The Average Cost of Car Insurance in Joliet, IL, is $1,126

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The average cost of auto insurance in Joliet, IL, according to Zimlon, is $1,126. This is much higher than the average cost of auto insurance in neighboring places such as Shorewood, Rockdale, Preston Heights, and Crystal Lawns. Residents of Joliet can improve savings by comparing multiple auto insurance quotes. The cost of auto insurance depends on numerous factors ranging from the make and model of the vehicle to the driver’s age. 

According to the U.S. Census Bureau, Joliet has a population of 147,344, with a median household income of $67,504, and a per capita income of $26,843.

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Demographics:

The cost of auto insurance depends on the age and gender of the driver. Women are generally considered to be safe drivers, making auto insurance cheaper for them. As the above infographic indicates, auto insurance is cheapest for drivers who are in their fifties and sixties ($993 and $1,107). Auto insurance is expensive for teenagers since they lack driving experience. The average cost of auto insurance for teenagers in Joliet is $3,654.

Deductible:

Deductibles are one of the most common factors affecting the cost of auto insurance in the country, and Joliet is no different. A higher deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase. The average cost of auto insurance at a low deductible ($500) is $1,833. This goes down to $1,549 when the deductible is higher ($1,000).

Neighborhood:

The neighborhood one lives in Joliet can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on  several factors such as the make and model of the vehicle and the rate of auto thefts in the neighborhood, the price can vary within a city 

Driving Record:

The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on the cost of auto insurance in Joliet. Post-DUI, the average cost of auto insurance increases to $1,828. 

Credit Score:

A healthy credit score will also determine the cost of one’s auto insurance. Possessing a good credit score will reduce the cost of auto insurance for the car owner. The average cost of auto insurance when the credit score is “excellent”, can be as low as $966.