Cheapest and Best Car Insurance in Joliet, IL (July 2024)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

fact checked icon

Updated: July 10, 2024

Advertising & Editorial Disclosure

In Joliet, Illinois, Mercury offers the cheapest minimum coverage car insurance. American Family has the most affordable full coverage. It is also the overall best, balancing cost and customer satisfaction, which is critical for those evaluating comprehensive value. Progressive is the most cost-effective provider for families with teens. Westfield leads in service quality. The ideal insurer depends on individual needs and coverage preferences.

MoneyGeek Logo IconBest & CheapestCar InsuranceJoliet
2024

Cheapest and Best Car Insurance in Joliet

Why Trust MoneyGeek? We analyzed 74,576 quotes in Illinois from 15 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Joliet insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

recency icon

These rates reflect the cheapest car insurance quotes in Joliet, IL, as of July 2024.

74,576Quotes Analyzed
 
15Companies Compared

Cheapest Minimum Coverage Car Insurance in Joliet

MoneyGeek found that Mercury is the cheapest option in Joliet for drivers looking for the cheapest car insurance.

  • Mercury: $326 per year
  • Country Financial: $378 per year

Allstate has the most expensive minimum coverage policy in Joliet, at a premium of $758 per year. The rate difference between the most and least expensive options is $432, demonstrating the importance of shopping around for car insurance to ensure you are getting the best deal for your budget.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
MercuryAnnual Premium$326Monthly Premium$27
Country FinancialAnnual Premium$378Monthly Premium$31
Auto-Owners Insurance CoAnnual Premium$431Monthly Premium$36
WestfieldAnnual Premium$469Monthly Premium$39
GEICOAnnual Premium$496Monthly Premium$41
ErieAnnual Premium$501Monthly Premium$42
American FamilyAnnual Premium$506Monthly Premium$42
TravelersAnnual Premium$514Monthly Premium$43

State Minimum Liability Requirements

Across all cities in Illinois, state law predetermines the minimum car insurance coverage required. These are the mandated limits:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident

Suppose you're covered with the legal minimum and cause an accident where one person's bodily injury expenses are $30,000. Your policy would cover up to $25,000, with the remaining $5,000 being your responsibility. If multiple people are injured, you could reach the per-accident limits quickly. Your car insurance policy covers you up to a certain amount, and you are liable out of pocket for the rest of the expenses.

Cheapest Full Coverage Car Insurance in Joliet

MoneyGeek found that American Family is the cheapest option in Joliet for the cheapest full coverage car insurance.

  • American Family: $848 per year
  • Country Financial: $849 per year

Hanover has the most expensive full coverage policy in Joliet, at an annual cost of $1,942 — $1,094 more than American Family. This price gap underscores the importance of comparing rates to ensure you're not overpaying for full coverage, which tends to be pricier than minimum coverage due to its comprehensive protection.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$848Monthly Premium$71
Country FinancialAnnual Premium$849Monthly Premium$71
Auto-Owners Insurance CoAnnual Premium$898Monthly Premium$75
TravelersAnnual Premium$928Monthly Premium$77
GEICOAnnual Premium$1,048Monthly Premium$87
ErieAnnual Premium$1,065Monthly Premium$89
WestfieldAnnual Premium$1,095Monthly Premium$91
MercuryAnnual Premium$1,234Monthly Premium$103

Do You Need Full Coverage in Illinois?

Full coverage car insurance policies have higher liability limits. It also includes both comprehensive and collision coverage:

  • Collision Insurance: This coverage reimburses you for any damage your car sustains after hitting or being hit by another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This protection covers the costs for non-collision-related damage to your automobile, such as vandalism, theft, fires, the impact of natural disasters or being hit by an animal like a deer.

For drivers with brand-new vehicles, opting for full coverage is a strategic move to protect your investment against unforeseen events. However, the decision may not be as straightforward for owners of older cars, where the cost of added protection might outweigh its benefits. Figuring out the right amount of car insurance for you involves weighing the potentially high premiums of comprehensive coverage against the risk of being inadequately insured. It's essential to assess these factors to make an informed insurance decision that aligns with your needs.

