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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Car insurance in Joliet costs drivers an average of $124 per year. Joliet has slightly more expensive car insurance than other urban areas because Illinois has one of the country’s highest rates of auto theft.[1]
Despite these factors, many companies offer rates well below the citywide average. Auto-Owners, State Farm, and Progressive lead the pack with some of the most competitive liability rates, starting at $44 per month.
We’ll walk you through the cheapest insurers in Joliet for different types of drivers, help you pick the right company for your situation, and share tips to save you money on car insurance.
Auto-Owners offers the cheapest average rates in Joliet, at $44 per month for liability coverage.
Drivers in Joliet pay a monthly average of $84 for liability coverage and $164 for full coverage.
Illinois requires drivers to have 25/50/20 liability coverage, plus uninsured/underinsured motorist coverage.
Even with Joliet’s higher-than-average rates, you can still find excellent deals if you know where to look. Several insurers consistently offer rates below the citywide average.
The table below highlights the most affordable insurance companies in Joliet, based on Compare.com data analysis.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $44 |
| State Farm | $47 |
| Progressive | $50 |
| COUNTRY Financial | $67 |
| Clearcover | $71 |
| Mercury | $71 |
| Erie | $73 |
| Direct Auto | $75 |
| USAA | $78 |
| American Family | $84 |
| GEICO | $84 |
| The General | $91 |
| Safeco | $97 |
| Bristol West | $98 |
| National General | $98 |
| Nationwide | $99 |
| GAINSCO | $100 |
| Elephant | $102 |
| Dairyland | $104 |
| Travelers | $107 |
| Farmers | $114 |
| Root | $115 |
| Allstate | $119 |
| Foremost | $140 |
| State Auto | $149 |
| Hugo | $156 |
| Liberty Mutual | $162 |
Auto-Owners takes the top spot, with an average monthly liability rate of $44.
The following sections break down the cheapest options by driver profile, coverage type, and other factors that might affect your rates.
While the companies above provide a solid starting point, your actual rates can vary dramatically based on your age, driving history, and dozens of other factors. That’s why you should compare quotes from companies that offer good rates for people with driving profiles similar to yours.
The breakdown below shows which insurers offer the best deals for various driver types and coverage levels, according to Compare.com data analysis.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $44 |
| Full coverage | Auto-Owners | $67 |
| Teens | Auto-Owners | $85 |
| Seniors | Auto-Owners | $35 |
| Drivers with a speeding ticket | Auto-Owners | $54 |
| Drivers with an at-fault accident | Auto-Owners | $56 |
| Drivers with a DUI | Auto-Owners | $68 |
| Drivers with excellent credit | Auto-Owners | $36 |
| Drivers with poor credit | Auto-Owners | $63 |
We’ve included detailed sections below for each driver category and coverage type to help you find the best coverage.
Policies in Joliet start as low as $44 per month.
Drivers in Joliet pay an average of $84 per month for minimum-coverage car insurance, according to Compare.com data. Most insurance experts recommend purchasing more coverage than Illinois requires, since state minimums often don’t provide enough protection if you cause a serious accident or injure multiple people.[2]
If you need basic coverage that meets Illinois’ minimum requirements, the chart below lists the five most affordable options, according to our research.
Most drivers should consider full-coverage car insurance because it protects your vehicle from damage, theft, vandalism, and weather-related incidents. Full coverage typically includes comprehensive and collision insurance on top of liability coverage.
Lenders and leasing companies usually require you to buy full coverage if you finance or lease your vehicle.[3] Joliet drivers pay an average of $164 per month for full-coverage car insurance. But even with these higher rates, several companies offer full coverage for close to what you’d pay for liability-only policies elsewhere.
The following chart shows the five cheapest full-coverage options in Joliet, based on Compare.com research.
Teen drivers pay some of the most expensive insurance rates of any age group. Younger drivers lack experience and statistically have higher accident rates.[4] Nationwide data shows teens pay nearly double what drivers aged 20 and older pay for the same coverage.
