Joliet, IL Car Insurance

Auto Insurance in Joliet, Illinois

In Joliet, it is especially important to save while insuring a vehicle because premiums in Joliet are recognized for being pricey. They generally exceed the state average by 7%. Going over some tips about how to save on Joliet car insurance can save you some hard-earned money.

  • City Average: $1,197
  • State Average: $1,120
  • National Average: $1,427

Joliet Car Insurance by Gender and Marital Status

Both marital status and gender are important considerations in determining the price of car insurance in Joliet. Rates for those who are widowed are a hair cheaper than rates for those who are single. Being single can cost you roughly 7% more per year compared to being married. On average, females have premiums that are cheaper than those for males, but only by a small margin.

  • Female: $1,193
  • Male: $1,197
  • Single: $1,197
  • Married: $1,114
  • Divorced: $1,197
  • Widowed: $1,195

Joliet Car Insurance by Age

Teenage drivers have the largest premiums amongst all the age groups, with typical car insurance payments of $4,823. The greatest dip in premiums for Joliet drivers happens when they hit their 20s. Once out of the teenage age bracket, individuals save, on average, 65% annually. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. When you look across all age groups, drivers in their 50s tend to have the smallest rates. Their rates normally average $1,031/year.

  • Teenagers: $4,823
  • 20s: $1,706
  • 30s: $1,174
  • 40s: $1,145
  • 50s: $1,031
  • 60s: $1,100
  • 70s: $1,337

Joliet Car Insurance by Accident or Violation History

Past accidents and violations can cost you in terms of car insurance premiums. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Joliet have rates over double the average for the city of $1,197. Reckless driving will bump your premiums up as well, with average rates of $2,729, which are 128% higher than the city average! No one plans on being in an accident, but stuff happens, so be aware of what can happen to your rates following one. For those in Joliet with at-fault accidents, $617 is the increase that can be expected to annual insurance premiums.

  • DUI: $2,589
  • Reckless Driving: $2,729
  • At-fault Accident (damages less than $1000): $1,814
  • At-fault Accident (damages greater than $2000): $1,814
  • Speeding Ticket (16-20 mph over speed limit): $1,437

Joliet Car Insurance by Credit Rating

People with Very Poor credit (300-579) usually pay 2.3x more each year for car insurance than those with Exceptional credit (800-850). The most significant benefit of better credit comes from upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $410 per year.

  • Very Poor: $2,404
  • Fair: $1,960
  • Good: $1,550
  • Very Good: $1,260
  • Exceptional: $1,058

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including