120+ more*Quotes generated for Insurify users in and around Joliet, Illinois within the last 10 days. Last updated on September 14, 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 September 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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25 years teaching risk management and insurance course
Former commercial lines underwriter
Updated
The average cost of car insurance in Joliet is $85 per month for liability coverage and $161 per month for full coverage, according to Insurify data.
Rates are cheaper in Joliet than in nearby Chicago. Chicago has more than five times Joliet’s population density, and INRIX ranked it as one of the world’s worst cities for traffic congestion in its 2025 Global Traffic Scorecard.
But rates are higher in Joliet than in Naperville, a safe suburb with a relatively low motor vehicle theft rate, according to Insurify data. Joliet car insurance rates are slightly higher than the average car insurance premium in Illinois. Joliet’s population skews younger than the state average, and the city has higher property crime rates than many other Chicago suburbs — both of which can contribute to higher rates.
After steep increases in Illinois car insurance rates in recent years, Illinois lawmakers enacted new legislation giving the Illinois Department of Insurance authority to review and oversee rate filings and reject excessive, inadequate, or unfairly discriminatory premiums on or after July 1, 2027.[1] Increasingly frequent major storms and tornadoes can also affect Illinois premiums.
Auto-Owners offers the cheapest liability-only insurance in Joliet, with an average monthly premium of $41. Opting for liability-only coverage in Joliet saves you money each month and meets Illinois’ minimum car insurance requirements. But it won’t repair or replace your vehicle if you cause an accident, if someone steals or vandalizes it, or if it sustains weather damage.
Liability-only insurance in Illinois includes bodily injury liability coverage, property damage liability coverage, and uninsured/underinsured motorist coverage (UIM/UM). Liability coverage pays for injury, death, and property damage to the other party in an accident. UIM/UM insurance covers your costs if another driver who’s uninsured or has insufficient coverage hits you.[2]
The following table shows the cheapest liability-only car insurance rates in Joliet.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $41 |
| State Farm | $45 |
| Certainly | $56 |
| Progressive | $59 |
| Country Financial | $62 |
| Direct Auto | $63 |
| The General | $64 |
| GEICO | $65 |
| Erie | $68 |
| First Chicago | $68 |
| USAA | $72 |
| GAINSCO | $76 |
| Safeco | $76 |
| American Family | $77 |
| Mercury | $77 |
| Bristol West | $79 |
| National General | $80 |
| Freedom National | $88 |
| Elephant | $91 |
| Clearcover | $94 |
| Dairyland | $95 |
| First Acceptance | $96 |
| Insurify Car | $96 |
| Travelers | $99 |
| Farmers | $106 |
| Root | $107 |
| Liberty Mutual | $109 |
| Allstate | $111 |
| Mendota | $111 |
| Hugo | $114 |
| State Auto | $139 |
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Auto-Owners and State Farm are the cheapest auto insurance companies for full-coverage insurance in Joliet, according to Insurify data.
If you finance your car in Joliet, your lender may require full coverage, including comprehensive and collision, in addition to liability coverage. Even when it’s optional, full coverage is a wise choice for most Joliet drivers.
Over the past year, the Joliet area has been under severe weather warnings more than 150 times, and frequent hail reports have put vehicles at risk of damage. While Joliet has a lower rate of motor vehicle theft than Chicago, it’s still high relative to other southwest suburbs like Plainfield and Orland Park. Comprehensive coverage protects against these risks.
The following table shows the cheapest premiums for full-coverage insurance in Joliet.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $75 |
| State Farm | $81 |
| Country Financial | $113 |
| Progressive | $113 |
| Safeco | $118 |
| Erie | $124 |
| GEICO | $124 |
| Direct Auto | $128 |
| USAA | $132 |
| Mercury | $133 |
| American Family | $142 |
| Elephant | $158 |
| National General | $159 |
| Certainly | $162 |
| The General | $167 |
| Root | $168 |
| First Chicago | $169 |
| Liberty Mutual | $175 |
| Bristol West | $182 |
| Clearcover | $182 |
| Travelers | $182 |
| Farmers | $193 |
| Freedom National | $193 |
| Allstate | $202 |
| GAINSCO | $202 |
| Mendota | $219 |
| First Acceptance | $233 |
| State Auto | $254 |
| Dairyland | $261 |
Illinois car insurance is most expensive in Chicago and densely populated surrounding areas like Chicago Heights and Cicero. Premiums are cheapest in more remote cities like Bloomington and Moline. Car insurance rates in Joliet are more expensive than the average premium in Illinois and nearby suburbs like Naperville, in part due to Joliet’s relatively high vehicle theft rate.
