Compare Joliet, IL Car Insurance Rates (2021)

The average cost of car insurance in Joliet, Illinois, is $288 per month or $3,458 annually. The cheapest Joliet, IL car insurance company is Liberty Mutual. However, your individual Joliet, IL car insurance rates depend on your age, driving record, and coverage needs. All Joliet residents must carry at least the Illinois minimum car insurance limits of 25/50/20 in liability coverage plus uninsured motorist coverage to drive on the roads legally.

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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: Aug 6, 2021

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Here's What You Need to Know

  • The cheapest Joliet, IL car insurance company is Liberty Mutual
  • Minimal traffic congestion and better than average vehicle theft rates keep your Joliet car insurance costs affordable
  • Joliet car insurance rates are low to average for the state of Illinois

Are you a Joliet resident looking for cheap Illinois car insurance? On average, Joliet, IL car insurance rates are $288 per month or $3,458 annually.

However, your age, driving record, and coverage needs all influence your overall car insurance costs.

Keep reading to compare the average rates companies charge Joliet residents for coverage and learn how to secure cheap car insurance in your city.

Monthly Joliet, IL Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Joliet, Illinois auto insurance rates by ZIP Code below:

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Joliet, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Joliet, Illinois stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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When you’re ready to buy Joliet, IL car insurance, enter your ZIP code into our free quote tool above to receive rates from reputable providers near you immediately.

What is the cheapest car insurance company in Joliet, IL?

Who are the best Illinois car insurance companies? The cheapest Joliet, IL car insurance company is Liberty Mutual.

Which Joliet, IL car insurance company has the best rates? And how do those rates compare against the average Illinois car insurance company rates? We’ve got the answers below.

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In the list below, compare the average annual rates the top providers charge Joliet residents for coverage, organized from least to most expensive:

  • Liberty Mutual – $2,415.98
  • Nationwide – $2,434.79
  • Travelers – $2,688.78
  • USAA – $2,805.54
  • State Farm – $2,823.46
  • GEICO – $3,227.60
  • American Family – $3,787.76
  • Progressive – $3,992.12
  • Farmers – $5,051.31
  • Allstate – $5,360.95

Be sure you compare quotes from more than one of the providers listed above to secure your cheapest car insurance rates.

Every company uses a slightly different method to calculate car insurance premiums.

Your age, driving record, and coverage needs all impact your overall costs.

Joliet, Illinois car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Joliet car insurance rates. Find the cheapest Joliet, Illinois car insurance rates by coverage level below:

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Your credit score will play a significant role in your Joliet car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Joliet, Illinois car insurance rates by credit score below.

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Your driving record will play a major role in your Joliet car insurance rates. For example, other factors aside, a Joliet, IL DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Joliet, IL car insurance rates by driving record.

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Factors affecting car insurance rates in Joliet, IL may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Joliet, Illinois car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. IL does use gender, so check out the average monthly car insurance rates by age and gender in Joliet, Illinois.

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What car insurance coverage is required in Joliet, IL?

By law, all Joliet residents must carry at least the Illinois minimum car insurance limits to drive on the roads.

Currently, Illinois requires the following coverage levels:

  • $25,000 per person and $50,000 per incident in bodily injury liability coverage
  • $20,000 in property damage liability coverage
  • Additional $25,000 per person and $50,000 per incident in uninsured motorist coverage

Illinois is an at-fault or tort state. If you cause an accident, your liability car insurance coverage pays for the damages to the other driver involved.

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What affects car insurance rates in Joliet, IL?

Little to no traffic congestion and a low auto-theft rate help keep the regional Joliet car insurance rates down. However, severe weather also influences the cost of Illinois car insurance.

Driving often in heavy traffic increases your chances of getting into an accident, which in turn increases your insurance prices. Fortunately, INRIX ranks Joliet as the 141st-most congested city in America.

According to City-Data, the average commute time for Joliet residents is 30.7 minutes.

The auto theft statistics in your city are lower than the Illinois averages, which also helps keep your rates on the affordable side.

The Federal Bureau of Investigation (FBI) recorded only 165 car thefts in 2017 in your city, a rate of 111.2 cars stolen per 100,000 people.

Unfortunately, severe Joliet, IL weather conditions also impact the regional car insurance costs. Tornadoes, floods, and extreme lightning storms are common annual occurrences.

Joliet, IL Car Insurance: The Bottom Line

Overall, Joliet car insurance costs are low to average for the state of Illinois.

By comparison, Chicago car insurance costs $317 per month, whereas the average is only $288 per month in Joliet.

By comparison shopping online, you’ll quickly secure cheap Joliet, IL car insurance quotes. Remember to also ask about car insurance discounts for even more excellent savings opportunities.

Find affordable Joliet, IL car insurance right now by entering your ZIP code into our free quote tool below.

Free Car Insurance Comparison

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

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Monthly Joliet, IL Car Insurance Rates by ZIP Code
Joliet, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Joliet, IL Car Insurance Rates by Company vs. City Average
Joliet, IL Car Insurance Rates by Company and Age
The Cheapest Joliet, IL Car Insurance Rates by Coverage Level
The Cheapest Joliet, IL Car Insurance Rates by Credit Score
The Cheapest Joliet, IL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Joliet, IL
Average Monthly Car Insurance Rates by Age & Gender in Joliet, IL
Monthly Joliet, IL Car Insurance Rates by ZIP Code
Joliet, IL Car Insurance Rates vs. Top US Metro Car Insurance Rates
Joliet, IL Car Insurance Rates by Company vs. City Average
Joliet, IL Car Insurance Rates by Company and Age
The Cheapest Joliet, IL Car Insurance Rates by Coverage Level
The Cheapest Joliet, IL Car Insurance Rates by Credit Score
The Cheapest Joliet, IL Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Joliet, IL
Average Monthly Car Insurance Rates by Age & Gender in Joliet, IL