Cheap Car Insurance in Joliet, IL

Looking for cheap auto insurance in Joliet? can help. We’ve been helping drivers just like you find the most affordable rates in your area for many years – all you have to do is give us your zip code, and we’ll do all the hard work for you.

Joliet’s origins date back to the early 1800’s. French Canadian explorer Louis Jolliet first mapped out the area which would become present day Joliet many years prior. The landmark that originally distinguished the territory, named Mound Jolliet, was mined by initial settlers and now resembles more of a depression than anything.

  • Fun Fact: Rosie the Riveter was clearly an inspiration, because Joliet is #7 on the list of “Top 101 cities with largest percentage of females working in industry: Machinery (population 50,000+)”. Learn more about Joliet here.

Auto Insurance Coverage Requirements in Illinois

Driving legally in Joliet requires:

CoverageRequirementsMost Common
Bodily Injury Liability20,000/40,000100,000/300,000
Property Damage Liability15,000100,000
Uninsured Motorist Bodily InjuryNot required20,000/40,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

Thinking about only purchasing the state mandatory minimum? Well, that might be an economical option if you don’t think it would cost much to repair or replace your vehicle. However, just remember that anything which isn’t your fault – including weather, other drivers, etc – won’t be repaired or replaced by your insurer. You will be financially responsible.

Most drivers in Illinois probably have to pay somewhere around $114 per month just for their insurance. However, if you park your car in a Joliet zip code each night, you could get insured for as little as $32/mo* – just keep reading to find out how!

Average Monthly Car Insurance Premiums Legend: Joliet State Farm Allstate Nationwide Mercury Farmers 5 10 15 20 25 30 35 $34 $37 $19 $39 $33


Nationwide, Farmers, and State Farm are offering some of the lowest rates in Joliet right now. But low rates are only a part of getting the best deal on car insurance. For the whole package, you want a company that not only services you for an affordable price, but with stellar customer and claims services also.

Do you know what information insurance companies use to determine your premium? We do. And we’re more than happy to share that information with you. With this extra knowledge, you should be able to negotiate a lower monthly premium for your Illinois car insurance.

Major Car Insurance Factors in Joliet

Below are some of the most common and influential factors which determine how much you will be charged for car insurance. For example:

Your Zip Code

The first thing any insurance company will ask you for when evaluating your policy is your zip code. The area where you live, work, and drive the most will determine how likely you are to get into an accident. After all, the more people who live in your town (and share the road with you), the higher your likelihood of an accident becomes. Joliet has a population of 147,806 and an estimated average household income around $59,019.

Auto Insurance by Zip Code Legend: Chicago Aurora Joliet Naperville Rockford State Farm Allstate Nationwide Mercury Farmers 5 10 15 20 25 30 35 40 45 50 $42 $37 $34 $35 $37 $54 $35 $37 $34 $37 $34 $21 $19 $20 $20 $49 $37 $39 $34 $38 $44 $29 $33 $24 $33


Automotive Accidents

Any area with a high number of serious accidents put you at greater risk for having one, too. And this increased risk can drastically raise your monthly premiums. Luckily, there are very few serious accidents in Joliet, so drivers there can rest easy.

Fatal Accidents in Joliet, IL Legend: Joliet Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 4 7 2 4 7


Auto Thefts in Joliet

Auto theft can become a serious problem if you don’t take steps to protect yourself and your vehicle. Anti-theft devices are a great way to discourage thieves (as well as getting discounts from your insurance company). Comprehensive coverage, although expensive, is the only coverage which will replace a stolen car at no cost to you. But Joliet drivers might not need to spare that extra expense, because in 2013 there were only 156 reported auto thefts. This is a decline from recent years.

