Best Cheap Auto Insurance in Joliet, Illinois (2025)

When you’re this close to Chicago, you’re used to having plenty of options, and that holds true for car insurance in Joliet as well. The Joliet car insurance market is flush with companies, but the cheapest insurers are Progressive, Auto-Owners, and State Farm.

The average monthly cost of liability-only car insurance in Joliet is $83, and full coverage is $161, which is comparable with the state averages of $81 for liability coverage and $153 for full coverage.

However, the choices you make regarding your car insurance coverage can lessen your monthly premium significantly. Comparing car insurance quotes can help you find cheap car insurance in Joliet, Illinois.

Best car insurance companies in Joliet

The best car insurance companies for Joliet residents are Auto-Owners, State Farm, and Mile Auto, according to Insurify data. These companies offer some of the cheapest rates for various drivers. However, the best auto insurance company for you will depend on your circumstances, such as your driving history, the number of drivers in your home, and more.

Best insurer for full coverage: Auto-Owners

Best insurer for safe drivers: State Farm

Best insurer for low-mileage drivers: Mile Auto

Cheapest liability-only car insurance in Joliet: Progressive

Liability insurance covers the injuries or property damage suffered by other people in an accident you cause. However, this type of insurance doesn’t cover your own medical costs or your own vehicle repair costs in the event of an accident. Many states require a certain amount of liability insurance as a minimum.

On average, Joliet drivers pay $122 per month and $998 annually for liability coverage. Liability-only insurance is usually your most affordable option, and you can review average monthly quotes from Joliet’s top insurers in the table below.

Cheapest full-coverage car insurance in Joliet: Auto-Owners

Full-coverage car insurance provides the coverage of liability insurance, and it also protects you and your property in an accident.

If you have a new vehicle, or you’d struggle to replace your vehicle if it was totaled in an accident, you may want to consider full coverage. Your lender may also require you to carry full coverage in order to secure a loan to purchase a new vehicle.

Full-coverage car insurance costs Joliet drivers an average of $1,930 annually. Here, you can see the average monthly quotes for full coverage in Joliet.

Car insurance requirements in Illinois

In order to drive in Illinois, you must carry coverage that meets the state’s minimum requirements:5

If you want coverage that exceeds the minimum requirements in Joliet, you can choose from the following options:

Cheapest car insurance for drivers with an incident

If you have an incident on your driving record, it could cause an increase in your car insurance premiums. Such incidents include speeding tickets, an at-fault accident, and driving under the influence.

In the sections that follow, you’ll see how each incident type can affect your car insurance rates.

Cheapest car insurance for drivers with a speeding ticket

If you get a speeding ticket in Joliet, your car insurance premiums will likely increase. Fortunately, your premiums should decrease again once the ticket falls off your record.

Joliet drivers who get caught speeding can see their overall car insurance costs spike from $122 to $147 per month. This table shows you how much you can expect to pay for insurance in Joliet with a speeding ticket on your record.

Cheapest car insurance for drivers with an at-fault accident

Getting into an at-fault accident can be a stressful event, especially if the accident is severe. In addition to repairing your car and potentially seeking medical care, your car insurance premiums will likely go up if the crash was your fault.

With an at-fault accident on your record, you can expect to see your liability coverage rates rise to $109 per month, and $212 for full coverage. Here, you can see how an at-fault accident could affect your rates in Joliet.

Cheapest car insurance for drivers with a DUI

Driving under the influence makes you a high-risk driver in the eyes of insurance companies. If you have a DUI on your record, you should expect your rates to increase dramatically. In some cases, your insurer may drop you altogether.

Full-coverage car insurance with a DUI averages $259 per month in Joliet. Here’s a look at the monthly rates you can expect to pay in Joliet with a DUI on your record.

Cheapest car insurance for seniors

Your age is another factor insurance companies consider when determining your car insurance premiums. Rates typically decrease around age 35 when drivers are more experienced. At around age 75, rates increase again. This is because drivers older than 75 are statistically more likely to have health issues that could impair their driving and to suffer serious injuries if involved in an accident.

Joliet seniors pay, on average, $102 per month for car insurance. Here are the average monthly rates senior drivers may pay in Joliet, Illinois.

Cheapest car insurance for teens

Teenage drivers are new drivers, and, as such, they’re more inexperienced. For this reason, the cost to insure teenage drivers is typically higher than the cost to insure adult drivers.

Fortunately, teen drivers have ways to save money on their car insurance, including:

• Stay on your parents’ insurance if you still live at home.

• Qualify for a good student discount.

• Drive a safe car.

• Maintain a good driving record.

It costs, on average, $340 to protect a Joliet teen driver with full coverage, and $176 per month for liability-only insurance. These Joliet insurers offer the lowest monthly rates to teens and young drivers.

How to get the cheapest car insurance in Joliet

If you want to find the cheapest car insurance in Joliet, Illinois, follow these tips:

• Shop for discounts. Different insurers offer various discounts. Shop around to find which one best matches your specific situation. The more discounts applicable to your situation, the more money you’ll save.

• Raise your deductible. A higher deductible will usually lead to a lower premium because you’re taking on more of the up-front risk yourself. However, make sure you don’t set your deductible so high you can’t afford to pay it if you need to file a claim.

• Compare prices. Before choosing your auto insurance company, get quotes from three to five different companies. Ask detailed questions about discounts they offer. Using an insurance price-comparison platform makes it easy to compare quotes side by side and see which policy best meets your needs.

Joliet car insurance quotes by credit tier

Most states, including Illinois, allow insurers to factor in your credit score when calculating car insurance premiums.

Credit scores typically go up to a score of 850. Having an excellent or good credit score can get you the best insurance rates, and having a poor credit score can negatively affect your car insurance rates. As such, it’s a good idea to improve your credit score before seeking new car insurance.

Here are the average car insurance rates by credit score in Joliet, Illinois.

Is car insurance more expensive in Joliet?

The average car insurance rates in Joliet are $83 for liability coverage and $161 for full coverage. These are right in line with the state averages of $81 for liability coverage and $83 for full coverage.

The national averages are $106 for liability coverage and $172 for full coverage, meaning Joliet, and the state of Illinois in general, are above the national average.

More cities in Illinois

Rates in Joliet are comparable with the state averages, and the table below shows you how rates in Joliet stack up against those in other major Illinois cities.