Best car insurance companies in Joliet
No insurance provider carries the ‘best’ or ‘cheapest’ rates. Car insurance quotes are highly individualized, meaning that you won’t receive the same rate as another driver in Joliet, even if it’s from the same provider
To help drivers find their ideal insurer, Jerry conducted one of the largest consumer surveys in the nation, interviewing over 15,000 real policyholders on their current providers.
Using survey data, we found that larger companies such as Allstate and State Farm in Joliet, IL received lower ratings when it came to overall preference, whereas medium-sized providers, including Travelers and Mercury Auto, achieved the highest scores.
Check out the table below to see just how the top insurers in Joliet ranked for performance and cost.
| Insurance company | Overall rating | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|---|
| Travelers | 4.6 | $761 | $142 |
| Allstate | 4.1 | $849 | $270 |
| Mercury Auto | 4.3 | $855 | $368 |
| State Farm | 3.9 | $1,318 | $421 |
| Progressive | 4.2 | $1,418 | $491 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Cheapest car insurance quotes in Joliet
On average, auto insurance in Joliet costs about $90 per month for minimum coverage liability insurance and about $150 per month for full coverage insurance. Joliet drivers pay 42% less than the average.
Finding cheap car insurance in Illinois can be Ill-annoying!—sorry, I’ll show myself out. Lame jokes aside, if there was a single best car insurance company in Joliet, everyone would have heard of it by now.
The truth is that the best auto insurance policy varies from driver to driver, and you need to compare tons of quotes to find the coverage and the price you want.
The bonus truth is that Jerry makes it easy to find and compare cheap car insurance quotes for free. All it takes is 45 seconds to sign up and less than a minute to receive the five to seven most competitive offers in your area. So skip the stress of shopping and go straight to the savings!
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $125 | 38 | 60432 | Jeep Cherokee Latitude | State Minimum | Yes |
| Progressive | $178 | 25 | 60435 | Jeep Compass Latitude | State Minimum | Yes |
| Mercury | $127 | 27 | 60432 | Buick Regal Premium | State Minimum | No |
| Electric | $712 | 24 | 60435 | Ram 1500 Classic Slt | 100/300 | Yes |
| National General | $448 | 44 | 60433 | Lexus Nx 200T Base | 50/100 | Yes |
Cheapest Joliet car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Joliet can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
| Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
| Nathaniel, 21 | 66 | 20% | No | – State Minimum Liability – Minimum Coverage |
| Roberto, 34 | 94 | 37% | No | – 100/300 – Comp/Collision |
| Angel, 44 | 70 | 19% | No | – 100/300 – Comp/Collision |
| Danny, 54 | 90 | 29% | No | – State Minimum Liability – Comp/Collision |
| Michael, 64 | 85 | 24% | No | – 100/300 – Comp/Collision |
Best cheap car insurance quotes in Joliet
Illinois car insurance laws require every driver—including those in Joliet—to carry liability car insurance and uninsured motorist/underinsured motorist (UM/UIM) bodily injury coverage.
Liability insurance covers the costs of treating anyone you injure in an at-fault accident and repairing (or replacing) any property you damage. However, UM/UIM bodily injury coverage covers the medical expenses of you and your passengers if they exceed the at-fault driver’s coverage limits.
Cheap minimum liability insurance quotes in Joliet
The minimum liability coverage requirements in Joliet, Illinois, follow a 25/50/20 (plus 25/50) rule.
To put it simply, you’ll need a policy that covers at least:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $20,000 of property damage liability coverage per accident
- $25,000 of UM/UIM bodily injury coverage per person
- $50,000 of UM/UIM bodily injury coverage per accident
By sticking with the minimum required liability coverage, you’ll probably pay the lowest rates. Jerry helps Joliet drivers find low rates for no-frills coverage.
Do you need more than minimum coverage in Joliet?
In Joliet, drivers should consider topping up their liability coverage beyond the state’s minimum requirement of 25/50/20.
The state minimum coverage requirements provide a lot of protection, but medical and repair bills tend to add up.
If you cause a car accident and the injured party’s expenses exceed your coverage limits, you’ll have to pay the rest out of pocket. They also have the right to sue you in a personal injury lawsuit for up to two years after the accident, according to Illinois’s car accident laws.
The bottom line: Doubling your liability and UM/UIM coverage limits won’t double your rates, but it’ll provide better financial protection in the event of a serious car accident.