Basic vs. Comprehensive Policy Legend: Basic Coverage Comprehensive Coverage State Farm Allstate Nationwide Mercury Farmers 15 30 45 60 75 90 105 120 $34 $82 $37 $131 $19 $49 $39 $69 $33 $57


Your Credit Score

Your credit score determines a lot more than you think – including your car insurance rates. Take a look at the chart below. The difference between an excellent and a poor credit score could mean the difference between a 2x-3x fold increase in automotive insurance premiums.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Allstate Nationwide Mercury Farmers 5 10 15 20 25 30 35 40 45 50 55 60 65 $28 $65 $34 $52 $18 $24 $33 $62 $28 $61


Your Age

Young drivers are in the unfortunate position of having less experience behind the wheel. According to insurance providers, this makes them inherently riskier drivers. Luckily, anyone under the age of 25 is probably eligible for “good student” or driver’s education discounts, which should help alleviate the burden.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm Allstate Nationwide Mercury Farmers 35 70 105 140 175 210 245 280 315 $34 $121 $37 $87 $19 $42 $39 $348 $33 $315


Your Driving Record

There’s a new trend in the automotive insurance industry: “Accident Forgiveness”. Many companies are recognizing that minor violations or minimally damaging accidents don’t necessarily make you a bad driver. Ask your insurance agent if you are eligible for an accident forgiveness discount.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Allstate Nationwide Mercury Farmers 10 20 30 40 50 60 $34 $38 $38 $41 $37 $46 $56 $64 $19 $21 $28 $23 $39 $52 $49 $66 $33 $45 $60 $51


Your Vehicle

Luxury vehicles don’t cost more to insure just because they’re more expensive to replace or repair; they cost more because you have to purchase more insurance to fully protect your investment. After all, if your car costs six figures, would you risk insuring it with Liability coverage alone? Most luxury vehicle owners aren’t willing to take that chance, despite the extra monthly expense.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Allstate Nationwide Mercury Farmers 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 170 180 $34 $115 $37 $187 $19 $68 $39 $112 $33 $74


Minor Car Insurance Factors in Joliet

The factors below may also have an influence in your monthly premium, although they might be a little harder to control:

Your Marital Status

If you are married and want to save money on your auto policy, bundle your insurance with that of your spouse. You’ll both save a ton of money that way. You can even bundle additional policies, such as homeowner’s insurance, if your provider sells those types of coverage.

Your Gender

No matter what people say, the data is clear: there is no significant difference between male and female drivers. Most insurance companies are recognizing this, and have stopped charging radically different premiums between males and females.

Your Driving Distance to Work

In Joliet, you can expect a commute time between 24-30 minutes, on average. Some people try to alleviate the congestion by carpooling; unfortunately, carpoolers only make up 4-18% of daily commuters.

You might think that driving fewer miles each year, or only driving your car for school/work will save you money. In truth, even if you severely restrict your driving, you might only save a few dollars on premiums each month. The biggest rate hike comes from insuring a business vehicle, which costs 10-11% more per month than a personal vehicle.

Your Coverage and Deductibles

Want to lower your premium? Or purchase additional coverage for peace of mind? Then talk to your insurer about raising your deductible. Yes, it will be more expensive to file a claim if the worst happens, but it will lower your monthly bill.

Education in Joliet, IL

Between your job title, your yearly salary, and your education level, which do you think will get you a bigger discount on car insurance? If you guessed “education”, then you answered correctly. Most Joliet residents have at least a high school diploma, while others have yet to graduate. Less than 17% of Joliet residents have a bachelor’s degree.

The Joliet Junior College has more than 11,000 enrolled students and offers a variety of degrees to choose from. For a more advanced degree, the University of St. Francis is a smaller school (around 2,000 enrolled students) offering doctoral degrees and more. Joliet is also home to prestigious beauty academies, such as Professional’s Choice Hair Design and the Regency Beauty Institute.

Don’t be discouraged by the seemingly confusing world of automotive insurance. It’s now easier to find the best deals than ever before. Make the insurance companies compete for your business, instead of the other way around.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Illinois Department of Insurance

Illinois Department of Financial and Professional Regulation

Department of Highway Safety and Motor Vehicles

All it takes is your zip code, and a few minutes of your time – and you can get unbelievably affordable car insurance!