Explore the average cost of car insurance in different Illinois cities using the table below.
City | Average Monthly Quote |
|---|---|
| Bloomington | $99 |
| Moline | $104 |
| Decatur | $105 |
| Champaign | $108 |
| Naperville | $110 |
| Wheeling | $112 |
| Rockford | $114 |
| Peoria | $116 |
| Schaumburg | $116 |
| Crest Hill | $117 |
| Elgin | $117 |
| Aurora | $118 |
| Waukegan | $119 |
| Springfield | $120 |
| Des Plaines | $122 |
| Evanston | $123 |
| Berwyn | $130 |
| Skokie | $134 |
| Belleville | $136 |
| Chicago Heights | $153 |
| Cicero | $154 |
| Chicago | $164 |
Car insurance in Joliet is less expensive than in Chicago and other densely populated cities in Illinois, but Joliet drivers pay slightly higher premiums than the average cost of Illinois car insurance.
Compared to more remote cities like Bloomington and Champaign, which are more than 130 miles away from high-traffic Chicago, Joliet has a longer average commute time, according to U.S. Census Bureau data. More opportunities for car accidents mean higher auto insurance rates.
Joliet also has higher rates of vehicle theft and burglary than many of Chicago’s safest suburbs, and Will County has a slightly higher accident rate than Lake or DuPage counties, according to data from the Illinois Department of Transportation.[3] These risks mean Joliet drivers pay higher rates than drivers in suburbs like Naperville.
*Quotes generated for Insurify users in and around Joliet, Illinois within the last 10 days. Last updated on September 14, 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 September 14, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
One factor that affects your car insurance premium in Joliet is your Illinois driving record, which is a reflection of your driving risk. You’ll pay more for car insurance if you have violations on your record, but some auto insurers are more lenient than others.
These are the cheapest companies for each driving profile, according to Insurify data:
Cheapest car insurance for Joliet drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Joliet: Auto-Owners
Cheapest car insurance for Joliet drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Joliet: Auto-Owners
Insurify data shows that 3.8% of Joliet drivers have at-fault accidents on their driving record, and 3.6% have speeding tickets. Traffic violations in Illinois may result in points on your driver’s license, and three or more offenses within 12 months could lead to a driver’s license suspension or revocation.[4]
While fewer than 0.5% of Joliet drivers have a driving under the influence (DUI) conviction on their driving record, according to Insurify data, Illinois imposes serious penalties for driving under the influence. Your first DUI conviction results in a loss of driving privileges for a minimum of one year and up to one year of jail time.[5]
Once you have an incident on your driving record, insurers will also increase your car insurance premiums to account for the higher risk of future claims. Specific rate hikes can vary significantly from one insurer to the next.
The table below shows the average monthly rates for different types of driving violations in Joliet, according to Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $123 |
| Speeding ticket | $160 |
| At-fault accident | $170 |
| DUI | $181 |
Historic Route 66 runs through Joliet. Attractions like the Rialto Theatre are fun for locals, but the route also draws tourists during the warmer months, with programming like the Sounds on 66 concert series and Dancing in the Square. Fortunately, the City of Joliet introduced a free parking program in the downtown area in 2025, offering two hours of free parking on weekdays and no restrictions on weekends.
Joliet experiences frequent snowstorms in winter, and the city prohibits street parking when snowfall exceeds 2 inches to allow snowplow crews to clear the roadways. Violating the ban may result in a ticket or a tow. Joliet aims to clear snow within 24 hours, but heavier storms may take longer. The city prioritizes major roads, hills, and bridges.
Auto insurers charge higher premiums in locations with more traffic and higher accident rates, though a new Illinois law prevents rate increases based on ZIP code from being “unfairly discriminatory.”
The Joliet Police Traffic Unit collects data on problem areas using mobile speed radar-enforcement trailers to direct enforcement resources appropriately.[6]
Liability policies average $85/mo.
