Car Insurance in Joliet
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Car Insurance in Joliet, IL
Drivers in Joliet know what it's like to see someone treat I-80 like it's the Chicagoland Speedway as they try to get into the city. Before you drive down to catch a show at the Rialto Square Theatre or relax at Rock Run Preserve, be sure you've got enough insurance to cover you in case of an accident.
Driving in Illinois' third-largest city is similar to driving in most of Illinois since the city closely follows the state traffic laws. For instance, the state of Illinois bans the use of handheld phones while driving, so if you're driving in Joliet and need to send a quick text, you'd better find a place to pull over. Thankfully, the city doesn't require additional car coverage beyond what the state already expects.
As you compare car insurance quotes in Joliet, you'll likely see a range of prices. Quotes can vary based on your age, driving history, and even your location down to the zip code. This page will help you navigate the complex car insurance world to find the best affordable insurance in Joliet.
How much is car insurance in Joliet, IL?
Insurance rates in Joliet can fluctuate significantly depending on the coverage plan you select. To give you a general idea, here are the average costs for the three most common types of coverage in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Joliet?
If you're looking at newer vehicles that typically come with lower insurance costs, check out this list of the top 10 most affordable car makes and models to consider in Joliet:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Dodge Grand Caravan | $163 |
| 2 | Subaru Forester | $165 |
| 3 | Jeep Cherokee | $168 |
| 4 | Honda Cr-V | $168 |
| 5 | Kia Sol | $170 |
| 6 | Ford F-150 | $170 |
| 7 | Ford Fusion | $171 |
| 8 | Kia Sedona | $175 |
| 9 | Toyota Tacoma | $175 |
| 10 | Toyota Corolla | $176 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
From minor fender benders to serious accidents, a handful of speeding tickets, DUI charges, or being involved in a hit-and-run, all these factors can affect your insurance premiums in the city. Below is a breakdown that shows how insurance rates in Joliet can vary based on common claims and violations, ranked from least to most significant:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $180 | +0% |
| Not at-fault Accident | $186 | +3% |
| Driving with expired registration | $220 | +22% |
| Speeding Ticket | $225 | +25% |
| At-fault Accident | $275 | +53% |
| DUI | $336 | +87% |
| Hit and Run | $341 | +89% |
| Driving with a suspended license | $360 | +100% |
What car insurance discounts can I get in Joliet?
In Joliet, a variety of discounts are available that can help lower your insurance expenses. These opportunities are listed below, ordered from the most to the least significant in terms of potential savings on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $156 | +$24 |
| Paid in Full | $169 | +$11 |
| Multi-Policy Renters | $172 | +$8 |
| Low Mileage | $175 | +$5 |
| Renewal discount | $175 | +$5 |
| Electronic Funds Transfer | $176 | +$4 |
| Paperless | $179 | +$1 |
| None | $180 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.