Best Cheap Auto Insurance in Joliet, Illinois (2026)
Auto-Owners has the cheapest car insurance rates in Joliet.
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Catherine Collins
13+ years creating insurance and personal finance content
Co-founded MillennialHomeowner.com
Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
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 Direct Auto.
The average monthly cost of liability-only car insurance in Joliet is $84, and full coverage is $149, which is comparable with the state averages of $82 for liability coverage and $149 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.
Find Cheap Car Insurance in Joliet, Illinois
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4.7 out of 5 based on 11,837 reviews
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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
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $50/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. | $85/mo |
4.3
Best choiceBased on 302 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
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
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (145)
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
Scott
Verified Review
Poor
Reviewed in Michigan on January 28, 2026
Prices are too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
| User Reviews | 4.0 |
|---|---|
| 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. | $54/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. | $92/mo |
4.0
Best choiceBased on 14,978 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
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
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,038)
Stacey
Verified Review
State Farm's Simplicity is Not Minimal
Reviewed in South Dakota on February 15, 2026
State Farm has been great for me for over 30 years.
Dorothy
Verified Review
Good change
Reviewed in Florida on February 15, 2026
Check it out. I saved a great deal of money.
Larry
Verified Review
Average
Reviewed in Michigan on February 15, 2026
State Farm is too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
| User Reviews | 4.5 |
|---|---|
| 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. | 8.8 /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. | $70/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. | $119/mo |
4.5
Best choiceBased on 188 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (65)
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy 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 $117 per month and $1,009 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 in Joliet, IL, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company  | Average Monthly Quote |
|---|---|
| Auto-Owners | $50 |
| State Farm | $54 |
| Direct Auto | $73 |
| COUNTRY Financial | $76 |
| GEICO | $81 |
| Erie | $83 |
| The General | $85 |
| USAA | $88 |
| Mercury | $89 |
| Safeco | $90 |
| GAINSCO | $91 |
| Bristol West | $92 |
| American Family | $95 |
| National General | $95 |
| Dairyland | $100 |
| Elephant | $106 |
| Nationwide | $112 |
| Root | $116 |
| Travelers | $121 |
| Farmers | $128 |
| Allstate | $135 |
| Liberty Mutual | $145 |
| State Auto | $170 |
Disclaimer: Table data sourced from real-time Joliet car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Joliet 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 $1,787 annually. Here, you can see the average monthly quotes for full coverage in Joliet.
The below rates in Joliet, IL, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $85 |
| State Farm | $92 |
| COUNTRY Financial | $128 |
| Direct Auto | $137 |
| GEICO | $139 |
| Erie | $140 |
| Safeco | $141 |
| Mercury | $149 |
| USAA | $149 |
| American Family | $161 |
| Elephant | $174 |
| The General | $178 |
| National General | $182 |
| Nationwide | $189 |
| Root | $196 |
| Travelers | $205 |
| Liberty Mutual | $209 |
| Farmers | $218 |
| Bristol West | $219 |
| GAINSCO | $221 |
| Allstate | $229 |
| Dairyland | $272 |
| State Auto | $287 |
Disclaimer: Table data sourced from real-time Joliet car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Joliet may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Joliet, Illinois
Recent Joliet, Illinois car insurance prices for Acura, Hyundai, Buick , and more.
*Quotes generated for Insurify users in and around Joliet, Illinois within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 12, 2026. 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 February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 12, 2026. 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 |
|
| Property damage liability |
|
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 $117 to $150 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 in Joliet, IL, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $66 | $112 |
| State Farm | $69 | $118 |
| Direct Auto | $92 | $173 |
| COUNTRY Financial | $105 | $177 |
| GEICO | $107 | $184 |
| GAINSCO | $110 | $266 |
| Erie | $111 | $187 |
| The General | $115 | $240 |
| USAA | $115 | $195 |
| Bristol West | $117 | $278 |
| National General | $120 | $229 |
| Safeco | $120 | $188 |
| Dairyland | $125 | $341 |
| American Family | $125 | $211 |
| Mercury | $126 | $210 |
| Elephant | $128 | $211 |
| Nationwide | $147 | $248 |
| Root | $156 | $264 |
| Travelers | $159 | $269 |
| Farmers | $166 | $282 |
| Allstate | $178 | $301 |
| Liberty Mutual | $187 | $269 |
| State Auto | $229 | $386 |
Disclaimer: Table data sourced from real-time Joliet car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Joliet 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 $113 per month, and $201 for full coverage. Here, you can see how an at-fault accident could affect your rates in Joliet.
