Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Cheapest recent rates near Joliet, Illinois
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $43/mo for full coverage in Joliet and other Illinois cities.
*Quotes generated for Insurify users in and around Joliet, Illinois within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Joliet, Illinois within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
When you’re this close to Chicago, you’re used to having plenty of options, and that holds true for car insurance in Joliet as well. The Joliet car insurance market is flush with companies, but the cheapest insurers are Auto-Owners, State Farm, and GEICO.
The average monthly cost of liability-only car insurance in Joliet is $76, and full coverage is $165, which is comparable with the state averages of $79 for liability coverage and $185 for full coverage.
However, the choices you make regarding your car insurance coverage can lessen your monthly premium significantly. Comparing car insurance quotes can help you find cheap car insurance in Joliet, Illinois.
Quick Facts
Rates in Joliet are near the state average but are more expensive than the national average.
Illinois is an at-fault, or tort, state — meaning you could be responsible for covering the other party’s damages if you’re found to be more than 50% at fault for an accident.
Illinois allows insurers to consider your credit score when determining your quotes.
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Best car insurance companies in Joliet
The best car insurance companies for Joliet residents are Auto-Owners, State Farm, and Mile Auto, according to Insurify data. These companies offer some of the cheapest rates for various drivers. However, the best auto insurance company for you will depend on your circumstances, such as your driving history, the number of drivers in your home, and more.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$27/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$45/mo
With a longstanding history and excellent ratings and reviews, Auto-Owners is a great choice for full-coverage auto insurance. Its low premiums, numerous discounts, and bundling options make full-coverage insurance more affordable. Additionally, Auto-Owners has an AM Best financial strength rating of A++ (Superior).
Pros
AM Best financial strength rating of A++ (Superior)
Multiple bundling opportunities
Cons
Available in only 26 states
Some Trustpilot reviews report difficulty getting claims paid
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$29/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$48/mo
In business for more than 100 years, State Farm is an insurance company with an AM Best financial strength rating of A++ (Superior). It’s available in all 50 states and offers about 100 different products to its customers. Many of its discounts cater to safe drivers, including accident-free and good-driving savings, defensive-driving course discounts, the Drive Safe & Save program, and more.
Pros
Above-average J.D. Power customer satisfaction rating in the North Central region
Coverage for travel expenses and rental cars available
There isn't much customer loyalty; discounts are negligible.
Charles - May 15, 2024
Verified
Good but Pricey
The price went up 36% this year and 15% last year, but the coverage is good and the claims seem to be fair. I use insurance that is better than the state requirements.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$64/mo
Mile Auto charges its customers based on miles driven. That can make this insurer especially enticing for low-mileage drivers. Additionally, it has an AM Best financial strength rating of A- (Excellent). However, a policy from Mile Auto is only available in select states.
Pros
AM Best financial strength rating of A- (Excellent)
Tracking device not required
Cons
Not available in every state
No bundles or discounts available
Cheapest liability-only car insurance in Joliet: Auto-Owners
Liability insurance covers the injuries or property damage suffered by other people in an accident you cause. However, this type of insurance doesn’t cover your own medical costs or your own vehicle repair costs in the event of an accident. Many states require a certain amount of liability insurance as a minimum.
On average, Joliet drivers pay $121 per month and $917 annually for liability coverage. Liability-only insurance is usually your most affordable option, and you can review average monthly quotes from Joliet’s top insurers in the table below.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
27
State Farm
29
GEICO
38
Hugo
38
COUNTRY Financial
40
Erie
44
Mile Auto
45
USAA
48
American Family
52
Safeco
54
Mercury
56
Clearcover
60
Nationwide
60
Travelers
65
Farmers
69
Direct Auto
70
Allstate
72
Midvale Home & Auto
78
State Auto
78
GAINSCO
82
Elephant
84
Dairyland
86
The General
89
Liberty Mutual
91
Bristol West
99
Foremost
129
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Joliet: Auto-Owners
Full-coverage car insurance provides the coverage of liability insurance, and it also protects you and your property in an accident.
If you have a new vehicle, or you’d struggle to replace your vehicle if it was totaled in an accident, you may want to consider full coverage. Your lender may also require you to carry full coverage in order to secure a loan to purchase a new vehicle.