Cheapest Car Insurance in Joliet After a Driving Offense

MoneyGeek found that the most affordable full coverage policy options for drivers in Joliet with a poor driving record vary depending on the specific driving infraction. These are the cheapest providers for each offense:

  • Speeding Ticket: Auto-Owners ($1,004 per year)
  • At-Fault Accident: American Family ($1,009 per year)
  • DUI: American Family ($1,025 per year)

Hanover has the most expensive annual rates after a DUI at $3,245 and following an at-fault accident at $3,027. Grange Insurance is the most costly after a speeding ticket at $2,230 per year. The severity of a traffic violation can significantly affect car insurance costs, but you may still find affordable options.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Auto-Owners Insurance CoAnnual Premium$1,004Monthly Premium$84
American FamilyAnnual Premium$1,025Monthly Premium$85
Country FinancialAnnual Premium$1,110Monthly Premium$93
ErieAnnual Premium$1,166Monthly Premium$97
WestfieldAnnual Premium$1,295Monthly Premium$108
TravelersAnnual Premium$1,301Monthly Premium$108
GEICOAnnual Premium$1,385Monthly Premium$115
AAAAnnual Premium$1,515Monthly Premium$126

In cities like Joliet, insurance rates typically increase with the severity of a traffic violation due to the higher risk perceived by insurers. For instance, drivers with a DUI may see annual rates soar to an average of $2,723, while those with a speeding ticket face slightly lower premiums at around $2,022. This contrast underscores why comparing insurance quotes is crucial for individuals with driving offenses, as it could lead to significant cost savings.

Cheapest Car Insurance in Joliet for Teens and Their Families

MoneyGeek found that Progressive offers the cheapest car insurance for teens in Joliet. These are the top companies to consider:

  • Progressive: $1,952 per year for female teens and $2,100 per year for male teens
  • Auto-Owners: $2,127 per year for female teens and $2,179 per year for male teens

These rates reflect the annual premiums of a policy covering two parents and a teenage driver. GEICO has the highest teen family policy rate at $2,673 per year for female teens — a significant difference of $721 compared to Progressive's rate. This disparity underscores the importance of comparing insurance options, especially for high-risk drivers like teenagers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
ProgressiveFamily Plan Annual Premium$1,952Individual Plan Monthly Premium$4,691
Auto-Owners Insurance CoFamily Plan Annual Premium$2,127Individual Plan Monthly Premium$2,017
State FarmFamily Plan Annual Premium$2,153Individual Plan Monthly Premium$3,172
TravelersFamily Plan Annual Premium$2,234Individual Plan Monthly Premium$6,887
AllstateFamily Plan Annual Premium$2,629Individual Plan Monthly Premium$5,362
GEICOFamily Plan Annual Premium$2,673Individual Plan Monthly Premium$7,914

In Joliet and many cities, teens seeking car insurance face steep premiums. An individual teen policy costs an average of $5,651 per year, compared to $2,572 when added to a family plan. Insurance providers charge more for independent teen policies due to inexperienced drivers' higher risk of accidents. Teens may also struggle to secure a policy on their own, as providers often require an established record of responsible driving and credit history, which many young drivers lack. Opting into a family plan cuts costs and increases the likelihood of approval.

Cheapest Car Insurance in Joliet for Military Drivers

MoneyGeek found that American Family offers the cheapest car insurance for military backgrounds in Joliet. These are the most affordable providers:

  • American Family: $848 per year
  • Country Financial: $849 per year

While USAA is not the cheapest at $1,153 per year, it provides tailored service to active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$848Monthly Premium$71
Country FinancialAnnual Premium$849Monthly Premium$71
Auto-Owners Insurance CoAnnual Premium$898Monthly Premium$75
TravelersAnnual Premium$928Monthly Premium$77
GEICOAnnual Premium$1,048Monthly Premium$87
ErieAnnual Premium$1,065Monthly Premium$89
WestfieldAnnual Premium$1,095Monthly Premium$91
USAAAnnual Premium$1,153Monthly Premium$96

How to Compare Cheap Joliet Car Insurance Quotes Online

Comparing car insurance rates in Joliet is vital for savings. However, evaluating three or more companies may take over an hour.

MoneyGeek's car insurance calculator streamlines this process. You can receive tailored rate estimates quickly by inputting key variables such as age, driving history, credit score and coverage preferences.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

High
Average
Low

Rates updated:

Jul 12, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Best Car Insurance in Joliet: Overview

Finding the right auto insurance for you depends on your preferences for service, cost and coverage. MoneyGeek’s unique scoring system weighs these aspects to recommend Joliet's premier insurance providers tailored to various needs.

  • Best overall: American Family (MoneyGeek score 85 out of 100)
  • Best for service: Westfield (MoneyGeek score 82 out of 100)
  • Best cheap: Mercury (MoneyGeek score 80 out of 100)

With different companies excelling in each category, consumers have clear choices. Mercury might be the optimal choice if saving money is a high priority, as the company offers cost-effective policies without compromising service quality. Westfield caters to those who value customer service above cost concerns. Meanwhile, American Family represents the best balance between affordability and quality service, making it the top pick for overall value in Joliet.

