Auto Insurance in Joliet, IL

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Driving in Joliet, Illinois, (IL) 

The Chicago suburb of Joliet, Illinois, (IL) boasts a population of approximately 148,000. With a driving distance to the city of only 45 miles, many Joliet residents work in Chicago. Most people drive alone to work with an average commute time of nearly 30 minutes, above the nationwide average of 26 minutes. The average household in Joliet owns two vehicles, underscoring the importance of personal driving to residents of the town. At VIU by HUB, we understand the importance of obtaining quality insurance to cover these vehicles that are important to maintaining residents' lifestyles in Joliet, IL.

Why You Need Car Insurance in Joliet, IL

Finding the right car insurance for your needs will bring you peace of mind and contribute to safeguarding yourself and your family. It's also a legal requirement in the state of Illinois. All drivers are required by law to carry liability coverage, including uninsured motorist coverage for injury or death. While Illinois law does not require collision, comprehensive, medical payments or uninsured property damage coverage, the state does strongly enforce liability policies for all drivers. Beginning in July 2021, the state of Illinois implemented computer checks for liability insurance compliance for all drivers with the following requirements:

  • Liability insurance coverage minimum limits include
    • $25,000 for single personal injury or death
    • $50,000 for multiple personal injuries or death
    • $20,000 for property damage
  • Checks are conducted twice a year
  • A warning letter is issued regarding license suspension if proper insurance is not obtained
  • A $100 fine is imposed to reinstate suspended plates
  • A $500 fine is imposed for lack of insurance in traffic stops or accidents
  • A $1000 fine is imposed for driving with suspended plates

What Factors Influence Car Insurance Premiums

We at VIU by HUB are well-versed in the insurance industry and trends in the Illinois area and would be happy to assist you in finding the best car insurance in Joliet, IL. To help you understand how your premiums are calculated, here are some of the factors that determine the prices of automobile insurance.

  • Coverage type: liability-only policies typically cost less than full coverage policies due to the larger net of protection included in full-coverage auto insurance.
  • Credit history: insurance companies in Illinois may assess your risk using credit-based insurance scores, including credit history length, credit mix, outstanding debt, payment history, and pursuit of additional credit. However, changes to your credit rating are not used to increase your premiums after your initial risk assessment.
  • Deductibles: if you can cover a higher payout following an accident, you can choose a higher deductible structure, which will lower your overall premiums.
  • Driving record: if you have incurred a high number of driving violations, the premiums for your car insurance in Joliet, IL will usually be higher.
  • Hometown: data from your place of residence is factored in your insurance premiums, including crime rates and population density statistics, which can drive up the cost.
  • Personal statistics: young, unmarried men are the most expensive demographic to ensure because statistics show they are more likely to have an accident than older, married individuals of either gender.
  • Ratings and features: premiums are generally lower for makes and models with high safety ratings and features like side air bags and anti-lock brakes.
  • Usage: if you routinely travel long distances in your vehicle, your premiums will likely be higher than those who only drive sporadically.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

Auto insurance in Illinois by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.