Get Car Insurance in Joliet, IL

A little outside the city of Chicago is where you’ll find the peaceful town of Joliet. With its proximity to the Chicagoland Speedway racetrack, residents may be well-acquainted with motorsports and driving culture.  

With an emphasis on driving, it’s no wonder that people in Joliet may want to find reliable and affordable car insurance. That’s where Illinois Vehicle Insurance Agency, LLC (Illinois Vehicle) can help. Here, we’ll break down how residents can find car insurance in Joliet and what coverage they may need to stay compliant with state law.  

Get car insurance quotes in Joliet 

If you’re looking for cheap car insurance in Joliet, these steps may help you find an affordable rate for you: 

• Share personal details: An Illinois Vehicle agent may need you to provide personal details like driving history and vehicle information to help you get an accurate quote.  
• Pick your plan: Our team can help you compare quotes and assist you with tailoring a policy that matches your car insurance coverage needs. 
• Get proof: Once you select a policy and issue payment, you typically can get same-day ID cards sent right to your phone or e-mail. 

Car insurance requirements in Joliet  

Drivers are required to carry a minimum amount of auto insurance in Joliet. As of April 2025, your policy must include these Illinois liability limits:  

• $25,000 bodily injury liability per person  
• $50,000 bodily injury liability per accident  
• $20,000 property damage liability  

Drivers in Illinois are also required to purchase the state minimum for uninsured motorist coverage. Though this coverage could mean both uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD), the state only mandates that drivers purchase UMBI. UMBI can help pay for injuries you receive from an accident involving an at-fault uninsured driver, while UMPD may cover damages to your vehicle from an at-fault uninsured driver. In Illinois, your required UMBI limits are:  

• $25,000 for bodily injury per person  
• $50,000 for bodily injury per accident  

Though Illinois’s auto insurance requirements may be more extensive than other states, the mandated minimum coverage may still leave you uncovered in certain accidents. Here are some additional coverages you may want to be familiar with before purchasing a policy:  

• Collision coverage: This insurance can help pay for repairs to your vehicle if you're involved in an accident, regardless of who’s at fault.  
• Comprehensive coverage: This may cover non-collision damage to your car, like vandalism, theft, or weather-related incidents.  
• Medical payments coverage: This insurance can help pay for medical expenses for you or your passengers after an accident.  

SR-22 insurance in Joliet 

If you’re ordered by a court to file for an SR-22, our team can help you navigate that process. Though commonly referred to as insurance, it’s not insurance at all; an SR-22 is a certificate of financial responsibility that proves you have the state’s mandated minimum auto insurance.  

In Illinois, you typically will have to maintain an SR-22 for three years, which may mean that finding coverage can be more costly. Illinois Vehicle can help you find affordable insurance for your budget and assist you with filing a same-day SR-22, once payment is issued.  

Non-owner car insurance in Joliet  

If you don’t own a vehicle but still need car insurance, you may want a non-owner auto insurance policy. It typically consists of liability-only coverage, which means that this policy can help pay for damage to a third-party vehicle or injuries to someone else you cause after an accident. If you frequently drive a friend or family member’s vehicle that isn’t in your household, it may be crucial for you to get a non-owner policy.  

If you’re ordered by a court to get an SR-22 but don’t own a vehicle, you can still file for a non-owner SR-22. To compare non-owner car insurance rates, you can contact Illinois Vehicle to help you locate a policy that aligns with your situation.  

Call to Get a Quote

Cost of car insurance in Joliet  

So, how much does auto insurance cost in Joliet? Your insurance rate can vary widely depending on a combination of factors. For instance, if you live in downtown Joliet, your premium may be higher than if you live in a more rural area due to the increased risk of accidents or theft. Some other factors that may influence your insurance rates are:  

• Your driving record: Safe drivers with no history of accidents or violations may expect lower premiums, while those with an accident history may experience higher costs.  
• Your car: Newer or electric vehicles may cost more to insure due to their replacement value or expensive car parts.  
• Your age: Younger drivers or those with less experience behind the wheel may pay higher rates.  
• Level of coverage: The type of coverage you have on your insurance policy may increase or decrease your rate. For example, purchasing the state’s minimum liability coverage may be less costly compared to purchasing a full coverage auto insurance policy (which typically combines liability, collision, and comprehensive coverage).  

Save on auto insurance in Joliet  

When it comes to auto insurance, you may want to find ways to reduce your premium. Illinois Vehicle works with carriers that can offer discounts you may be eligible for. These may include:  

• Paid-in-full discount: If you pay your premium up front, you may be rewarded with a discount.  
• Multi-vehicle discount: Insuring more than one car? Bundling them together on one policy may help you save money.  
• Good student discount: Students with good grades may experience lower premiums.  
• Proof of prior coverage: If you've maintained continuous coverage before switching over, you may be eligible for a discount.  

Why choose Illinois Vehicle in Joliet?  

Illinois Vehicle is here to help Joliet residents find flexible auto insurance solutions. Here are a few reasons why drivers may benefit from working with us:  

• Flexible payment options: Many residents may rely on convenient payment methods, which is why we work with insurance providers who can accept both cash and credit card payments.  
• Accepts multiple types of licenses: Our carriers can help drivers with a variety of driving histories and licenses, including Matricula Consular, temporary licenses, and foreign driver’s licenses.  
• SR-22 insurance: Looking for SR-22 insurance in Joliet? If you're required to file, our agents can help you navigate the filing process.  
• Spanish-bilingual support: Our agents can offer Spanish-bilingual customer support, helping you avoid a language barrier.  
• Compare multiple quotes at once: You don’t have to go from provider to provider to find the best rate. We can help you compare Joliet car insurance quotes from multiple carriers at once, so you can find the best price that fits your budget.  

Whether you're a long-time Joliet resident or new to the city, finding the right car insurance policy may feel daunting. Illinois Vehicle can help you locate affordable options that align with your needs and budget. Stop by our Joliet location, visit our website, or call us at 1-630-581-4805 to get a free personalized quote today!  
 

Call to Get a Quote

FAQs 

What is SR-22 insurance, and when do I need it?  

SR-22 is a certificate of financial responsibility that proves you have the state’s mandated minimum coverage. You may need to file for an SR-22 if you’re ordered by a court due to certain moving violations or being caught driving without auto insurance.  

How do I choose among auto insurance carriers in Joliet, IL?  

Our agents can help you compare rates from 20+ carriers so you can find the best rate for your budget.  

Who needs a non-owner policy in Joliet, and what does it cover? 

Non-owner car insurance in Joliet typically only contains liability coverage. This can help pay for third-party damages or someone else’s injuries you cause after an accident. You may need a non-owner policy if you don’t own a vehicle but regularly drive a car that isn’t in your household. You may also need to get a non-owner policy if you’re required to get an SR-22 but don’t own a vehicle.  

Disclaimer:  

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.