Cheap full coverage car insurance quotes in Joliet
Full-coverage car insurance isn’t required by law, but it provides coverage for repairs to (or a replacement of) your vehicles.
A full coverage policy includes collision coverage and comprehensive coverage.
- Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object.
- Comprehensive coverage also covers the costs of repairing or replacing your car but it only applies to damages caused by theft, vandalism, or natural disasters.
If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in Joliet.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | Yes | Progressive | $125 | 38 | 60432 | Jeep Cherokee Latitude |
| State Minimum | Yes | Progressive | $178 | 25 | 60435 | Jeep Compass Latitude |
| 100/300 | Yes | Electric | $712 | 24 | 60435 | Ram 1500 Classic Slt |
| 50/100 | Yes | National General | $448 | 44 | 60433 | Lexus Nx 200T Base |
| State Minimum | Yes | Gainsco | $154 | 77 | 60435 | Toyota Scion Fr-S |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Joliet
In helping hundreds of Joliet drivers find cheaper rates, we found the average cost for minimum liability coverage to be $90 per month or $1,080 per year.
The average cost for full coverage insurance in Joliet is $150 per month or $1,800 per year.
While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors. Car insurance rates are determined by your driver profile, driving record, and claims history, among other things.
Your actual costs could be hundreds of dollars higher than the average—or, if you use a quote-comparison app, hundreds of dollars less.
Car insurance quotes in Joliet by rating factors
Insurance companies in Joliet use many rating factors when calculating your auto insurance premium:
- Your driving record and claims history: Accidents and tickets will increase your insurance rates.
- Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
- Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
- Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
- Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.
Cheap car insurance quotes in Joliet after driving violations
Your Illinois driving record plays a large role in deciding your car insurance rates. For one, the number of driver violation points on your driver’s license can add quite a few dollars to your monthly premiums.
Some car insurance companies will work with a high-risk driver profile, while others won’t, particularly if you received a serious conviction for a DUI or reckless driving in Illinois.
Cheapest car insurance in Joliet after speeding ticket
Even a single Illinois speeding ticket can raise your insurance rates by an average of about 13%. If you have multiple speeding tickets or you were ticketed for going well above the speed limit, your rates could go up even more.
Some providers are more forgiving of violations like speeding tickets. By working with a broker like Jerry, you’re more likely to come across an insurer that will offer you more affordable car insurance after a ticket.
Check out real rates drivers in Illinois achieved using Jerry.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding 21+ | Mercury | $127 | 27 | 60432 | Buick Regal Premium | State Minimum | No |
| Speeding Violation-Minor | National General | $448 | 44 | 60433 | Lexus Nx 200T Base | 50/100 | Yes |
| Speeding 21+ | The General | $359 | 37 | 60435 | Acura Tlx Tech | State Minimum | Yes |
| Speeding 16-20 | Electric | $262 | 43 | 60435 | Nissan Altima Sr | State Minimum | Yes |
| Speeding Violation-Minor | Progressive | $353 | 23 | 60433 | Honda Accord Lx | State Minimum | Yes |
Cheapest car insurance in Joliet after DUI
If you’re charged with a DUI in Illinois, you could face consequences including:
- Fine of up to $2,500
- Jail sentence of up to one year
- Driver’s license suspension of at least one year
- Community service sentence of up to 100 hours
The penalties become more severe for subsequent DUI offenses.
On top of the legal consequences, you’ll also see significantly higher car insurance costs—but Jerry can help you find lower rates.
Cheapest car insurance in Joliet after an at-fault accident
If you need another reason to keep a clean driving record, keep in mind that high-risk drivers pay higher car insurance rates. Even multiple small, at-fault car accidents can add up to a significant price premium.