The below rates in Joliet, IL, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $67 | $113 |
| State Farm | $72 | $122 |
| Direct Auto | $100 | $188 |
| COUNTRY Financial | $105 | $177 |
| GEICO | $106 | $182 |
| Erie | $111 | $187 |
| GAINSCO | $118 | $286 |
| The General | $118 | $247 |
| USAA | $119 | $201 |
| Bristol West | $122 | $290 |
| National General | $127 | $244 |
| Safeco | $127 | $199 |
| American Family | $128 | $217 |
| Dairyland | $133 | $361 |
| Mercury | $135 | $227 |
| Elephant | $140 | $229 |
| Nationwide | $152 | $256 |
| Root | $156 | $264 |
| Travelers | $164 | $278 |
| Farmers | $172 | $293 |
| Allstate | $182 | $309 |
| Liberty Mutual | $195 | $281 |
| State Auto | $234 | $395 |
Disclaimer: Table data sourced from real-time Joliet car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Joliet 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 $196 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 in Joliet, IL, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $69 | $118 |
| State Farm | $75 | $128 |
| Direct Auto | $101 | $190 |
| COUNTRY Financial | $102 | $172 |
| GEICO | $112 | $192 |
| Erie | $116 | $195 |
| The General | $118 | $247 |
| USAA | $122 | $207 |
| GAINSCO | $126 | $307 |
| Bristol West | $128 | $304 |
| Mercury | $130 | $218 |
| American Family | $132 | $224 |
| National General | $132 | $253 |
| Safeco | $135 | $211 |
| Dairyland | $139 | $378 |
| Elephant | $147 | $242 |
| Nationwide | $156 | $263 |
| Root | $163 | $276 |
| Travelers | $168 | $285 |
| Farmers | $178 | $303 |
| Allstate | $188 | $318 |
| Liberty Mutual | $201 | $290 |
| State Auto | $236 | $399 |
Disclaimer: Table data sourced from real-time Joliet car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Joliet 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, $98 per month for car insurance. Here are the average monthly rates senior drivers may pay in Joliet, Illinois.
The below rates in Joliet, IL, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $30 | $51 |
| State Farm | $32 | $54 |
| COUNTRY Financial | $46 | $78 |
| Direct Auto | $48 | $89 |
| Erie | $48 | $81 |
| GEICO | $50 | $86 |
| Mercury | $58 | $98 |
| American Family | $58 | $98 |
| USAA | $58 | $98 |
| National General | $59 | $113 |
| The General | $60 | $126 |
| Nationwide | $64 | $108 |
| Bristol West | $64 | $151 |
| Safeco | $68 | $107 |
| GAINSCO | $69 | $167 |
| Elephant | $73 | $120 |
| Dairyland | $77 | $210 |
| Travelers | $77 | $131 |
| Farmers | $79 | $134 |
| Root | $81 | $136 |
| Allstate | $87 | $147 |
| Liberty Mutual | $99 | $142 |
| State Auto | $101 | $170 |
Disclaimer: Table data sourced from real-time Joliet car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Joliet 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, $315 to protect a Joliet teen driver with full coverage, and $178 per month for liability-only insurance. These Joliet insurers offer the lowest monthly rates to teens and young drivers.
The below rates in Joliet, IL, are estimated rates current as of: Thursday, February 12 at 11:00 AM PST.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $108 | $183 |
| State Farm | $113 | $192 |
| COUNTRY Financial | $133 | $224 |
| Direct Auto | $152 | $285 |
| GEICO | $157 | $270 |
| The General | $162 | $338 |
| Erie | $165 | $278 |
| USAA | $176 | $298 |
| Mercury | $178 | $298 |
| Bristol West | $178 | $423 |
| GAINSCO | $181 | $439 |
| Dairyland | $183 | $499 |
| American Family | $194 | $329 |
| Safeco | $195 | $306 |
| Elephant | $202 | $332 |
| National General | $207 | $396 |
| Root | $218 | $368 |
| Nationwide | $236 | $398 |
| Travelers | $269 | $456 |
| Farmers | $273 | $466 |
| Liberty Mutual | $277 | $399 |
| Allstate | $287 | $487 |
| State Auto | $439 | $742 |
Disclaimer: Table data sourced from real-time Joliet car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Joliet 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.
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Rates start as low as $50 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 $84 for liability coverage and $149 for full coverage. These are right in line with the state averages of $82 for liability coverage and $84 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.
City | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| Aurora | $150 | $84 |
| Berwyn | $177 | $96 |
| Chicago | $207 | $107 |
| Naperville | $139 | $78 |
| Peoria | $142 | $82 |
| Rockford | $144 | $77 |
| Springfield | $161 | $83 |
Disclaimer: Table data is based on real-time Joliet quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $84 for liability coverage and $149 for full coverage. This is comparable with the state averages of $82 for liability coverage and $149 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 $50 for liability-only car insurance, and $85 for full coverage. State Farm and Direct Auto also have cheap rates for Joliet drivers, averaging $54 and $73, 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 8.2 and 9.3 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 190 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 500+ 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
- 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.
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Sources
- NOLO. "Illinois Car Insurance Laws and Requirements."
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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.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.