Joliet, IL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Joliet, IL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
The Average Cost of Car Insurance in Joliet, IL, is $1,126
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.
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.
Factors that can influence the cost of car insurance in Joliet, IL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Joliet, IL Auto Insurance Rates
- Joliet, IL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Joliet, IL
- Multi Vehicle Insurance Savings in Joliet, IL
- How Credit Score Affects Car Insurance Rates in Joliet, IL
- How DUI Affects Auto Insurance Premiums in Joliet, IL
- Top Auto Insurance Agents Near Joliet, IL
- How Driving Violations Affect Auto Insurance Rates in Joliet, IL
- Joliet, IL Auto Insurance Discounts on Anti Theft Feature
- Joliet, IL Auto Insurance Company Reviews
Joliet, IL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Joliet, IL with that of other cities in and around Joliet.
| Joliet | Shorewood | Rockdale | Plainfield | Preston Heights | Crystal Lawns | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,126 | $1,301 | $1,582 | $1,070 | $1,200 | $1,312 |
Joliet, IL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Joliet, IL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Joliet | $1,833 | $1,549 |
| Troy | $1,851 | $1,563 |
| Rockdale | $1,054 | $890 |
| Shorewood | $1,141 | $964 |
| Crystal Lawns | $1,071 | $905 |
| Crest Hill | $1,831 | $1,547 |
| Preston Heights | $2,745 | $2,319 |
| Plainfield | $2,069 | $1,748 |
Joliet, IL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Joliet, IL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,654 |
| 20 Years | $1,447 |
| 30 Years | $1,114 |
| 40 Years | $1,072 |
| 50 Years | $993 |
| 60 Years | $1,007 |
| 70 Years | $1,172 |
Joliet, IL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Joliet, IL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,937 | $315 |
| 3 Vehicles | $2,905 | $473 |
| 4 Vehicles | $3,873 | $631 |
Savings on 2 Vehicles bundle:$315
Savings on 3 Vehicles bundle:$473
Savings on 4 Vehicles bundle:$631
Joliet, IL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Joliet, IL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Joliet | $1,126 | $1,828 |
| Troy | $1,062 | $1,724 |
| Rockdale | $1,582 | $2,568 |
| Shorewood | $1,301 | $2,112 |
| Crystal Lawns | $1,312 | $2,130 |
| Crest Hill | $1,607 | $2,609 |
| Preston Heights | $1,200 | $1,948 |
| Plainfield | $1,070 | $1,737 |
Joliet, IL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $966 |
| Excellent (740-799) | $1,103 |
| Good (670-739) | $1,173 |
| Average (580-669) | $1,531 |
| Poor (300-579) | $1,837 |
Joliet, IL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Claudia Gamache | Allstate | 16614 W 159th St Ste 302, Lockport, 60441 | (815) 834-2700 |
| Daniel Grosse | Farmers | 9641 W 153rd St Ste 46, Orland Park, 60462 | (815) 630-9535 |
| John Devae | State Farm | 612 Executive Dr, Willowbrook, 60527-5610 | 630-581-5255 |
| Maria Capetillo | State Farm | 452 N Weber Rd Ste A, Romeoville, 60446-5358 | 815-407-0954 |
| Southwest Insurance Center | Erie | 24014 W Renwick Rd, Plainfield, 60544 | None |
| Michael Mike Semyck | Farmers | 8117 S Lemont Rd Ste 3, Darien, 60561 | (630) 427-1590 |
| The Mc Cutcheon Ins Agency | Liberty Mutual Independent | 19906 WOLF RD, MOKENA, 60448 | 708-479-3400 |
| Illinois Securities Co | None | 327 Republic Ave, Joliet, 60435 | None |
| Linda Mitchell | State Farm | 106 N Halsted St, Chicago, 60661-1015 | 312-243-7900 |
| Ditardi & Associates Insurance Agency | None | 5621 N Milwaukee Ave, Chicago, 60646 | None |
| Olsick & Company Insurance | Liberty Mutual Independent | 50 W 75H Street, Willowbrook, 60527 | None |
Joliet, IL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$50 | $1,176 |
| Driver's Failure In Showing Documents | +$109 | $1,235 |
| Driving With An Expired Registration | +$116 | $1,242 |
| Driving At A Considerably Slow Pace | +$244 | $1,370 |
| Using A Cellphone While Driving | +$258 | $1,384 |
| Running A Red Light | +$262 | $1,388 |
| Speeding | +$276 | $1,402 |
| Driving A Vehicle Without The Required Permission | +$350 | $1,476 |
| Driving With An Expired/Suspended License | +$759 | $1,885 |
Joliet, IL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,081 |
| Active Disabling Device | $1,081 |
| Tracking Device | $1,058 |
| Passive Disabling Device | $1,047 |
Latest Auto Insurance Reviews in Joliet, IL | Back to Top
ProgressiveThe offerings are really expensive which forces me to not have some offerings included in my policy. This makes it a little difficult to feel truly financially secure
AllstateThe premiums are about average and the deductibles are good compared against other companies. I buy based upon reputation of the company and this company is a rock.
Allstatei recommend to other to buy the new car the clear cover car insurance company will give the best plan and offer to us . so easily we take the insurance of our car.
AllstateMY COMPANY IS BETTER THAN OTHER COMPANY BECAUSE COMPANY GIVE SO MANY FAVOURS FOR US.SO ALL THE WORKERS IN OUR COMPANY LOVE COMPANY.
MercuryExcellent customer service. Have had several incidents over past few decades and have had zero issue with customer service.
TravelersWe have our car insurance and home insurance through the same company so they are very personable as described above. They have been willing to make modifications to our coverage whenever we asked.
TravelersWe have our car insurance and home insurance through the same company so they are very personable as described above. They have been willing to make modifications to our coverage whenever we asked.
Mercurywhat I do not like is that they should be more attentive with customers
AllstateI love the company friendly people who are always available to talk to me and always looking for cheaper options for me
Aarp Auto InsuranceI like the way my insurance company treats me and the loyalty program that they have for clients that have a long time with them. Then offer me discounts and always are searching for ways to help me save money on my policy.
State FarmEvery time I've had to have nay interaction with them, it was prompt friendly service. It always ended with an acceptable outcome as well. I do not have any real complaints about them.
Pekin InsuranceMy offerings are pretty standard for this type of insurance.