Cheapest car insurance companies in Joliet
Automobile Club MI (AAA) and Travelers offer the cheapest car insurance rates in Joliet for 2023, according to a study by Insurance.com.
Automobile Club MI (AAA) is the cheapest option for most Joliet drivers, with an average annual rate of $1,082 .
In Joliet, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average 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
Erie Insurance is the cheapest option for car insurance in Joliet for teen drivers, with average annual premiums at just $3,007 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.
When compared to other car insurance companies, Automobile Club MI (AAA) turned out to be the cheapest car insurance company for young drivers in Joliet, offering full coverage at an annual average cost of $1,895.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Joliet is Automobile Club MI (AAA). Its average rate for a full coverage car insurance policy is $1,092 per year.
Automobile Club MI (AAA) tops the list in terms of affordability for senior drivers in Joliet. With an average annual premium of $1,124, Automobile Club MI (AAA) offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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
When determining car insurance rates in Joliet, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
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.
In Joliet, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: Nationwide
- Cheapest for accident: Nationwide
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Joliet drivers is $1,298.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average 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 |
Cheapest for drivers with a speeding ticket: Nationwide
Nationwide offers the cheapest auto insurance rates for drivers with a speeding ticket in Joliet. It provides full coverage car insurance for drivers aged 30 at about $1,300 per year.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average 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 |
Cheapest auto insurance after an at-fault accident: Nationwide
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.
| Company | Average 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 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Joliet for drivers with a DUI, with an average annual premium of $1,525.
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.
| Company | Average 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
In Joliet, the annual cost of car insurance for the coverage level of 100/300/100 is $1,574 or around $131 per month. However, the average yearly rate for state minimum coverage in Joliet is $503.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State 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.
Compare auto insurance rates by city in Illinois
Helpful auto insurance tools and calculators
