Best Auto Insurance Rates in Joliet, Illinois

On average your neighbors pay $67 a month.

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Home to both the Chicagoland Speedway and the Route 66 Raceway, there are many drivers speeding in Joliet. However, if your car insurance rates have increased because of speeding while off off racetrack, we can assist you.

Average Joliet Car Insurance Rates

How much is car insurance in Joliet, IL? Rates here can be expensive. Premiums for many can be higher than both th state and national average. The average cost of auto insurance in Illinois is $803.64 per year. The national average price is $889.01.

Prices will vary depending on your driving record and the total number of claims filed in your zip code.

Illinois Average Annual Car Insurance Rates
Coverage Rates
Liability $446.72
Collision $309.71
Comprehensive $128.13
Total Cost Per Year $803.64
Price Per Month $66.97
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Illinois' average insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Illinois car insurance rates increased from $727 in 2011 to $803 in 2015, a jump of $76, or 10.49 percent.

Illinois average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Joliet, Illinois and save up to 40% on your premium.

Last year, 2,400 people used QuoteWizard to compare car insurance quotes in Joliet, IL from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Joliet, IL

This is our list of the most common car insurance companies reported by 2,400 Joliet, Illinois QuoteWizard users last year. Of these users, 158 were uninsured when they asked for a quote.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Joliet, IL drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet Cavalier
  3. Chevrolet Impala
  4. Chevrolet Malibu
  5. Pontiac Grand Prix GT
  6. Ford Explorer
  7. Chevrolet Equinox LT
  8. Chevrolet Blazer
  9. Ford Taurus SE
  10. Chevrolet Malibu LS
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Joliet, IL

Joliet, Illinois has a minimum liability coverage requirement known as the 25/50/20. This rule means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most insurance companies will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $20,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Joliet Drivers

According to Allstate's America's Best Drivers Report, Joliet ranked 44th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9.9 years.

Joliet drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Weather and road conditions can affect insurance rates.

Weather

Joliet has a humid climate, with hot summers and cold winters. On average, Joliet experiences around 186 sunny days and around 107 days with measurable rainfall. Joliet receives an annual average of 34.2 inches of rainfall and 23.6 inches of snow, which can cause slick roads and dangerous driving conditions.  

Road Conditions

According to Tripnet.org, 27% of the major roads in Illinois are in poor condition and 40% are mediocre. The poor condition of roads costs Illinois drivers $4.4 billion or $540 per motorist in extra vehicle operating costs each year. These costs are a direct result of driving on rough roads that can damage cars and contribute to car accidents.

Due to a high call volume regarding the city’s pothole problems, Joliet has asked residents to report any potholes or any other minor road problems through a mobile app called SeeClickFix. The app will allow you to report with a picture and description of the problem, once you have submitted it, the Public Works Department will take care of it.

Moving Violations

Moving violations like accidents, speeding tickets, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you'll need to get high-risk auto insurance for bad drivers.

Traffic Tickets

The Will County Clerk of Courts website allows you to pay traffic tickets and provides helpful traffic court information.

Drunk Driving Arrests

Will County arrested 1,429 drivers for suspicion of driving under the influence in 2014.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Joliet DUI insurance.

Fatal Car Accidents

Joliet experienced 3,204 traffic crashes in 2014, resulting in 787 injuries and nine fatalities.

Vehicle Theft Rates

Joliet reported 295 motor vehicle thefts in 2016. This is a rate of 2.00 per 1,000 people, which is very close to the national average of 2.20 per 1,000 people.

Save With Car Insurance Discounts

Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Joliet, IL depending on your insurance carrier.

  1. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  2. Are you married or getting married soon? Some insurers offer a discount to married couples
  3. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  4. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Maintain at least a B grade point average in school to qualify for the good student discount
  7. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  8. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  9. Install anti-theft devices or a car alarm system
  10. Shop around and compare low-cost Joliet car insurance quotes

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