Table of contents
How much is car insurance in Joliet?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Joliet | $53 |
| IL | $50 |
| United States | $80 |
Based on the chart above, you can see that car insurance rates in Joliet are in line with rates across the rest of Illinois.
Compared to the rest of the country, auto insurance in Joliet is more affordable. Auto insurance coverage in Joliet is about $27 cheaper than it is for the rest of the U.S.
While these are the average car insurance rates for Joliet, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't worry, we've done the work for you and broken down average rates for Joliet to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $86 |
| 25-34 | $42 |
| 35-44 | $42 |
| 45-54 | $37 |
| 55-64 | $36 |
| 65+ | $35 |
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $51 more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in Joliet.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $56 |
| Female | $49 |
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Joliet totals about $7 a month. Based on the chart above, you can see that female drivers pay around $49 on average, while male drivers typically pay $56 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $69 |
| Multiple Accidents | $97 |
| 1 Ticket | $57 |
| Multiple Tickets | $116 |
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Joliet, a driving record with a single accident will usually get you a rate around $69 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $57.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $37 |
| 2-3 Years | $66 |
| 4-5 Years | $66 |
| 6-7 Years | $58 |
| 8-10 Years | $45 |
| 11-14 Years | $49 |
| 15 Years or Older | $56 |
The most affordable vehicles to insure in Joliet are by and large SUVs, which run about $47 per month.
Truck and van drivers will see rates of about $55, while the rates for car owners average out to about $53 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Joliet are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $58 |
| Married | $38 |
| Divorced | $36 |
| Widowed | $45 |
Generally, people who are married will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Joliet is about $20 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $46 |
| Rent | $51 |
| Live with parents | $76 |
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Joliet, expect to pay around $5 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Joliet, IL
Recent trends in car insurance for Joliet drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Joliet, car insurance rates went up from 2016-2019, before leveling out in 2020. Insurance rates finished up in 2021, at $71 a month
How does Joliet compare to neighboring areas?
Why are car insurance rates in Joliet different from other areas?
Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Amount of off-street parking
- Local laws
- Total number of drivers in the area
- Crime levels
- Road Safety (total number of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Joliet?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Joliet.
Joliet Insurance FAQs
What factors affect car insurance quotes in Joliet?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Joliet different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Joliet?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Joliet?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Joliet or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.