Compare Joliet, IL Car Insurance Rates (2021)

Car insurance in Joliet, IL averages $288 a month. Joliet, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Joliet car insurance rates, compare quotes from the top car insurance companies in Joliet, IL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Joliet is Liberty Mutual
  • The cheapest car insurance company in Joliet for teen drivers is Nationwide
  • Average car insurance rates in Joliet, IL are $3,459/year

If you need to buy Joliet, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Joliet, IL is right here.

You’ll find Joliet car insurance rates, the cheapest Joliet, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Joliet, Illinois car insurance rates to Chicago car insurance rates, Springfield car insurance rates, and Cicero car insurance rates.

Ready to find affordable Joliet, IL car insurance today? Enter your ZIP code for fast, free Joliet car insurance quotes.

Cheapest Joliet, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Joliet, IL car insurance rates? Every Joliet, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Joliet, 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 $3,390 $3,405 $3,555 $3,555 $8,913 $11,584 $4,078 $4,408
American Family $2,331 $2,331 $2,141 $2,141 $6,733 $9,279 $2,331 $3,015
Farmers $2,639 $2,638 $2,332 $2,475 $11,824 $12,341 $3,018 $3,143
GEICO $1,870 $1,929 $1,837 $2,070 $6,758 $6,975 $2,155 $2,227
Liberty Mutual $1,435 $1,545 $1,185 $1,325 $5,093 $5,666 $1,500 $1,578
Nationwide $1,562 $1,583 $1,400 $1,473 $4,261 $5,425 $1,817 $1,957
Progressive $2,254 $2,108 $1,862 $1,958 $8,567 $9,603 $2,682 $2,903
State Farm $1,672 $1,672 $1,517 $1,517 $5,361 $6,763 $1,897 $2,189
Travelers $1,647 $1,735 $1,525 $1,624 $5,031 $6,373 $1,742 $1,833
USAA $1,654 $1,670 $1,539 $1,501 $5,496 $6,038 $2,175 $2,370

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Minimum Car Insurance in Joliet, IL

Every driver must carry the minimum car insurance in Joliet, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Joliet, 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

Cheapest Joliet, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Joliet, IL. Compare credit history car insurance rates in Joliet from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Joliet, Illinois

Insurance Company Poor Fair Good
Allstate $6,821 $4,938 $4,324
American Family $5,023 $3,433 $2,908
Farmers $5,722 $4,835 $4,598
GEICO $5,197 $2,525 $1,962
Liberty Mutual $3,412 $2,139 $1,697
Nationwide $2,897 $2,350 $2,057
Progressive $4,535 $3,863 $3,579
State Farm $4,103 $2,459 $1,909
Travelers $3,265 $2,655 $2,146
USAA $3,726 $2,569 $2,121

Cheapest Joliet, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Joliet, IL to rates for a clean record with top companies.

Annual Joliet, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,787 $6,542 $6,089 $5,025
American Family $2,784 $3,953 $5,257 $3,157
Farmers $4,260 $5,510 $5,372 $5,063
GEICO $2,165 $3,463 $4,737 $2,545
Liberty Mutual $2,005 $2,869 $2,510 $2,281
Nationwide $1,980 $2,536 $2,963 $2,260
Progressive $3,276 $4,915 $3,636 $4,142
State Farm $2,559 $3,088 $2,823 $2,823
Travelers $2,131 $2,809 $3,137 $2,678
USAA $1,991 $2,882 $3,944 $2,406

Cheapest Joliet, IL Car Insurance for Teen Drivers

Teen car insurance in Joliet, IL can be expensive. Take a look at rates from the top car insurance companies in Joliet for teenagers.

Annual Car Insurance Rates for Teen Drivers in Joliet, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,913 $11,584
American Family $6,733 $9,279
Farmers $11,824 $12,341
GEICO $6,758 $6,975
Liberty Mutual $5,093 $5,666
Nationwide $4,261 $5,425
Progressive $8,567 $9,603
State Farm $5,361 $6,763
Travelers $5,031 $6,373
USAA $5,496 $6,038

Cheapest Joliet, IL Car Insurance for Seniors

Take a look at Joliet, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Joliet, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,555 $3,555
American Family $2,141 $2,141
Farmers $2,332 $2,475
GEICO $1,837 $2,070
Liberty Mutual $1,185 $1,325
Nationwide $1,400 $1,473
Progressive $1,862 $1,958
State Farm $1,517 $1,517
Travelers $1,525 $1,624
USAA $1,539 $1,501

Cheapest Joliet, IL Car Insurance Rates After a DUI

A DUI in Joliet, IL increases car insurance rates. Compare Joliet, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Joliet, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,089
American Family $5,257
Farmers $5,372
GEICO $4,737
Liberty Mutual $2,510
Nationwide $2,963
Progressive $3,636
State Farm $2,823
Travelers $3,137
USAA $3,944

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Cheapest Joliet, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Joliet, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Joliet, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,361 $5,361
American Family $3,740 $3,836
Farmers $5,051 $5,051
GEICO $3,172 $3,283
Liberty Mutual $2,416 $2,416
Nationwide $2,435 $2,435
Progressive $3,992 $3,992
State Farm $2,752 $2,895
Travelers $2,583 $2,795
USAA $2,727 $2,884

Cheapest Joliet, IL Car Insurance Rates by ZIP Code

Joliet car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Joliet, IL.

Annual Car Insurance Rates by ZIP Code in Joliet, Illinois

ZIP Code Average Annual Rates
60432 $3,525
60433 $3,641
60435 $3,434
60436 $3,494
60451 $3,263

The Best Cheap Car Insurance Companies in Joliet, IL

Take a look at a side-by-side comparison of the top car insurance companies in Joliet, IL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Joliet, Illinois

Insurance Company Average Annual Rates
Allstate $5,361
American Family $3,788
Farmers $5,051
GEICO $3,228
Liberty Mutual $2,416
Nationwide $2,435
Progressive $3,992
State Farm $2,823
Travelers $2,689
USAA $2,806

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Category Winners: Cheapest Car Insurance in Joliet, Illinois

Find the cheapest car insurance companies in Joliet, IL for each category right here.

Best Annual Car Insurance Rates by Company in Joliet, Illinois

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation Nationwide

Cheapest Joliet, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Joliet car insurance rates. Find the cheapest Joliet, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Joliet, Illinois

Insurance Company Low Medium High
Allstate $5,190 $5,355 $5,537
American Family $3,629 $3,927 $3,808
Farmers $4,784 $4,920 $5,450
GEICO $2,904 $3,220 $3,559
Liberty Mutual $2,276 $2,411 $2,560
Nationwide $2,403 $2,456 $2,445
Progressive $3,633 $3,975 $4,368
State Farm $2,641 $2,828 $3,001
Travelers $2,509 $2,685 $2,872
USAA $2,615 $2,804 $2,998

What affects car insurance rates in Joliet, Illinois?

What factors can have an impact on Joliet, IL car insurance? There are several reasons why Joliet car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Joliet, Illinois.

Commute Time in Joliet

The more time you spend in your car the higher the risk of an accident. The average commute length in Joliet, IL is 30.7 minutes according to City-Data.

Traffic in Joliet

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Joliet, IL traffic data from INRIX ranks Joliet as the 705th-most congested in the world.

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Compare Car Insurance Quotes in Joliet, IL

Ready to find affordable Joliet, Illinois car insurance today? Enter your ZIP code for fast, free Joliet, IL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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