Overall Best Car Insurance in Joliet

MoneyGeek found that American Family is the best car insurance option in Joliet. It ensures customers have outstanding service and policies tailored to meet their needs. These are the top providers:

  • American Family: MoneyGeek score of 85 out of 100 ($848 per year)
  • Westfield: MoneyGeek score of 84 out of 100 ($1,095 per year)

American Family's exceptional rating is a combination of the highest satisfaction and the maximum affordability scores, establishing its mark as the leading provider in Joliet. Its well-rounded offer includes a full coverage policy that secures policyholders comprehensively at a competitive annual premium.

Company logo for American Family Insurance
Best OverallAmerican Family Insurance
MoneyGeek Score:
85/ of 100

Overview

American Family's strong affordability and satisfaction scores are the major contributors to its leading MoneyGeek score. This insurer provides the most common car insurance coverages: roadside assistance and rental car and/or travel reimbursement. It also offers accident forgiveness and gap insurance, which enhance its comprehensive protection offerings.

American Family stands out with its rare and widely applicable coverages, particularly its original equipment manufacturer (OEM) coverage. This ensures that in the event of a repair, your vehicle will receive original manufacturer parts, maintaining its integrity and value. Auto death indemnity coverage offers beneficiaries essential financial security following a tragic accident. American Family delivers top-tier protection and peace of mind to its customers, as shown by its solid scores.

Best Car Insurance in Joliet for Customer Service

MoneyGeek found that Westfield is the best option in Joliet for car insurance in terms of customer service. This ranking is attributed to the company's remarkable performance in general satisfaction, claims handling and available coverages without considering rates.

  • Westfield: MoneyGeek score of 82 out of 100 ($1,095 per year)
  • American Family: MoneyGeek score of 80 out of 100 ($848 per year)

Westfield distinguishes itself in Joliet's competitive insurance market primarily due to its superior general satisfaction rate and claims handling process. These key factors contributed significantly to its leading MoneyGeek score, confirming its status as the top provider of consumer-oriented car insurance services.

Company logo for Westfield
Best for Customer ServiceWestfield
MoneyGeek Score:
82/ of 100

Overview

Westfield's perfect satisfaction score contributes to its high MoneyGeek score. It offers rental car and/or travel reimbursement and roadside assistance. It also provides gap insurance, a valuable option that protects against owing more than the car's value if it's totaled. Westfield's coverage package promotes savings and convenience by bundling home and auto insurance. These offerings provide tangible benefits to customers seeking comprehensive financial protection and multi-policy discounts. Westfield's customer satisfaction tops the charts, demonstrating its commitment to serving its policyholders well.

Best Cheap Car Insurance in Joliet

MoneyGeek found that Mercury is the best option in Joliet for those seeking affordable car insurance that doesn't compromise on quality.

  • Mercury: MoneyGeek score of 80 out of 100 ($326 per year)
  • Westfield: MoneyGeek score of 80 out of 100 ($469 per year)

Mercury leads with a score demonstrating exceptional value, especially for drivers needing minimum coverage policies. Its top score in Joliet is influenced by its affordability, customer satisfaction and claims processing ratings. This combination positions Mercury at the forefront for consumers focused on cost and quality assurance in their car insurance choice.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
80/ of 100

Overview

Mercury excels in affordability and customer satisfaction, which are the main contributors to its impressive MoneyGeek score. With an average annual premium of about $327, the cost for minimum coverage translates to less than a dollar a day for the average driver. Mercury offers various discounts, like the anti-theft system discount for drivers who have installed protective devices and the automatic payment discount that encourages timely and efficient bill management.

Mercury's discounts include the most common discounts for bundling, insuring multiple cars, going paperless, having a safe driving history and being a driver with good driving habits. Its pay in full discount is another advantageous option, offering significant savings to those who can afford to manage their premium payments upfront. Mercury's strong scores reinforce the company's position as an attractive choice for drivers prioritizing cost-effectiveness, reliable service and comprehensive coverage.

Average Cost of Car Insurance in Joliet

Car insurance in Joliet, Illinois, costs an average of $1,126 per year, which is $27 less than the state average of $1,153. Illinois’s average cost is cheaper by $628 than the national average of $1,781.

Location plays a significant role in determining car insurance rates due to factors such as traffic density, crime rates and the likelihood of accidents. For instance, Chicago, Illinois, has the highest premium at $1,442, which is $289 more than the state average. On the other hand, Springfield has the most affordable premium at $989, showing a decrease of $164 from Illinois' average car insurance cost. Car insurance rates may drop even further in less urbanized areas with lower levels of traffic density, highlighting the significant impact location has on insurance costs.

AuroraAnnual Premium$1,037
ChicagoAnnual Premium$1,442
ElginAnnual Premium$1,056
JolietAnnual Premium$1,126
NapervilleAnnual Premium$1,009
PeoriaAnnual Premium$993
RockfordAnnual Premium$1,045
SpringfieldAnnual Premium$989

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.