Best Cheap Auto Insurance in Joliet, Illinois (2026)

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 Certainly.

The average monthly cost of liability-only car insurance in Joliet is $81, and full coverage is $160, which is comparable with the state averages of $81 for liability coverage and $159 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	4.3 335 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.	8.2 /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.	$39/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.	$73/mo

Details

Driver Reviews

4.3

Best choice in Joliet, ILBased on 335 verified driver 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.

Based on analysis of verified reviews collected by Insurify

Best in Joliet 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.

Based on analysis of verified reviews collected by Insurify

Best in Joliet for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

Reviewed in Nebraska on April 12, 2026

Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

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JD Power

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

654

NAIC Index

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

0.46

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	4.0 17,962 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.	$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.	$79/mo

Details

Driver Reviews

4.0

Best choice in Joliet, ILBased on 17,962 verified driver 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.

Based on analysis of verified reviews collected by Insurify

Best in Joliet 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.

Based on analysis of verified reviews collected by Insurify

Best in Joliet for

Customer service

Competitive rates

Discounts for safe drivers

Showing 53 Illinois reviews for Joliet drivers - See all 7,527 State Farm reviews

Bob

Verified Review

I like State Farm

Reviewed in Illinois on May 11, 2026

My only concern is the price -- I don't know if I am paying too much or not. Otherwise, I am very, very happy.

Brandon

Verified Review

Not bad

Reviewed in Illinois on May 5, 2026

Service reps are nice and knowledgeable. There are only two ways to pay premiums: monthly or lump sum.

Diane

Verified Review

High Monthly Payments

Reviewed in Illinois on May 3, 2026

I'm a senior citizen who hardly ever drives, yet I'm paying an outrageous bill monthly.

Songo

Verified Review

State Farm Rate Issues

Reviewed in Illinois on April 20, 2026

State Farm always raises rates and does not explain why. It is always a battle to get information, and the agents are not helpful. They seem more concerned about their portion. Insurance for someone with no violations, tickets, or claims should not be over $200 a month.

Gretchen

Verified Review

Excellent

Reviewed in Illinois on April 19, 2026

They are okay. Too high for my car.

Ronald

Verified Review

Towing Coverage without The Tow

Reviewed in Illinois on April 14, 2026

I recently had a blowout from a pothole. I called State Farm for a tow since I had towing coverage. An hour and a half later, no tow truck. I called them back and complained. They said I would get a call when the truck was on the way. Never got a call or a tow truck.

Olinda

Verified Review

State Farm is unbelievably higher than most. Being a 75-year-old woman who drives my car maybe twice a week, I should not be paying $190 a month for a car that’s seven years old with only 18,000 miles on it.

Reviewed in Illinois on March 21, 2026

State Farm is unbelievably higher than most. Being a 75-year-old woman who drives my car maybe twice a week, I should not be paying $190 a month for a car that’s seven years old with only 18,000 miles on it.

Karen

Verified Review

Okay Insurance

Reviewed in Illinois on March 16, 2026

It's good for the money.

Tonisha

Verified Review

Poor

Reviewed in Illinois on March 11, 2026

Expensive rates keep increasing without notification.

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JD Power

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

657

NAIC Index

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

0.84

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	4.5 202 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.	8.8 /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.	$74/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.	$133/mo

Details

Driver Reviews

4.5

Best choice in Joliet, ILBased on 202 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

Best in Joliet 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.

Based on analysis of verified reviews collected by Insurify

Best in Joliet for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 68 Mile Auto reviews

Sabrina

Verified Purchase

Good

Reviewed in Tennessee on May 6, 2026

I just wish they would send me an actual insurance card and my policy info in the mail, not just email, because I have no way to print it.

Maureen

Verified Purchase

Low mileage savings made easy

Reviewed in Georgia on April 16, 2026

This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

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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.

2.18

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 $121 per month and $972 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: Monday, May 11 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$39
State Farm	$43
Certainly	$55
Country Financial	$59
Progressive	$60
GEICO	$62
Direct Auto	$62
The General	$64
Erie	$65
First Chicago	$66
USAA	$68
Mercury	$71
American Family	$74
GAINSCO	$74
Safeco	$74
Bristol West	$78
National General	$80
Dairyland	$86
Freedom National	$86
Nationwide	$87
Elephant	$90
Clearcover	$94
First Acceptance	$95
Travelers	$95
Farmers	$101
Root	$104
Allstate	$106
Liberty Mutual	$108
Mendota	$110
State Auto	$132

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 $1,920 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: Monday, May 11 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$73
State Farm	$79
Country Financial	$111
Safeco	$116
Erie	$121
GEICO	$121
Direct Auto	$123
Progressive	$124
Mercury	$126
USAA	$129
American Family	$139
Elephant	$152
National General	$154
Certainly	$159
Nationwide	$164
Root	$166
The General	$166
First Chicago	$167
Liberty Mutual	$173
Clearcover	$176
Travelers	$177
Bristol West	$181
Farmers	$188
Freedom National	$192
GAINSCO	$195
Allstate	$197
Mendota	$214
First Acceptance	$224
Dairyland	$247
State Auto	$248

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.

