farmers | $3,770 |
| Geico | $5,521 |
| Liberty Mutual | $21,043 |
| Nationwide | $3,973 |
| State Farm | $2,447 |
| USAA | $4,135 |
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Cheapest Crystal, MN Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Crystal, MN by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,962 | $4,962 |
| American Family | $3,770 | $3,858 |
| Farmers | $3,456 | $3,456 |
| Geico | $3,499 | $3,599 |
| Liberty Mutual | $13,345 | $14,122 |
| Nationwide | $3,289 | $3,289 |
| State Farm | $2,377 | $2,517 |
| USAA | $2,866 | $2,942 |
Cheapest Crystal, MN Car Insurance Rates by ZIP Code
Crystal car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Crystal, MN.
| ZIP Code | Average Annual Rates |
|---|---|
| 55422 | $3,727 |
| 55427 | $3,578 |
| 55428 | $3,677 |
| 55429 | $3,959 |
The Best Cheap Car Insurance Companies in Crystal, MN
Take a look at a side-by-side comparison of the top car insurance companies in Crystal, MN to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,962 |
| American Family | $3,814 |
| Farmers | $3,456 |
| Geico | $3,549 |
| Liberty Mutual | $13,733 |
| Nationwide | $3,289 |
| State Farm | $2,447 |
| USAA | $2,904 |
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Category Winners: Cheapest Car Insurance in Crystal, Minnesota
Find the cheapest car insurance companies in Crystal, MN for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
Cheapest Crystal, MN Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Crystal car insurance rates. Find the cheapest Crystal, MN car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,867 | $4,960 | $5,060 |
| American Family | $3,788 | $3,916 | $3,739 |
| Farmers | $3,314 | $3,474 | $3,580 |
| Geico | $3,424 | $3,551 | $3,672 |
| Liberty Mutual | $13,339 | $13,748 | $14,114 |
| Nationwide | $3,092 | $3,319 | $3,457 |
| State Farm | $2,334 | $2,459 | $2,547 |
| USAA | $2,812 | $2,902 | $2,997 |
What affects car insurance rates in Crystal, Minnesota?
What are the factors that affect car insurance rates in Crystal, MN? There are several reasons why Crystal car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Crystal, Minnesota.
Commute Time in Crystal
The more time you spend in your car the higher the risk of an accident. The average commute length in Crystal, MN is 23.1 minutes according to City-Data.
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Compare Car Insurance Quotes in Crystal, MN
Ready to find affordable Crystal, Minnesota car insurance today? Enter your ZIP code for fast, free Crystal, MN car insurance quotes.
Frequently Asked Questions
How much does car insurance in Crystal, MN cost on average?
Car insurance in Crystal, MN averages $397 per month.
What are the car insurance requirements in Crystal, MN?
The car insurance requirements in Crystal, MN are 30/60/10, but if your car is financed, you may need full coverage insurance.
How can I find cheap car insurance rates in Crystal, MN?
To find cheap car insurance rates in Crystal, MN, compare quotes from the top car insurance companies in the area.
How do factors like age, gender, and marital status affect car insurance rates in Crystal, MN?
Every car insurance company weighs these factors differently, so it’s important to compare rates to see how they affect your premiums.
What is the minimum car insurance required in Crystal, MN?
Every driver in Crystal, MN must carry the minimum car insurance required by the state. Check the Minnesota car insurance requirements for details.
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