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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 4, 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.

Monthly Joliet, IL Car Insurance Rates by ZIP Code

Find more info about the monthly Joliet, IL auto insurance rates by ZIP Code below:

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

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Joliet, IL against other top US metro areas’ auto insurance rates.

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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 cheapest Joliet, IL car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Illinois car insurance company rates?” We cover that as well.

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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.

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, IL 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 major role in your Joliet, IL 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 affect your Joliet car insurance rates. For example, a Joliet, IL DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Joliet, Illinois 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 risk factors will ensure you have the cheapest Joliet, Illinois car insurance.

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

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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.

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