Full-coverage car insurance costs Joliet drivers an average of $1,980 annually. Here, you can see the average monthly quotes for full coverage in Joliet.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
45
State Farm
48
Mile Auto
64
GEICO
65
COUNTRY Financial
68
Erie
74
Hugo
76
USAA
79
American Family
84
Mercury
93
Clearcover
98
Safeco
101
Travelers
101
Nationwide
104
Farmers
114
Allstate
120
Midvale Home & Auto
127
Direct Auto
138
Liberty Mutual
145
State Auto
151
Elephant
152
GAINSCO
179
Dairyland
229
The General
234
Bristol West
240
Foremost
293
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Illinois
In order to drive in Illinois, you must carry coverage that meets the state’s minimum requirements:[1]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 for bodily injury for one person
$50,000 for bodily injury or death for more than one person
Property damage liability
$20,000
If you want coverage that exceeds the minimum requirements in Joliet, you can choose from the following options:
Comprehensive coverage
This insurance covers you if there’s damage to your vehicle that may not be related to an accident. For instance, if your car is stolen or it catches on fire, your insurance would pay for repairs or for it to be replaced.
Collision coverage
Collision coverage pays to repair your vehicle when it’s damaged by another vehicle or an object, such as a tree or building.
Uninsured/underinsured motorist coverage
This pays for your hospital bills if you’re in an accident and the other driver is at fault but either isn’t carrying insurance or is underinsured.
Cheapest car insurance for drivers with an incident
In the sections that follow, you’ll see how each incident type can affect your car insurance rates.
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Cheapest car insurance for drivers with a speeding ticket
If you get a speeding ticket in Joliet, your car insurance premiums will likely increase. Fortunately, your premiums should decrease again once the ticket falls off your record.
Joliet drivers who get caught speeding can see their overall car insurance costs spike from $121 to $177 per month. This table shows you how much you can expect to pay for insurance in Joliet with a speeding ticket on your record.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Auto-Owners
36
59
State Farm
38
63
GEICO
50
85
Hugo
53
105
COUNTRY Financial
54
91
Erie
59
99
Mile Auto
63
90
USAA
63
104
American Family
68
110
Safeco
72
135
Mercury
79
131
Nationwide
79
138
Clearcover
80
130
Travelers
86
134
Farmers
90
149
Direct Auto
93
183
Allstate
94
157
Midvale Home & Auto
106
172
State Auto
111
215
Dairyland
114
302
The General
118
311
GAINSCO
119
259
Elephant
122
220
Bristol West
129
312
Liberty Mutual
132
210
Foremost
187
424
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
Getting into an at-fault accident can be a stressful event, especially if the accident is severe. In addition to repairing your car and potentially seeking medical care, your car insurance premiums will likely go up if the crash was your fault.
With an at-fault accident on your record, you can expect to see your liability coverage rates rise to $116 per month, and $252 for full coverage. Here, you can see how an at-fault accident could affect your rates in Joliet.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Auto-Owners
37
62
State Farm
40
66
Hugo
51
102
GEICO
53
90
COUNTRY Financial
57
97
Erie
62
104
USAA
66
109
Mile Auto
68
97
American Family
71
115
Safeco
72
135
Mercury
82
136
Nationwide
83
145
Clearcover
88
143
Travelers
90
140
Farmers
95
156
Allstate
99
165
Direct Auto
99
195
GAINSCO
110
239
Midvale Home & Auto
113
185
Elephant
114
206
State Auto
118
229
Dairyland
119
316
The General
125
329
Bristol West
134
326
Liberty Mutual
137
218
Foremost
194
440
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Driving under the influence makes you a high-risk driver in the eyes of insurance companies. If you have a DUI on your record, you should expect your rates to increase dramatically. In some cases, your insurer may drop you altogether.
Full-coverage car insurance with a DUI averages $285 per month in Joliet. Here’s a look at the monthly rates you can expect to pay in Joliet with a DUI on your record.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Auto-Owners
46
77
State Farm
49
82
GEICO
65
111
Hugo
65
129
COUNTRY Financial
68
116
Mile Auto
70
99
Erie
75
126
USAA
82
134
Mercury
86
143
American Family
88
143
Safeco
92
172
Clearcover
102
167
Nationwide
102
177
Travelers
111
172
Farmers
117
194
Direct Auto
119
235
Allstate
123
204
Midvale Home & Auto
133
216
State Auto
133
257
GAINSCO
140
305
Elephant
143
259
Dairyland
146
390
The General
151
398
Liberty Mutual
155
247
Bristol West
168
408
Foremost
220
499
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Your age is another factor insurance companies consider when determining your car insurance premiums. Rates typically decrease around age 35 when drivers are more experienced. At around age 75, rates increase again. This is because drivers older than 75 are statistically more likely to have health issues that could impair their driving and to suffer serious injuries if involved in an accident.
Joliet seniors pay, on average, $85 per month for car insurance. Here are the average monthly rates senior drivers may pay in Joliet, Illinois.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Auto-Owners
14
23
State Farm
14
23
Hugo
19
38
COUNTRY Financial
20
34
GEICO
20
35
Erie
21
35
Mile Auto
24
34
American Family
26
42
USAA
26
43
Nationwide
28
48
Mercury
29
48
Safeco
31
58
Clearcover
35
57
Farmers
35
58
Travelers
35
54
Direct Auto
38
75
Allstate
39
65
Midvale Home & Auto
39
64
State Auto
41
80
Elephant
47
85
Liberty Mutual
49
77
Dairyland
50
132
GAINSCO
52
114
The General
55
143
Bristol West
57
137
Foremost
71
161
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenage drivers are new drivers, and, as such, they’re more inexperienced. For this reason, the cost to insure teenage drivers is typically higher than the cost to insure adult drivers.
