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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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 Hugo.
The average monthly cost of liability-only car insurance in Joliet is $78, and full coverage is $170, which is comparable with the state averages of $79 for liability coverage and $184 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.
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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.
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.
$27/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.
$42/mo
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
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.
$29/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.
$46/mo
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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
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.
$43/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
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)
They're good, it just takes a while for them to do anything.
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 $124 per month and $931 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$27
State Farm
$29
Hugo
$37
GEICO
$39
COUNTRY Financial
$41
Mile Auto
$43
Erie
$45
USAA
$48
American Family
$52
Mercury
$56
Nationwide
$61
Direct Auto
$62
Travelers
$66
Clearcover
$67
Farmers
$70
Safeco
$71
National General
$72
Allstate
$73
Dairyland
$81
Elephant
$85
GAINSCO
$86
Midvale Home & Auto
$88
The General
$90
State Auto
$92
Bristol West
$99
Liberty Mutual
$105
Foremost
$133
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $2,040 annually. Here, you can see the average monthly quotes for full coverage in Joliet.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$42
State Farm
$46
GEICO
$61
COUNTRY Financial
$64
Mile Auto
$64
Erie
$70
USAA
$74
American Family
$80
Hugo
$85
Mercury
$87
Safeco
$99
Nationwide
$101
Travelers
$101
Clearcover
$105
Farmers
$109
Midvale Home & Auto
$111
Allstate
$114
Direct Auto
$134
State Auto
$148
National General
$151
Elephant
$157
Liberty Mutual
$185
GAINSCO
$207
Dairyland
$222
Bristol West
$242
The General
$244
Foremost
$304
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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
$25,000 for bodily injury for one person
$50,000 for bodily injury or death for more than one person
Property damage liability
$20,000
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
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 $124 to $180 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Auto-Owners
$36
$55
State Farm
$38
$60
GEICO
$51
$80
Hugo
$51
$117
COUNTRY Financial
$55
$86
Erie
$60
$94
Mile Auto
$60
$89
USAA
$63
$97
American Family
$68
$105
Mercury
$79
$122
Nationwide
$81
$134
Direct Auto
$82
$176
Travelers
$87
$134
Clearcover
$89
$139
Farmers
$91
$142
National General
$94
$198
Safeco
$95
$132
Allstate
$96
$150
Dairyland
$107
$293
Midvale Home & Auto
$120
$151
The General
$120
$324
Elephant
$122
$226
GAINSCO
$124
$298
Bristol West
$129
$316
State Auto
$131
$210
Liberty Mutual
$151
$266
Foremost
$191
$437
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $119 per month, and $259 for full coverage. Here, you can see how an at-fault accident could affect your rates in Joliet.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Auto-Owners
$37
$58
State Farm
$40
$63
Hugo
$50
$114
GEICO
$54
$85
COUNTRY Financial
$59
$92
Erie
$63
$99
Mile Auto
$64
$95
USAA
$66
$102
American Family
$72
$110
Mercury
$82
$128
Nationwide
$85
$141
Direct Auto
$88
$189
Travelers
$92
$141
Farmers
$96
$150
Safeco
$96
$133
Clearcover
$99
$155
National General
$100
$211
Allstate
$101
$158
Dairyland
$112
$307
Elephant
$115
$213
GAINSCO
$115
$276
The General
$127
$344
Midvale Home & Auto
$129
$162
Bristol West
$135
$331
State Auto
$139
$224
Liberty Mutual
$158
$278
Foremost
$200
$457
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $293 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Auto-Owners
$46
$72
State Farm
$49
$78
Hugo
$56
$128
GEICO
$66
$104
Mile Auto
$66
$98
COUNTRY Financial
$70
$109
Erie
$77
$119
USAA
$82
$126
Mercury
$86
$134
American Family
$89
$136
Nationwide
$104
$172
Direct Auto
$106
$228
Travelers
$112
$172
Clearcover
$114
$179
Farmers
$119
$186
Safeco
$121
$169
National General
$123
$257
Allstate
$124
$194
Dairyland
$138
$378
Elephant
$145
$267
GAINSCO
$146
$353
Midvale Home & Auto
$150
$189
The General
$153
$416
State Auto
$157
$252
Bristol West
$169
$412
Liberty Mutual
$179
$315
Foremost
$227
$518
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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, $89 per month for car insurance. Here are the average monthly rates senior drivers may pay in Joliet, Illinois.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Auto-Owners
$14
$22
State Farm
$15
$23
Hugo
$19
$43
COUNTRY Financial
$21
$33
Erie
$22
$34
GEICO
$22
$34
Mile Auto
$23
$34
American Family
$27
$41
USAA
$27
$42
Nationwide
$29
$49
Mercury
$30
$47
Direct Auto
$34
$74
Travelers
$36
$55
Farmers
$37
$57
Clearcover
$40
$63
Allstate
$41
$64
National General
$42
$87
Safeco
$43
$60
Dairyland
$47
$129
Midvale Home & Auto
$47
$59
State Auto
$49
$78
Elephant
$50
$92
The General
$55
$150
Bristol West
$58
$141
GAINSCO
$58
$139
Liberty Mutual
$60
$105
Foremost
$75
$171
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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, $299 to protect a Joliet teen driver with full coverage, and $137 per month for liability-only insurance. These Joliet insurers offer the lowest monthly rates to teens and young drivers.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Auto-Owners
$46
$71
State Farm
$49
$77
COUNTRY Financial
$60
$93
GEICO
$61
$95
Hugo
$64
$146
Erie
$75
$117
USAA
$79
$122
Mile Auto
$83
$123
American Family
$90
$139
Mercury
$101
$156
Nationwide
$104
$171
Direct Auto
$112
$242
Travelers
$118
$180
Farmers
$122
$190
Allstate
$127
$198
Clearcover
$129
$202
Dairyland
$134
$366
National General
$138
$289
Elephant
$139
$256
The General
$144
$390
Safeco
$146
$203
Midvale Home & Auto
$150
$190
GAINSCO
$151
$364
State Auto
$162
$260
Bristol West
$167
$408
Liberty Mutual
$191
$337
Foremost
$234
$535
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.
Find Car Insurance in Joliet
Rates start as low as $27 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 $78 for liability coverage and $170 for full coverage. These are right in line with the state averages of $79 for liability coverage and $78 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.
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.
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 $78 for liability coverage and $170 for full coverage. This is comparable with the state averages of $79 for liability coverage and $184 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 $27 for liability-only car insurance, and $42 for full coverage. State Farm and Hugo also have cheap rates for Joliet drivers, averaging $29 and $37, 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 4.0 and 4.4, 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 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
NOLO. "Illinois Car Insurance Laws and Requirements."
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.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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