Teen drivers pay an average of $245 per month for liability coverage in Joliet, according to Insurify data — nearly twice the average rate for all drivers. Still, some auto insurers offer cheaper premiums. Auto-Owners and State Farm offer the cheapest liability insurance for teen drivers in Joliet.
You can get your permit in Illinois at age 15 when enrolled in driver education. During the permit and initial licensing phases, you’ll need to follow nighttime driving restrictions.[7] When you start driving, it’s typically cheaper for your parents to add you as a driver to their policy than to buy separate insurance.[8]
To avoid a steep premium hike on your parents’ policy, compare auto insurance quotes from multiple companies. The following table shows the cheapest rates for teen drivers in Joliet.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $86 |
| State Farm | $90 |
| Country Financial | $103 |
| Certainly | $111 |
| Progressive | $117 |
| The General | $121 |
| GEICO | $123 |
| Direct Auto | $128 |
| Erie | $129 |
| First Chicago | $135 |
| USAA | $137 |
| GAINSCO | $139 |
| Bristol West | $146 |
| Mercury | $146 |
| American Family | $151 |
| Safeco | $161 |
| Clearcover | $161 |
| National General | $165 |
| Root | $170 |
| Dairyland | $172 |
| Elephant | $173 |
| Freedom National | $175 |
| First Acceptance | $191 |
| Insurify Car | $191 |
| Liberty Mutual | $199 |
| Travelers | $212 |
| Farmers | $219 |
| Allstate | $221 |
| Mendota | $221 |
| Hugo | $227 |
| State Auto | $341 |
Joliet’s population skews younger, with only 11.5% of residents aged 65 and older, according to the U.S. Census Bureau. Yet older adults typically pay the most affordable auto insurance rates. What’s more, many car insurance companies in Illinois offer a mature driver discount.
Senior drivers in Joliet pay monthly averages of $70 for liability coverage and $133 for full coverage.
The following table shows the cheapest liability car insurance rates for seniors in Joliet.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $32 |
| State Farm | $35 |
| Certainly | $46 |
| Country Financial | $48 |
| Progressive | $49 |
| Direct Auto | $50 |
| GEICO | $51 |
| Erie | $51 |
| The General | $53 |
| First Chicago | $56 |
| USAA | $57 |
| Mercury | $59 |
| American Family | $60 |
| National General | $61 |
| GAINSCO | $64 |
| Bristol West | $64 |
| Safeco | $65 |
| Elephant | $72 |
| Freedom National | $73 |
| Travelers | $78 |
| Dairyland | $79 |
| First Acceptance | $80 |
| Insurify Car | $80 |
| Clearcover | $81 |
| Farmers | $82 |
| Liberty Mutual | $88 |
| Allstate | $92 |
| Mendota | $92 |
| Hugo | $95 |
| Root | $97 |
| State Auto | $103 |
The best way to get cheap car insurance in Joliet is to compare free auto insurance quotes, but you should know what to look for before you shop. Consider these common questions Joliet drivers ask about Illinois car insurance rates and coverage.
The average cost of car insurance in Joliet is $123 per month across all policy types, according to Insurify data, which is similar to the Illinois average premium of $123 per month.
Auto-Owners has the cheapest car insurance in Joliet, charging just $41 per month for liability insurance, according to Insurify data. State Farm also offers cheap car insurance premiums in Joliet, at $45 per month.
To get the most affordable car insurance quotes in Joliet, compare free quotes from multiple companies. You can ask a local agent or broker, or use a car insurance comparison site. Enter the same information for each quote so you can compare pricing on an apples-to-apples basis.
Illinois law requires that drivers carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $20,000 per accident in property damage liability coverage. The law also requires uninsured motorist coverage with the same minimum limits. If you buy higher limits, you must also purchase underinsured motorist coverage.
Under certain circumstances, Illinois requires financial responsibility (SR-22) insurance. For example, you may need an insurance company to write an SR-22 policy in Illinois after a driver’s license suspension or revocation, or after three or more convictions for traffic violations.[9]
Insurify data scientists analyzed more than 250 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:
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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5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
25 years teaching risk management and insurance course
Former commercial lines underwriter
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
