Joliet, IL Car Insurance

The typical driver pays $99 per month for car insurance in Joliet. If you're paying too much, compare rates and save.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Auto insurance rates in Joliet, Illinois

Auto insurance premiums in Joliet are costlier than average. Drivers in Joliet pay 7% more than the statewide average in Illinois.

Reviewing some tips about how to save on Joliet car insurance can help you save some hard-earned money.

  • City Average: $1,197
  • State Average: $1,120
  • National Average: $1,548

 

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 rates by age

Teenage drivers have the highest premiums of any drivers, 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 rates after an accident or violation

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 2.3 times 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

Compare car insurance rates today.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.
Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.