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

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 $121 to $157 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: Monday, May 11 at 12:00 PM PDT. 

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Auto-Owners	$52	$97
State Farm	$55	$102
Certainly	$71	$206
Progressive	$78	$160
Direct Auto	$79	$157
Country Financial	$81	$153
GEICO	$82	$161
First Chicago	$85	$216
Erie	$87	$162
The General	$87	$226
USAA	$89	$169
GAINSCO	$90	$238
American Family	$98	$183
Safeco	$99	$155
Bristol West	$100	$232
Mercury	$100	$177
National General	$102	$195
Dairyland	$109	$313
Elephant	$110	$186
Freedom National	$111	$248
Nationwide	$115	$216
Clearcover	$122	$228
First Acceptance	$123	$290
Travelers	$125	$234
Farmers	$132	$245
Allstate	$140	$260
Liberty Mutual	$140	$224
Root	$141	$225
Mendota	$142	$277
State Auto	$178	$335

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 $111 per month, and $220 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: Monday, May 11 at 12:00 PM PDT. 

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Auto-Owners	$53	$99
State Farm	$58	$107
Certainly	$75	$218
Progressive	$82	$170
Country Financial	$82	$155
GEICO	$83	$162
Direct Auto	$86	$171
Erie	$89	$165
The General	$90	$233
First Chicago	$91	$229
USAA	$93	$177
GAINSCO	$97	$255
American Family	$101	$191
Bristol West	$105	$244
Safeco	$105	$164
Mercury	$108	$192
National General	$109	$209
Dairyland	$116	$333
Freedom National	$118	$263
Nationwide	$120	$225
Elephant	$120	$202
First Acceptance	$130	$307
Travelers	$131	$244
Clearcover	$137	$256
Farmers	$138	$256
Root	$143	$228
Allstate	$145	$270
Liberty Mutual	$146	$234
Mendota	$151	$294
State Auto	$184	$346

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 $225 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: Monday, May 11 at 12:00 PM PDT. 

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Auto-Owners	$56	$104
State Farm	$61	$113
Certainly	$77	$224
Country Financial	$82	$155
Progressive	$85	$175
GEICO	$88	$171
The General	$88	$229
Direct Auto	$88	$175
Erie	$93	$172
First Chicago	$93	$235
USAA	$97	$184
American Family	$100	$189
GAINSCO	$105	$278
Mercury	$107	$190
Bristol West	$111	$258
Safeco	$112	$175
National General	$114	$219
Freedom National	$121	$270
Dairyland	$123	$352
Nationwide	$124	$234
Elephant	$128	$217
First Acceptance	$134	$316
Clearcover	$134	$251
Travelers	$135	$252
Farmers	$144	$268
Root	$149	$238
Allstate	$151	$281
Liberty Mutual	$154	$246
Mendota	$155	$301
State Auto	$180	$339

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, $102 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: Monday, May 11 at 12:00 PM PDT. 

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Auto-Owners	$23	$44
State Farm	$25	$46
Country Financial	$35	$66
Erie	$37	$70
GEICO	$38	$75
Certainly	$41	$117
Direct Auto	$42	$84
Progressive	$44	$91
American Family	$45	$84
USAA	$45	$85
Mercury	$46	$81
The General	$47	$123
First Chicago	$49	$123
National General	$50	$96
Nationwide	$50	$94
Bristol West	$54	$126
GAINSCO	$56	$149
Safeco	$56	$88
Travelers	$61	$113
Elephant	$61	$104
Farmers	$62	$116
Freedom National	$63	$142
Dairyland	$64	$185
Allstate	$68	$126
First Acceptance	$70	$165
Root	$72	$115
Liberty Mutual	$73	$117
Clearcover	$76	$142
State Auto	$77	$145
Mendota	$81	$158

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, $328 to protect a Joliet teen driver with full coverage, and $166 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: Monday, May 11 at 12:00 PM PDT. 

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Auto-Owners	$84	$157
State Farm	$89	$163
Country Financial	$102	$192
Certainly	$113	$326
GEICO	$119	$233
Progressive	$123	$254
The General	$123	$318
Erie	$128	$237
Direct Auto	$128	$253
USAA	$134	$254
First Chicago	$135	$343
Mercury	$138	$246
GAINSCO	$141	$371
Bristol West	$148	$343
American Family	$149	$280
Safeco	$159	$249
Dairyland	$160	$459
Clearcover	$165	$310
National General	$169	$326
Elephant	$171	$289
Freedom National	$176	$394
Nationwide	$180	$340
Root	$193	$308
First Acceptance	$195	$460
Liberty Mutual	$202	$324
Travelers	$209	$390
Farmers	$214	$399
Allstate	$222	$413
Mendota	$226	$439
State Auto	$337	$633

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 $39 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 $160 for full coverage. These are right in line with the state averages of $81 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.

City	Average Monthly Quote: Full Coverage	Average Monthly Quote: Liability Only
Aurora	$150	$77
Berwyn	$172	$88
Chicago	$217	$101
Naperville	$136	$73
Peoria	$151	$74
Rockford	$144	$73
Springfield	$160	$78

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