Best Cheap Auto Insurance in Joliet, Illinois (2025)

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 Progressive.

The average monthly cost of liability-only car insurance in Joliet is $81, and full coverage is $172, which is comparable with the state averages of $80 for liability coverage and $170 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.

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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.

Best insurer for full coverage: Auto-Owners

full coverage

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User Reviews	4.0 94 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.5 /10
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.	$32/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.	$58/mo

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Driver Reviews

4.0

Best choiceBased on 153 verified guest reviews and ratings

How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Reviews (94)

Tammy

January 13, 2025

Verified Review

Affordable Insurance in Michigan

The insurance is affordable.

Allen

January 12, 2025

Verified Review

Excellent

Absolutely no problems.

Michael

January 6, 2025

Verified Review

Pleased

I have had a positive experience with Auto-Owners company and personnel.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

837

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.5

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).

A++

Why we picked this company

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

Best insurer for safe drivers: State Farm

safe drivers

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User Reviews	4.2 5,224 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
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.	$34/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

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Driver Reviews

4.2

Best choiceBased on 9,489 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,224)

Jose

February 9, 2025

Verified Review

Excellent

Great company.

Donald

February 8, 2025

Verified Review

I'm Pleased with State Farm and Their Staff

I'm satisfied and I'm staying with State Farm.

Mary

February 8, 2025

Verified Review

Prices Rise Like a Hot Summer Day!

Find a company that offers competitive pricing for long-time customers. They provide better deals for customers over 60.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

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).

A++

Why we picked this company

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

Cons

• Not as many discounts as some competitors

• Gap insurance not available

Best insurer for low-mileage drivers: Mile Auto

low-mileage drivers

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User Reviews	4.2 36 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.5 /10
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.	$46/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.	$74/mo

Show Details

Driver Reviews

4.2

Best choiceBased on 68 verified guest reviews and ratings

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

Reviews (36)

Richard

January 13, 2025

Verified Purchase

Loose Time Frames

They give you two days to submit a picture of your mileage, and then they threaten to charge you for 40 miles a day.

James

January 13, 2025

Verified Purchase

So far, so good. It's better than paying six or seven hundred a month. I'll let others know. Thanks.

So far, so good. It's better than paying six or seven hundred a month. I'll let others know. Thanks.

Matthew

January 9, 2025

Verified Purchase

Great Cheap Auto Insurance!

Give them a try if you are a new driver and drive an old car that will get totaled in any accident due to the repair costs exceeding the fair market value of your car.

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1234…12

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

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

Why we picked this company

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 $127 per month and $977 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.

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 $2,066 annually. Here, you can see the average monthly quotes for full coverage in Joliet.

Car insurance requirements in Illinois

In order to drive in Illinois, you must carry coverage that meets the state’s minimum requirements:^[1]

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

If you have an incident on your driving record, it could cause an increase in your car insurance premiums. Such incidents include speeding tickets, an at-fault accident, and driving under the influence.

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 $127 to $175 per month. This table shows you how much you can expect to pay for insurance in Joliet with a speeding ticket on your record.

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 $123 per month, and $261 for full coverage. Here, you can see how an at-fault accident could affect your rates in Joliet.

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 $295 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.

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, $94 per month for car insurance. Here are the average monthly rates senior drivers may pay in Joliet, Illinois.

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, $328 to protect a Joliet teen driver with full coverage, and $155 per month for liability-only insurance. These Joliet insurers offer the lowest monthly rates to teens and young drivers.

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.

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Rates start as low as $32 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.

Is car insurance more expensive in Joliet?

The average car insurance rates in Joliet are $81 for liability coverage and $172 for full coverage. These are right in line with the state averages of $80 for liability coverage and $81 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.

Joliet car insurance FAQs