Teen drivers in Joliet pay an average of $262 per month for car insurance. But you can still find reasonable rates if you’re a young driver willing to shop around.
We found the five most budget-friendly insurers for teen drivers in Joliet, according to Compare.com data. Check them out in the chart below.
Senior drivers typically enjoy the lowest insurance rates of any age group. They usually have decades of driving experience and file fewer claims per mile driven.[5]
Seniors in Joliet pay an average of $103 per month for auto insurance, according to Compare.com data. But even with these already-low average rates, you can likely find an even better deal.
This chart shows the five cheapest insurance companies for senior drivers in Joliet, based on our analysis.
Getting a traffic ticket can bump up your rates when your policy renews because insurers view violations as indicators of future risk.[6] Our research shows that even a single speeding ticket causes average rates to jump by 28% nationwide.
Drivers with recent tickets in Joliet pay an average of $148 per month for auto coverage. But several insurers specialize in offering competitive rates for drivers with minor violations.
Here are the five cheapest insurance options for Joliet drivers with recent tickets, according to Compare.com data.
Causing an accident can trigger a substantial rate increase because it signals to insurers that you’re more likely to file claims in the future. Our research shows that a single at-fault accident causes average rates to spike by 33% nationwide.
Drivers with recent accidents in Joliet pay an average of $161 per month for auto insurance. But you can often find better deals with one of the five insurers below.
These companies offer the cheapest rates for Joliet drivers with recent accidents, according to Compare.com data.
A driving under the influence (DUI) conviction triggers the sharpest insurance rate increases of any traffic violation. Our research shows average rates climb by 59% nationwide after a DUI conviction.
Drivers with DUI convictions in Joliet pay an average of $200 per month for car insurance. Beyond higher rates, getting a DUI can make it challenging to find coverage at all. That’s because some insurers won’t offer coverage to drivers with DUIs.[7]
The good news is that some insurance companies specialize in covering high-risk drivers, including people with DUI convictions.
The chart below highlights the five cheapest insurers in Joliet for drivers with DUI convictions, according to Compare.com research.
Some insurance companies check your credit history when calculating your rates. Insurers use what they call a “credit-based insurance score” to predict your likelihood of missing payments or filing claims.[8] Our research shows drivers with poor credit pay 40% more than people with excellent credit.
Drivers with poor credit in Joliet pay an average of $155 per month for car insurance. But not all companies use credit in their rate calculations, and some offer affordable rates regardless of your credit history.
This chart shows the five cheapest insurance companies in Joliet for drivers with poor credit, according to Compare.com data.
Compare personalized quotes from Joliet’s top insurers.
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Illinois, like nearly every state, requires all drivers to have car insurance. To legally drive in the Prairie State, you need at least:[9]
Bodily injury liability: $25,000 per person and $50,000 per accident for injuries you cause to others
Property damage liability: $20,000 per accident for damage you cause to other people’s property
Uninsured/underinsured motorist bodily injury: $25,000 per person and $50,000 per accident for injuries caused by uninsured or underinsured drivers
Most insurance experts recommend buying coverage above Illinois’ minimum limits, since these amounts might not cover all expenses in a serious accident. If you finance or lease your vehicle, your lender usually requires you to have comprehensive and collision coverage.
Consider this scenario: If you cause an accident that seriously injures two people, your $50,000 bodily injury coverage might not cover all their medical bills, lost wages, and other expenses. You’d have to pay the difference out of pocket.
We answered some of the most common questions from drivers about car insurance in Joliet. Check them out below.
Car insurance in Joliet costs an average of $84 per month for liability coverage and $164 per month for full coverage, according to Compare.com data.
It depends. Joliet drivers pay an average of $124 per month for car insurance. That’s compared to the national average of $149. How much you pay for car insurance depends on several factors, including your address, driving history, age, and coverage choices.
Auto-Owners offers the cheapest liability coverage in Joliet, at $44 per month, according to Compare.com data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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