Best Cheap Auto Insurance in Joliet, IL (2021)

The cheapest Joliet, IL auto insurance is from Liberty Mutual, but rates will vary by driver. Auto insurance in Joliet must meet the Illinois minimum requirements of 25/50/20 in liability coverage and 25/50/15 in uninsured/underinsurance motorist coverage. Compare Joliet, IL auto insurance quotes online to find the best deal for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 29, 2021

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Things to Remember

  • Liberty Mutual offers the cheapest average auto insurance in Joliet, IL
  • Joliet auto insurance rates are higher than average
  • Drivers in Joliet also have a higher than average commute time

Joliet, IL auto insurance is more expensive than the average Illinois auto insurance rates. In addition to high rates, drivers also have to deal with higher than average commute times.

The good news is that you can find affordable Joliet, IL auto insurance if you shop around. Compare rates from different companies to determine which one can offer you the cheapest coverage.

Enter your ZIP code now to compare Joliet, IL auto insurance quotes from multiple companies for free.

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

The cheapest Joliet, IL auto insurance company is Liberty Mutual, although rates will vary by driver.

The top Joliet, IL auto insurance companies listed from cheapest to most expensive are:

  • 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

Many factors influence your car insurance rates, including your age, gender, credit history, and driving record.

Your rates are also affected by where you live and the size of your city. Car insurance would be more expensive in larger cities with more crime and traffic. Auto insurance in Chicago, IL, for example, is more costly than coverage in Joliet.

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What auto insurance coverage is required in Joliet, IL?

Illinois, like the majority of states, requires drivers to have auto insurance. Drivers in Joliet must carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $20,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist bodily injury coverage
  • $15,000 uninsured/underinsured motorist property damage coverage

As you can see, this isn’t a lot of coverage, especially in the event of a major accident. Consider raising the limits and adding extra coverages, such as collision and comprehensive, to cover all car damage and bodily injury.

It’s also worth noting that you can opt-out of underinsured and uninsured motorist coverage.

What affects auto insurance rates in Joliet, IL?

Traffic can raise your auto insurance rates since more cars on the road means you have a greater chance of being in an accident.

INRIX ranks Joliet, IL as the 141st most congested city in the U.S. This is great news for the city’s residents.

City-Data reports that most residents in Joliet commute around 35 minutes, but a significant number commute an hour or more.

Theft can also play a part in your car insurance rates. According to the FBI, there were 165 motor vehicle thefts in one year in Joliet.

Joliet, IL Auto Insurance: The Bottom Line

Although Joliet car insurance is more expensive than average, you can still get cheap coverage. Before you buy Joliet, IL auto insurance, compare quotes to find your best deal.

Enter your ZIP code to compare Joliet, IL auto insurance rates from multiple companies near you for free.

Free Auto Insurance Comparison

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

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