Joliet Car Insurance

Your Guide to Joliet, IL Car Insurance

Find the right car insurance policy for you.

The 4th most populated city in Illinois, Joliet is one of the fastest-growing cities in the Chicago metropolitan area. As a resident of this city, you most likely drive to multiple destinations daily, whether it’s work, school or to one of the city’s nightlife venues. Coverage that protects your vehicle and finances is a vital part of living in the “City of Steel.”

By law, you are required to have Joliet, IL car insurance. The type and amount that is right for you depend on a number of factors, such as whether you have a teenage driver in your household and how much liability coverage you want as financial protection. An Independent Insurance Agent can help you choose the insurance that is right for you. Contact a local agent today for Joliet auto insurance quotes and assistance making this important decision. 

When you first start your search for car insurance, it can be helpful to get a look at the larger picture. How much does the average person pay in your state? In the country? Here are a few data points to give you some idea:

  • National average cost per year: $1,311
  • Illinois average cost per year: $1,079
  • 39th most expensive premiums in the US

Illinois premium costs run considerably below the national average, but keep in mind that this is just an estimate of your actual costs. When preparing quotes, insurance companies will consider factors such as your age and driving record and the make, model and year of your car, along with other information that's unique to you.

Joliet, Illinois Car Insurance Requirements

Seasoned Illinois residents and newcomers to the state will need to have a clear understanding of state requirements. At a minimum, Illinois drivers are required to have bodily injury, uninsured motorist coverage, and property damage. In a city with an area of 62.77 square miles, you're likely to cover some ground when traveling to work and entertainment destinations, so be sure to consider your day-to-day risks when choosing your coverage. Here are the Joliet car insurance requirements mandated by Illinois law:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: required
  • Minimum liability limits: 25/50/20
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $20,000 coverage for property damage

Are There Penalties for Not Having Enough Insurance?

The penalties for driving without insurance in the state of Illinois are steep. Uninsured drivers face fines and the possibility of license suspension. And yet many still drive without Joliet car insurance, putting themselves and others at risk. Your best protection is uninsured and underinsured motorist coverage, which will help to pay your costs if you are in a collision caused by a driver who is not sufficiently covered.

It might be helpful for you to think about the big picture again. Here are some facts that will help you understand how many uninsured drivers are on the roads today, and how much you could pay out of pocket if you caused an accident and didn’t have enough insurance to cover damages:

  • National uninsured motorists: 12.6%
  • Illinois uninsured motorists: 13.3%
  • Illinois average vehicle repair cost: $2,449

Car Theft in Joliet, Illinois

  • National vehicle theft rate (per 1,000 registered vehicles): 2.94
  • Illinois vehicle theft rate (per 1,000 registered vehicles): 2.63

The number of vehicle thefts has been decreasing all over the United States, including Illinois, over the past 10 years. Some experts attribute this trend to standardized anti-theft devices and public awareness, but vehicle thefts still occur. Fortunately, good comprehensive coverage can help if you are a victim of auto theft.

How to Compare Joliet Auto Insurance Quotes

Your coverage needs are unique. How do you find the specific coverage you need at a price you can afford? One of the best ways is to start by comparing several different quotes, side-by-side. A local agent can help you do so, providing quotes from multiple insurance companies. 

Contact a local agent in Joliet today, and get started finding affordable insurance tailored to you.

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