Fortunately, teen drivers have ways to save money on their car insurance, including:
Stay on your parents’ insurance if you still live at home.
Qualify for a good student discount.
Drive a safe car.
Maintain a good driving record.
It costs, on average, $289 to protect a Joliet teen driver with full coverage, and $133 per month for liability-only insurance. These Joliet insurers offer the lowest monthly rates to teens and young drivers.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Auto-Owners
46
76
State Farm
48
80
COUNTRY Financial
58
98
GEICO
59
101
Hugo
65
131
Erie
73
123
USAA
78
129
Mile Auto
86
122
American Family
90
145
Mercury
100
167
Nationwide
101
175
Safeco
112
209
Clearcover
115
188
Travelers
115
179
Farmers
120
198
Allstate
124
207
Direct Auto
126
248
Midvale Home & Auto
134
218
State Auto
136
263
Elephant
137
247
Dairyland
142
378
The General
142
373
GAINSCO
145
316
Bristol West
166
403
Liberty Mutual
167
266
Foremost
225
511
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Joliet
If you want to find the cheapest car insurance in Joliet, Illinois, follow these tips:
Shop for discounts. Different insurers offer various discounts. Shop around to find which one best matches your specific situation. The more discounts applicable to your situation, the more money you’ll save.
Raise your deductible. A higher deductible will usually lead to a lower premium because you’re taking on more of the up-front risk yourself. However, make sure you don’t set your deductible so high you can’t afford to pay it if you need to file a claim.
Compare prices. Before choosing your auto insurance company, get quotes from three to five different companies. Ask detailed questions about discounts they offer. Using an insurance price-comparison platform makes it easy to compare quotes side by side and see which policy best meets your needs.
Find Car Insurance in Joliet
Rates start as low as $27 for liability coverage
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Joliet car insurance quotes by credit tier
Most states, including Illinois, allow insurers to factor in your credit score when calculating car insurance premiums.
Credit scores typically go up to a score of 850. Having an excellent or good credit score can get you the best insurance rates, and having a poor credit score can negatively affect your car insurance rates. As such, it’s a good idea to improve your credit score before seeking new car insurance.
Here are the average car insurance rates by credit score in Joliet, Illinois.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Joliet?
The average car insurance rates in Joliet are $76 for liability coverage and $165 for full coverage. These are right in line with the state averages of $79 for liability coverage and $76 for full coverage.
The national averages are $106 for liability coverage and $172 for full coverage, meaning Joliet, and the state of Illinois in general, are above the national average.
More cities in Illinois
Rates in Joliet are comparable with the state averages, and the table below shows you how rates in Joliet stack up against those in other major Illinois cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Joliet car insurance FAQs
If you still have questions about how to find the cheapest car insurance in Joliet, the following answers can help.
How much is car insurance in Joliet?
The average car insurance rates in Joliet are $76 for liability coverage and $165 for full coverage. This is comparable with the state averages of $79 for liability coverage and $185 for full coverage. However, car insurance in Illinois exceeds the national averages of $106 for liability coverage and $172 for full coverage.
What are the cheapest car insurance companies in Joliet?
For the cheapest car insurance in Joliet, look to Auto-Owners, which offers average monthly rates of $27 for liability-only car insurance, and $45 for full coverage. State Farm and GEICO also have cheap rates for Joliet drivers, averaging $29 and $38, respectively, for liability coverage.
What are the best car insurance companies in Joliet?
Auto-Owners, State Farm, and Mile Auto rank as the top insurers in Joliet. In addition to offering some of the lowest average premiums, all three insurers earned commendable financial strength ratings from AM Best. Auto-Owners and State Farm have IQ Scores of 4.0 and 4.4, respectively, while Mile Auto offers customers the ability to control their insurance costs based on how much they drive.
What is the minimum car insurance required in Illinois?
Here are the minimum car insurance levels you’re required to carry in order to drive legally in Illinois:
$25,000 liability coverage for bodily injury for a singular person
$50,000 liability coverage for bodily injury or death for more than one person
$20,000 liability coverage for damage to someone else’s property
Is Illinois a no-fault state?
No. Illinois is a fault state. This means if you’re involved in an accident and are judged to be more than 50% at fault for the accident, you could be responsible for covering the other party’s damages and may even face litigation.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
NOLO. "Illinois Car Insurance Laws and Requirements."
Catherine Collins
Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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