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Joliet is located 40 miles southwest of Chicago, and is the the fourth largest city in Illinois. The heart and history of Joliet is centered around the Des Plaines River, and the city expands across both the Des Plaines River and the DuPage River. The cost of living in Joliet is 2% lower than the national average, and the cost of housing in Joliet is 5% lower than the national average. Joliet is the fastest growing city in the state of Illinois, with new residents arriving daily because of the great schools, job opportunities and cost of living. As the city grows, the population shifts as new developments and commercial districts are built or re-zoned. This can mean changes in local insurance rates, so it’s important to re-shop your policy frequently. If you plan on doing so, make sure you research all the available choices for cheap car insurance Joliet can offer.

Joliet Insurance Requirements

The Insurance Research Council has found that as many as 15% of Illinois drivers have failed to carry car insurance in recent years. Failure to present proof of insurance while driving results in immediate license plate suspension and a minimum fine of $500. Because the highway system is so unpredictable, most commuters plan for extra time every day to account for possible delays. For real time traffic conditions the Department of Transportation has a map showing current congestion spots.

  • Illinois’ mandatory minimum coverage for bodily injury or death of one person in an accident is $20,000.
  • Illinois’ mandatory minimum coverage for bodily injury or death of more than one person in an accident is $40,000.
  • Illinois’ mandatory minimum coverage for damage to property of another person is $15,000.


The minimum coverage may be all the law requires, but one of the biggest contributors to Joliet’s increased auto insurance premiums is the rate of uninsured motorists, which is 15% statewide. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Joliet can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Public Transportation In Joliet

There is 1 airport and 8 Amtrak train stations within 30 miles of the Joliet city center. The STAR Line, from O’Hare Transfer provides local bus service six days a week with buses leaving from a terminal in downtown Joliet once an hour. Amtrak, the national passenger rail system, also serves Joliet, operating its Texas Eagle daily in each direction between Chicago and San Antonio, Texas. The average travel time to work in Joliet is 18% higher than the national average, so taking advantage of public transportation is the best way to keep down your yearly car mileage and save money on your auto insurance.