Cheapest car insurance companies in Joliet 

Automobile Club MI (AAA) and Travelers have the cheapest car insurance premiums for Joliet drivers in 2023, based on a data study by Insurance.com. 

Automobile Club MI (AAA) has the cheapest car insurance rates in Joliet at an average cost of $1,082 per year.

When it comes to car insurance costs in Joliet, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy. 

CompaniesAverage annual rates
Automobile Club MI (AAA)$1,082
Travelers$1,184
Geico$1,257
Auto-Owners$1,337
Erie Insurance$1,390
Progressive$1,484
Country Financial$1,501
USAA$1,723
State Farm$1,901
Allstate$2,885

Cheapest car insurance cost in Joliet by Age Group 

The cheapest auto insurance company in Joliet for teen drivers is Erie Insurance. For full coverage, its average annual rate for Joliet drivers is $3,007. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

Among the carriers analyzed, Automobile Club MI (AAA) is the cheapest car insurance option for drivers in Joliet, at $1,895 a year for a full coverage policy.

As Joliet drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Automobile Club MI (AAA) stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,092

With an average annual premium of $1,124, Automobile Club MI (AAA) offers Joliet's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel. 

CompanyTeensYoung AdultsAdultsSeniors
Erie Insurance$3,007$2,265$1,408$1,485
Auto-Owners$3,703$2,306$1,356$1,409
Country Financial$3,842$2,292$1,537$1,467
Automobile Club MI (AAA)$4,143$1,895$1,092$1,124
Geico$5,076$2,124$1,307$1,155
Travelers$5,100$1,939$1,215$1,270
Progressive$5,131$2,506$1,510$1,546
State Farm$5,827$3,258$1,921$1,880
USAA$6,875$3,034$1,766$1,704
Allstate$9,097$4,482$2,916$3,041

Cheapest car insurance companies in Joliet by driver profile 

Your driving profile plays an important role in determining your car insurance rates in Joliet. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

When it comes to finding the cheapest car insurance rates in Joliet, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

Below are some of the cheapest car insurance companies in Joliet by driver profile.

The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Joliet drivers at about $1,298 per year

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Nationwide$1,298
Geico$1,800
Travelers$1,803
USAA$2,183
Farmers$2,803
Progressive$2,871
State Farm$3,020
Allstate$3,652

Nationwide offers the cheapest auto insurance rates for drivers with a speeding ticket in Joliet. It offers full coverage car insurance for drivers aged 30 at about $1,300 per year

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
Nationwide$1,300
State Farm$1,525
Geico$1,582
Travelers$1,676
USAA$1,754
Progressive$2,178
Farmers$2,450
Allstate$3,410

If you've had an accident, Nationwide might be your best bet for affordable auto insurance.

For Joliet drivers with an at-fault accident, Nationwide offers the cheapest average annual rate at $1,622. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

CompanyAverage annual rates
Nationwide$1,622
State Farm$1,659
Geico$1,747
Travelers$1,764
USAA$2,274
Progressive$2,633
Farmers$2,935
Allstate$5,157

Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Joliet. On average, its annual full coverage rate is $1,525, making it a significantly cheaper option than other insurance providers.

A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums. 

CompanyAverage annual rates
State Farm$1,525
Travelers$2,192
Nationwide$2,327
Geico$2,379
Progressive$2,385
Farmers$3,006
USAA$3,125
Allstate$4,732

Average car insurance cost in Joliet 

The average car insurance rate in Joliet for full coverage is $1,574 per year or $131 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Joliet is $503 per year. 

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState minimum average
$1,574$503

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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