bestauto insuranceJolietCompare the Cheapest Car Insurance Quotes in Joliet, IL
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In Joliet, Mercury is the cheapest auto insurance overall. Mercury and GEICO are comparable for most affordable state minimum coverage policy. Drivers with a speeding ticket can look at Erie for the most affordable rates. Drivers with severe driving violations like a DUI should consider State Farm.
USAA is the recommended provider for military families. Erie is the best company for those seeking quality and affordability.
bestauto insuranceJolietThe Cheapest and Best Car Insurance in Joliet
The Cheapest Car Insurance Companies in Joliet
The companies that provide the cheapest full coverage car insurance in Joliet are the following:
- Mercury: $655 per year
- GEICO: $663 per year
At an annual average of $1,338, MetLife’s full coverage policy is the most expensive in the city and over twice as much as Mercury’s rate. A full coverage policy includes comprehensive and collision insurance aside from the minimum liability coverage.
Cheapest Car Insurance in Joliet
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$655
- 2.$663
- 3.$709
- 4.$734
- 5.$737
Per our methodology, MoneyGeek gathered rates for a 40-year-old male driver with a full coverage policy and a clean driving record.
A full coverage policy combines the minimum liability coverage with comprehensive and collision insurance. At a higher premium, it provides more protection in the event of an accident.
- Comprehensive insurance: pays for the repair or replacement of the vehicle after a non-accident incident, such as vandalism, theft, animal damage or weather-related occurrence
- Collision insurance: pays for the repair or replacement of the vehicle after an at-fault accident
If you have an older car, the cost of your premium may exceed the value of your vehicle. In this case, consider state minimum coverage or a liability-only policy with higher coverage.
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Cheapest Car Insurance in Joliet for Minimum Coverage
A minimum coverage policy is the cheapest car insurance in Joliet. Below are the companies offering the most affordable state minimum policies:
- Mercury: $337 per year
- GEICO: $337 per year
On average, GEICO and Mercury offer the same premium for a minimum coverage policy. Erie is the next cheapest provider at $341 per year. MetLife’s minimum coverage policy is the most expensive in the city, averaging $873 per year.
Having a state minimum policy means not having comprehensive and collision insurance. Drivers with minimum coverage risk high out-of-pocket costs in the event of an accident. A higher level of liability coverage guarantees far better protection. Toggle the table below to see how prices can change depending on liability coverage level.
Cheapest Minimum Liability Car Insurance in Joliet
State Minimum
- CompanyState Minimumper year
- 1.$337
- 2.$337
- 3.$341
- 4.$344
- 5.$365
The cheapest insurance you can buy in Joliet is a state minimum policy, but it comes with a few trade-offs. You are insured with the least amount of coverage as it only meets Illinois’ minimum car insurance requirements. It can help you save on monthly expenses, but it may end up costing you more later. For example, if an at-fault accident causes $60,000 in medical bills, insurance will cover $50,000. The remaining $10,00 will be your responsibility out of pocket.
Illinois Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
Cheapest Car Insurance in Joliet if You Have Driving Violations
Having a bad driving record will influence car insurance premiums. If you are a Joliet driver with driving violations in your history, consider the following companies with the cheapest rates:
- Cheapest after a ticket: Erie at $744 per year
- Cheapest after an at-fault accident: State Farm at $875 per year
- Cheapest after a DUI: State Farm at $805 per year
Joliet drivers can improve their driving records over time to be eligible for lower premiums. In the meantime, save money by shopping around and comparing quotes.
Cheapest Car Insurance in Joliet With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$744
- 2.$803
- 3.$805
- 4.$915
- 5.$918
Average Cost of Car Insurance in Joliet
Joliet$885
Illinois$1,134
U.S.$1,424
In Joliet, the average cost of car insurance is $885 per year, which is lower than the state and national averages. Joliet drivers pay 22% less than other drivers in Illinois and approximately 37% less than other drivers in the United States.
Personalized Quotes to Get You the Cheapest Car Insurance in Joliet
In Joliet, car insurance premiums are calculated based on various factors, such as a driver’s age, gender, vehicle make and model, coverage level and postal code. When comparing quotes from different providers, you can evaluate which one offers the best savings at your elected coverage amount.
Compare Car Insurance Rates in Joliet
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Joliet
MoneyGeek ranked the top-rated car insurance companies in Joliet based on average premiums, customer satisfaction and claims ratings. We found that the best two companies in the city are:
- Erie: MoneyGeek score of 95 out of 100
- State Farm: MoneyGeek score of 93 out of 100
We excluded USAA from our analysis because it’s exclusively for active military members, veterans and their families. USAA received a MoneyGeek score of 90 out of 100, making it the third-best car insurance in Joliet for military personnel.
1
Erie
Score:95
In addition to its perfect customer satisfaction score and excellent scores for stability, claims and affordability, Erie offers better car replacement coverage, which is not often available with other insurers. Erie’s full coverage policy costs roughly $709 per year.
More About Erie
With Erie, you can choose to add better car replacement coverage to your existing policy. As long as you’ve had your car for less than two years, you can replace your vehicle with the newest model if it gets totaled. Erie also provides accident forgiveness, which protects you from increased rates if you’re found at fault in an accident. The only condition is that you must be claims-free with Erie for at least three years.
Read MoneyGeek's Erie auto Insurance Review2
State Farm
Score:93
At 5 out of 5, State Farm received a perfect MoneyGeek score in affordability. It performed well in customer satisfaction, claims and financial stability as well. A full coverage policy for a 40-year-old costs an average of $734 per year. State Farm offers rideshare insurance as an optional coverage, something other insurers do not always provide.
More About State Farm
With State Farm’s rideshare insurance, drivers get emergency roadside assistance, coverage for medical costs and rental car reimbursement. The add-on insurance extends all coverages from your personal auto policy of insurance, even when your app is on and you’re available for hire. Once you match or have a passenger, all coverages, except liability insurance, remain.
Read MoneyGeek's State Farm auto Insurance Review3
GEICO
Score:92
4
Country Financial
Score:90
5
Nationwide
Score:76
6
Mercury
Score:76
7
Travelers
Score:63
8
Progressive
Score:59
9
American Family
Score:57
10
Allstate
Score:55
11
Farmers
Score:50
12
AAA
Score:40
13
MetLife
Score:25
Average Cost of Car Insurance by Postal Code
Insurance providers consider your postal code when calculating premiums. Some neighborhoods have a higher rate of theft, number of accidents and probability of natural disasters. These statistics influence premiums in the city of Joliet.
MoneyGeek’s data shows that the average cost of car insurance for drivers living in ZIP code 60431 is $881 per year. In comparison, the average cost of car insurance for drivers living in ZIP code 60435 is $8 higher.
- Zip CodeState Minimumper year
- 60431$881
- 60435$889
Factors That Impact Insurance Costs in Joliet
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Joliet. How Joliet ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
