Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Joliet, IL for senior drivers are $1,927/year
  • Average car insurance rates in Joliet, IL are $288/month
  • The cheapest car insurance company in Joliet after a DUI is Liberty Mutual

Average car insurance rates in Joliet, Illinois are $288 a month. But with a little research you can get a great deal from the top car insurance companies in Joliet, IL. Before you buy Joliet, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Joliet car insurance rates with Cicero car insurance rates, Chicago car insurance rates, or Rockford car insurance rates to make sure you’re getting the best Joliet, IL car insurance quotes available.

Need affordable Joliet, IL car insurance? Enter your ZIP code to compare Joliet car insurance quotes from multiple car insurance companies near you.

Joliet, IL Minimum Car Insurance Coverage

Joliet, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Joliet, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Joliet, IL Car Insurance Rates by Coverage Level

Some Joliet drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your Joliet, Illinois car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Joliet, Illinois

Insurance Company Low Medium High
Allstate $5,190 $5,355 $5,537
American Family $3,629 $3,927 $3,808
Farmers $4,784 $4,920 $5,450
GEICO $2,904 $3,220 $3,559
Liberty Mutual $2,276 $2,411 $2,560
Nationwide $2,403 $2,456 $2,445
Progressive $3,633 $3,975 $4,368
State Farm $2,641 $2,828 $3,001
Travelers $2,509 $2,685 $2,872
USAA $2,615 $2,804 $2,998

Joliet, IL Car Insurance Rates by Age, Gender, and Marital Status

Joliet, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Joliet, IL car insurance, get quotes from multiple car insurance companies in the Joliet area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Joliet, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,390 $3,405 $3,555 $3,555 $8,913 $11,584 $4,078 $4,408
American Family $2,331 $2,331 $2,141 $2,141 $6,733 $9,279 $2,331 $3,015
Farmers $2,639 $2,638 $2,332 $2,475 $11,824 $12,341 $3,018 $3,143
GEICO $1,870 $1,929 $1,837 $2,070 $6,758 $6,975 $2,155 $2,227
Liberty Mutual $1,435 $1,545 $1,185 $1,325 $5,093 $5,666 $1,500 $1,578
Nationwide $1,562 $1,583 $1,400 $1,473 $4,261 $5,425 $1,817 $1,957
Progressive $2,254 $2,108 $1,862 $1,958 $8,567 $9,603 $2,682 $2,903
State Farm $1,672 $1,672 $1,517 $1,517 $5,361 $6,763 $1,897 $2,189
Travelers $1,647 $1,735 $1,525 $1,624 $5,031 $6,373 $1,742 $1,833
USAA $1,654 $1,670 $1,539 $1,501 $5,496 $6,038 $2,175 $2,370

Joliet, IL Car Insurance Rates for Teens

How much is Joliet, Illinois car insurance for teens? Compare rates from top Joliet car insurance companies below to help find the cheapest teen car insurance in Joliet, IL.

Annual Car Insurance Rates for Teen Drivers in Joliet, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,913 $11,584
American Family $6,733 $9,279
Farmers $11,824 $12,341
GEICO $6,758 $6,975
Liberty Mutual $5,093 $5,666
Nationwide $4,261 $5,425
Progressive $8,567 $9,603
State Farm $5,361 $6,763
Travelers $5,031 $6,373
USAA $5,496 $6,038

Joliet, IL Car Insurance Rates for Seniors

Before seniors buy Joliet, Illinois car insurance, they should make sure to shop around. Some Joliet, IL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Joliet, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,555 $3,555
American Family $2,141 $2,141
Farmers $2,332 $2,475
GEICO $1,837 $2,070
Liberty Mutual $1,185 $1,325
Nationwide $1,400 $1,473
Progressive $1,862 $1,958
State Farm $1,517 $1,517
Travelers $1,525 $1,624
USAA $1,539 $1,501

Joliet, IL Car Insurance Rates by Credit History

How does your credit history affect Joliet, IL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Joliet, Illinois

Insurance Company Poor Fair Good
Allstate $6,821 $4,938 $4,324
American Family $5,023 $3,433 $2,908
Farmers $5,722 $4,835 $4,598
GEICO $5,197 $2,525 $1,962
Liberty Mutual $3,412 $2,139 $1,697
Nationwide $2,897 $2,350 $2,057
Progressive $4,535 $3,863 $3,579
State Farm $4,103 $2,459 $1,909
Travelers $3,265 $2,655 $2,146
USAA $3,726 $2,569 $2,121

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Joliet, IL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Joliet, Illinois car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Joliet.

Annual Joliet, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,787 $6,542 $6,089 $5,025
American Family $2,784 $3,953 $5,257 $3,157
Farmers $4,260 $5,510 $5,372 $5,063
GEICO $2,165 $3,463 $4,737 $2,545
Liberty Mutual $2,005 $2,869 $2,510 $2,281
Nationwide $1,980 $2,536 $2,963 $2,260
Progressive $3,276 $4,915 $3,636 $4,142
State Farm $2,559 $3,088 $2,823 $2,823
Travelers $2,131 $2,809 $3,137 $2,678
USAA $1,991 $2,882 $3,944 $2,406

Joliet, IL Car Insurance Rates With a DUI

Even a single DUI can increase your Joliet, IL car insurance rates. Compare rates below to see which Joliet car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Joliet, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,089
American Family $5,257
Farmers $5,372
GEICO $4,737
Liberty Mutual $2,510
Nationwide $2,963
Progressive $3,636
State Farm $2,823
Travelers $3,137
USAA $3,944

Joliet, IL Car Insurance Rates by ZIP Code

Just like Joliet car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Joliet, IL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Joliet, Illinois

ZIP Code Average Annual Rates
60432 $3,525
60433 $3,641
60435 $3,434
60436 $3,494
60451 $3,263

Joliet, IL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Joliet, IL car insurance rates may be. Let’s take a look at average car insurance rates from top Joliet companies based on commute time.

Annual Car Insurance Rates by Commute Length in Joliet, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,361 $5,361
American Family $3,740 $3,836
Farmers $5,051 $5,051
GEICO $3,172 $3,283
Liberty Mutual $2,416 $2,416
Nationwide $2,435 $2,435
Progressive $3,992 $3,992
State Farm $2,752 $2,895
Travelers $2,583 $2,795
USAA $2,727 $2,884

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Joliet, IL Cheapest Car Insurance Rates

How do the top Joliet, Illinois car insurance companies’ average rates stack up against the Joliet average monthly car insurance rates of $288? Take a look and see.

Best Annual Car Insurance Rates by Company in Joliet, Illinois

Category Insurance Company
Teenagers Nationwide
Seniors Liberty Mutual
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation Nationwide

Joliet, IL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Joliet, Illinois car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Joliet, Illinois

Insurance Company Average Annual Rates
Allstate $5,361
American Family $3,788
Farmers $5,051
GEICO $3,228
Liberty Mutual $2,416
Nationwide $2,435
Progressive $3,992
State Farm $2,823
Travelers $2,689
USAA $2,806

Other Factors Affecting Joliet, IL Car Insurance Rates

Before you buy Joliet, Illinois car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Joliet, IL Commute Time

How does your Joliet, IL commute time compare with the average driver? In Joliet, the average commute is 30.7 minutes.

Joliet, IL Traffic

Spending time in Joliet traffic can lead to higher car insurance rates. According to INRIX data, Joliet, IL ranks as the 705th-most congested with traffic in the world.

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Joliet, IL Car Insurance Quotes

Compare Joliet, IL car insurance quotes from multiple companies by entering your ZIP code now.