So if you’re wondering why your rates are so high, first check your Illinois driving record—and then download Jerry to compare quotes and find a better plan.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Electric | $712 | 24 | 60435 | Ram 1500 Classic Slt | 100/300 | Yes |
| At Fault With No Injury | National General | $448 | 44 | 60433 | Lexus Nx 200T Base | 50/100 | Yes |
| Not At Fault | Progressive | $142 | 23 | 60436 | Acura Mdx Touring | State Minimum | No |
| Not At Fault | Gainsco | $154 | 77 | 60435 | Toyota Scion Fr-S | State Minimum | Yes |
| At Fault With No Injury | The General | $608 | 37 | 60431 | Volkswagen Atlas Sel Premium R- | State Minimum | Yes |
Cheapest car insurance in Joliet after other driving violations
Most traffic violations increase your insurance rates, such as driving without a license, stunt driving, or reckless driving. If you’re stuck with a ticket and unaffordable coverage, here’s where to look in Joliet:
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| DUI | Electric | $712 | 24 | 60435 | Ram 1500 Classic Slt | 100/300 | Yes |
| Driving on Sus. License | Gainsco | $149 | 38 | 60431 | Ford Mustang Gt | State Minimum | No |
| Failure to Yield | Bristol West | $80 | 31 | 60433 | Subaru Forester Premium | State Minimum | No |
| DUI | The General | $100 | 40 | 60432 | Toyota Avalon Xl | State Minimum | No |
| Suspension | National General | $142 | 25 | 60436 | Nissan Altima S | State Minimum | No |
Cheap car insurance quotes in Joliet by age
Car insurance rates start high, drop, and then rise again. Teen drivers pay more, middle-aged drivers pay less, and senior drivers pay more again—although not as much as when they were new to the road.
If you fall outside the ideal bracket for car insurance savings (25 to 75), here’s what you can do:
Cheapest car insurance in Joliet for young drivers
Teen drivers between the ages of 16 and 19 are statistically more likely to get into an accident, so they pay the highest rates of any age group.
The best way to keep costs low for young drivers is to keep them on their parents’ policy for as long as possible—and shop with Jerry to find the most affordable coverage for teen drivers in Joliet.
Cheapest car insurance in Joliet for senior drivers
Senior drivers may be more likely to get into car accidents due to slowed reaction times and vision and hearing changes. They’re also more likely to be seriously injured if they do get into a collision. Because of that, insurance companies often charge higher rates for senior drivers.
To find the best senior car insurance, look for a company that rewards drivers for safe driving or keeping low mileage on their vehicles. Also, prioritize a company with good customer service.
With Jerry, not only can you safe on car insurance for seniors, but our expert customer service agents can help answer any questions you might have during the shopping process.
Cheap car insurance quotes in Joliet based on insurance history
Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a car insurance lapse can raise your insurance rates.
With Jerry’s automatic reminders, you can find a fresh start at a new company and remember your payments. You’ll receive a detailed price comparison when it’s time to renew so you can see if your current rates are still the most competitive in Joliet.
Cheap car insurance quotes in Joliet for popular cars
The type of car you drive helps determine your annual insurance premiums. A model with good safety ratings, driver-assistive technology, and vehicle anti-theft systems costs less to insure. If it’s cheap to repair, then so much the better!
Here are the five most popular models on Joliet’s roads:
- Toyota RAV 4
- Chevrolet Silverado
- Honda CR-V
- Ford F-150
- Chevrolet Equinox
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Chevrolet Equinox Ls | The General | $228 | 30 | 60435 | State Minimum | No |
| Chevrolet Equinox Lt | Progressive | $162 | 61 | 60436 | 100/300 | Yes |
| Chevrolet Equinox Lt | The General | $104 | 35 | 60435 | State Minimum | No |
| Chevrolet Equinox Ls | Progressive | $140 | 35 | 60432 | State Minimum | Yes |
| Ford F-150 Supercrew | Progressive | $252 | 57 | 60432 | State Minimum | Yes |
How to lower car insurance costs in Joliet
1. Shop around and compare quotes
You can’t get the best deal on auto insurance without comparing quotes from at least three different companies. Experts recommend comparison shopping for car insurance quotes every six months.
Take a look at the most competitive plans in five minutes or less with Jerry. Download the app, sign up, and get five to seven quotes delivered straight to your phone. It’s the best money you’ll never spend—because our five-star-rated app is free!
2. Hunt for car insurance discounts
Getting the right car insurance discount can transform a good rate into a great one. You could save by joining a program for:
- Good drivers. If you’ve held a clean driving record for at least three years, you’re due for some sweet discounts.
- Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
- Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
- Insurance bundlers. Bundle your car and home insurance and you could pay less for each of them.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Joliet so expensive?
- Congestion: Because driving in Joliet incurs a higher risk of dents, dings, and cracked windows than driving in the countryside, insurance rates are higher, too.
- Motor vehicle theft: Similar to congestion, high motor vehicle theft rates in Joliet lead insurance providers to increase your premiums.
- Fatality rates: Around one-quarter of the fatal car crashes in Illinois in 2021 happened on urban roads. Because of the high costs associated with motor vehicle fatalities, Joliet drivers pay higher rates.
Learn more: 11 ways to lower car insurance
FAQ
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Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details. Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
