Cheapest and Best Car Insurance Companies in Joliet, IL

Joliet drivers may find the lowest car insurance for full and minimum coverage with Country Financial, and it’s the cheapest for military background drivers and those with an at-fault accident or a DUI. Auto-Owners Insurance Co is ideal for drivers with a speeding ticket, while Progressive is preferable for teens on a family policy.

For blending affordability and service quality, Country Financial is MoneyGeek’s top car insurance pick. Erie is the best company for service.

Based on our analysis, on average, minimum coverage car insurance in Joliet is the cheapest from the following auto insurers:

• Country Financial: $275 per year
• Mercury: $282 per year

The most expensive company for a minimum coverage policy is Allstate, costing around $582 per year. Overall, Mercury offers the cheapest car insurance in Illinois for a minimum coverage policy at roughly $241 per year, indicating that location is a factor that affects car insurance rates.

In Illinois, minimum coverage car insurance includes bodily injury liability, property damage liability and uninsured motorist bodily injury with the following amounts:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability 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

Liability coverage only pays for the cost of damages to the other vehicle, driver and their passengers in an accident. That means if you have $25,000 in bodily injury liability per person and $50,000 per accident, your insurer will cover $25,000 in damages for each individual, up to $50,000 per accident in the event you are at fault. If the cost exceeds that amount, you must pay it.

On average, the most affordable car insurance providers in Joliet for full coverage are:

• Country Financial: $637 per year
• Auto-Owners Insurance Co: $744 per year

Hanover has the highest rate for a full coverage policy at around $1,362 per year. Meanwhile, American Family offers the cheapest full coverage car insurance in Illinois at $696 per year. Your location often affects how much you pay for car insurance.

Having full coverage means adding comprehensive and collision insurance to your auto insurance policy.

• Collision Insurance: It covers the cost to repair or replace your vehicle if it gets damaged due to colliding with an object or another vehicle.
• Comprehensive Insurance: It covers the cost to repair or replace your vehicle if it gets damaged due to a non-accident incident such as fire, weather-related events, vandalism or theft.

Although a full coverage policy provides the ultimate financial protection in an accident, paying hundreds more per year for additional coverage may not be worth it if your car is older or has a low value.

In Joliet, on average, the cheapest car insurance for full coverage with a driving violation is from the following:

• Speeding ticket: Auto-Owners Insurance Co ($832 per year)
• At-fault accident: Country Financial ($957 per year)
• DUI: Country Financial ($991 per year)

Expect the highest average annual rate from Grange Insurance ($1,742), Hanover ($2,133) and GEICO ($2,317) after a speeding ticket, an at-fault accident or a DUI, respectively. A driving offense can increase your premium, so the cheapest rate may still be higher than for a driver with a clean record.

Car insurance may increase depending on the severity of the infraction. In Joliet, drivers with a DUI may spend roughly $403 more for car insurance than those with a speeding ticket. Shopping for the cheapest car insurance with a bad driving record may help you save money.

For 16-year-old teens on a family policy, on average, the least expensive full coverage policy in Joliet is offered by the following auto insurers:

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

GEICO is the most expensive company, where families may spend around $2,673 or $2,920 per year to add a female or male teen, respectively. Rates tend to be higher for male teens because they are considered riskier than female teens. With age, the cost difference diminishes.

It’s much more expensive for teen drivers to buy auto insurance for themselves than to be on a family policy. For instance, a male teen in Joliet buying a full coverage policy may pay roughly $2,567 more than the family policy. By finding the cheapest car insurance for teens, you can potentially save thousands of dollars a year.

Joliet drivers with a military background may find the average cheapest rate for full coverage from these auto insurance companies:

• Country Financial: $637 per year
• Auto-Owners Insurance Co: $744 per year

At approximately $902 per year, USAA may also be a good option for car insurance since it tailors its policies to military members and veterans.

If you opt for minimum coverage, Country Financial remains the cheapest car insurance company for military families at around $275 per year, while Mercury becomes the second-cheapest option at roughly $282 per year.

Comparing Joliet car insurance quotes online can be tedious and time-consuming. You have to submit lots of personal information, and it can take 15 minutes or more to get a quote from a single company.

To ease this process, MoneyGeek provides a car insurance calculator that can give you a rough estimate of your premium with different insurers based on your age, coverage level, vehicle type and driving record.

The best car insurance for you depends on how you prioritize affordability, service quality, coverage and other factors. Our analysis found that the following companies in Joliet are the best options for different needs:

• Best overall: Country Financial (MoneyGeek score of 81 out of 100)
• Best for service: Erie (MoneyGeek score of 70 out of 100)
• Best cheap: Country Financial (MoneyGeek score of 82 out of 100)

A company’s overall MoneyGeek score may change based on how factors are weighted in each category. That was the case for Country Financial, which is the winner for the best overall and best cheap car insurance in Joliet, but Erie has the overall best auto insurance in Illinois.

Overall, the best car insurance companies in Joliet that balance affordability and service quality are:

• Country Financial: MoneyGeek score of 81 out of 100 ($637 per year)
• Auto-Owners Insurance Co: MoneyGeek score of 77 out of 100 ($744 per year)

Country Financial bested 13 insurers for combining the most affordable full coverage policy with excellent customer service.

Without considering cost in our analysis, the best car insurance companies in Joliet for customer service are:

• Erie: MoneyGeek score of 70 out of 100 ($793 per year)
• Westfield: MoneyGeek score of 68 out of 100 ($864 per year)

Erie’s strongest areas are customer satisfaction and claims management. With an average annual premium of $793, it’s also the third cheapest option, indicating that you don’t have to pay a high price for good service with this company.

For a policy that only meets the minimum car insurance requirement in Illinois, the following companies in Joliet offer the best blend of affordability and service quality:

• Country Financial: MoneyGeek score of 82 out of 100 ($275 per year)
• Auto-Owners Insurance Co: MoneyGeek score of 74 out of 100 ($356 per year)

Minimum coverage policies may have the lowest rates, but they offer the least amount of protection against liability costs. They also don't cover the cost of damages to your vehicle in an at-fault accident.

In Joliet, the average cost of car insurance is $886 per year, which is around $8 cheaper than the average cost of car insurance in Illinois and roughly $379 less than the national average of $1,265 per year. These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Car insurance rates in Joliet are cheaper than the Illinois and national averages, meaning where you live significantly affects how much you pay for coverage.