Best Cheap Auto Insurance in Joy, IL (2021)

The average Joy, IL auto insurance rates are $243 per month. The minimum auto insurance in Joy is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Joy, Illinois, compare quotes from multiple companies.

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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: May 17, 2021

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Things to Remember

  • The average commute length in Joy is 25.6 minutes
  • The cheapest auto insurance company in Joy is Liberty Mutual
  • Average auto insurance rates in Joy, IL for senior drivers are $1,690 per year

Joy, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Joy can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Joy, Illinois, including driving record, credit, commute time, and more.

Compare auto insurance in Joy to other Illinois cities, including Rockford auto insurance rates, Elgin auto insurance rates, and Naperville auto insurance rates to see how Joy, Illinois auto insurance rates stack up.

Before you buy Joy, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Joy, Illinois auto insurance quotes.

Minimum Auto Insurance in Joy, Illinois

Joy, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Joy, Illinois.

Minimum Required Auto Insurance Coverage in Joy, 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

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Cheap Joy, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Joy, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Joy, 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 $2,888 $2,902 $3,006 $3,006 $7,364 $9,575 $3,469 $3,747
American Family $2,266 $2,266 $2,069 $2,069 $6,270 $8,739 $2,266 $2,917
Farmers $2,181 $2,183 $1,942 $2,047 $8,954 $9,323 $2,487 $2,613
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,327 $1,435 $1,107 $1,238 $4,154 $4,623 $1,387 $1,466
Nationwide $1,675 $1,707 $1,491 $1,581 $4,540 $5,829 $1,944 $2,105
Progressive $1,887 $1,804 $1,556 $1,617 $6,453 $7,261 $2,258 $2,444
State Farm $1,370 $1,370 $1,204 $1,204 $3,656 $4,651 $1,542 $1,765
Travelers $1,414 $1,492 $1,264 $1,348 $3,783 $4,656 $1,504 $1,585
USAA $1,488 $1,518 $1,379 $1,361 $4,700 $5,201 $1,953 $2,152

Cheap Joy, Illinois Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Joy, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Joy, Illinois.

Annual Auto Insurance Rates for Teen Drivers in Joy, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,364 $9,575
American Family $6,270 $8,739
Farmers $8,954 $9,323
GEICO $4,847 $5,129
Liberty Mutual $4,154 $4,623
Nationwide $4,540 $5,829
Progressive $6,453 $7,261
State Farm $3,656 $4,651
Travelers $3,783 $4,656
USAA $4,700 $5,201

Cheap Joy, Illinois Auto Insurance for Seniors

What are senior auto insurance rates in Joy, Illinois? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Joy, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,006 $3,006
American Family $2,069 $2,069
Farmers $1,942 $2,047
GEICO $1,521 $1,797
Liberty Mutual $1,107 $1,238
Nationwide $1,491 $1,581
Progressive $1,556 $1,617
State Farm $1,204 $1,204
Travelers $1,264 $1,348
USAA $1,379 $1,361

Cheap Joy, Illinois Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Joy, Illinois compared to the annual auto insurance rates with a clean record in Joy, Illinois.

Annual Joy, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,258 $5,440 $5,049 $4,232
American Family $2,651 $3,773 $5,001 $3,008
Farmers $3,354 $4,308 $4,201 $4,002
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,751 $2,462 $2,174 $1,981
Nationwide $2,105 $2,720 $3,196 $2,415
Progressive $2,615 $3,833 $2,889 $3,302
State Farm $1,933 $2,257 $2,095 $2,095
Travelers $1,709 $2,222 $2,457 $2,135
USAA $1,769 $2,525 $3,453 $2,130

Cheap Joy, Illinois Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Joy, Illinois is not easy. Compare the annual rates for DUI auto insurance in Joy, Illinois to find the best deal.

Annual Auto Insurance Rates After a DUI in Joy, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,049
American Family $5,001
Farmers $4,201
GEICO $3,482
Liberty Mutual $2,174
Nationwide $3,196
Progressive $2,889
State Farm $2,095
Travelers $2,457
USAA $3,453

Cheap Joy, Illinois Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Joy, Illinois annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Joy, Illinois

Insurance Company Poor Fair Good
Allstate $5,750 $4,127 $3,607
American Family $4,812 $3,260 $2,751
Farmers $4,524 $3,778 $3,596
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,959 $1,843 $1,473
Nationwide $3,113 $2,512 $2,202
Progressive $3,611 $3,053 $2,815
State Farm $3,047 $1,824 $1,415
Travelers $2,614 $2,079 $1,700
USAA $3,299 $2,255 $1,854

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Cheap Joy, Illinois Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Joy, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Joy, Illinois to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Joy, Illinois

ZIP Code Average Annual Rates
61260 $2,850

Cheap Joy, Illinois Auto Insurance Rates By Commute

Commute length and annual mileage affect Joy, Illinois auto insurance. Find the cheapest annual Joy, Illinois auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Joy, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,495 $4,495
American Family $3,561 $3,655
Farmers $3,966 $3,966
GEICO $2,519 $2,617
Liberty Mutual $2,092 $2,092
Nationwide $2,609 $2,609
Progressive $3,160 $3,160
State Farm $2,044 $2,146
Travelers $2,049 $2,213
USAA $2,400 $2,538

Cheap Joy, Illinois Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Joy, Illinois? Check out the comparison of annual Joy, Illinois auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Joy, Illinois

Insurance Company Low Medium High
Allstate $4,356 $4,490 $4,638
American Family $3,503 $3,739 $3,582
Farmers $3,789 $3,882 $4,228
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,973 $2,087 $2,215
Nationwide $2,611 $2,626 $2,590
Progressive $2,937 $3,153 $3,389
State Farm $2,007 $2,098 $2,181
Travelers $2,026 $2,129 $2,238
USAA $2,324 $2,467 $2,616

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Best By Category: Cheapest Auto Insurance in Joy, Illinois

Compare the cheapest auto insurance companies in Joy, Illinois in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Joy, Illinois

Category Insurance Company
Teenagers State Farm
Seniors Liberty Mutual
Clean Record Travelers
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation Liberty Mutual

The Cheapest Joy, Illinois Auto Insurance Companies

What auto insurance companies in Joy, Illinois are the cheapest? Compare the top Joy, Illinois auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Joy, Illinois

Insurance Company Average Annual Rates
Allstate $4,495
American Family $3,608
Farmers $3,966
GEICO $2,568
Liberty Mutual $2,092
Nationwide $2,609
Progressive $3,160
State Farm $2,095
Travelers $2,131
USAA $2,469

What affects auto insurance rates in Joy, Illinois?

There are a lot of reasons why auto insurance rates in Joy, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Joy, Illinois. Many local factors may affect your Joy auto insurance rates.

Joy Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Joy, Illinois commute length is 25.6 minutes according to City-Data.

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Compare Joy, Illinois Auto Insurance Quotes

Before you buy Joy, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Joy, Illinois auto insurance quotes.

Free Auto Insurance Comparison

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

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