Joliet Insurance Rates:

Joliet, IL home insurance is about $654 to $887, about $54-$73/month. Our all inclusive guide reveals consumers can save upto $308 by comparing different quotes

Compare Quotes from Top Providers and Save now!

Read Joliet, Illinois Homeowners Insurance reviews & compare quotes to get the best deal from the most trustworthy providers

Joliet Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $120/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $345,000

4 Beds, 4 Baths 3110 sqft Seasonal Residence Constructed In 2003 with Wood Flooring, Metal Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $340/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Bath 1690 sqft Rental Property Constructed In 2003 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $320/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Bath 2180 sqft Seasonal Residence Constructed In 2004 with Linoleum, Tile Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $550/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

5 Beds, 5 Baths 2020 sqft Seasonal Residence Constructed In 1941 with Linoleum, Metal Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $120/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Baths 1860 sqft Seasonal Residence Constructed In 1963 with Carpet Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $150/1 month for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $385,000

5 Beds, 5 Baths 3870 sqft Rental Property Constructed In 2006 with Linoleum, Wood Shake Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Married Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $170/3 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Baths 1023 sqft Primary Residence Constructed In 2006 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Joliet, IL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
60431 $198,000 $780
60433 $145,200 $760
60432 $138,700 $760

Joliet Rates & Quotes Analysis:

Joliet Area Estimated House Insurance
Wildflower Ln, Burl Ct, S Centurion Ln, Indian Trl, Ann Dr, Jane Ct, Circle Court Dr, Arbor Falls Dr, Great Meadow Ln, Mustang Rd$788
Judy Ct, Flower St, Hayes St, W Park Ave, Hadrian Dr, Arch Ct, Winding Creek Rd, S Clover Ct, Silver Fox Dr, Sand Creek Ct$774
Stonebridge Ct, Mayfair Dr, Judith Dr, Hills Ave, Cherry Ridge Dr, Coghill St, Saint Jude Ave, Wyndstone Dr, Arbor Gate Dr, Henderson Ave$791
Mills Rd, Torwood Cir, Westnedge Ln, Blackhawk St, N Bluff St, Draper Ave, Susan St, Tiger Lily Ln, Forestgrove Dr, Story St$751
W Park St, Beckwith Ct, State St, Buck Ave, 1st Ave, Nowell Ave, Alana Dr, Jacob Ave, N Briggs St, Glasgow St$788
Vintage Dr, Rolling Wood Ct, Charity Ave, Bronk Rd, Ashwood Dr, Barthelme Ave, Bond Rd, Jack Rogers Ln, Byrum Blvd, Stone Creek Dr$750
Hel Mar Ln, Pamela Ct, Youngs Ave, Jamestown Rd, Northside Dr, Miami St, S Blackberry Ln, Lektorich Ln, E Silver Hill Cir, Heather Ln$772
Bajt Ln, Woodside Dr, Bayberry Ct, Ogden Rd, Sheila Dr, Linden Ave, Pathfinder Ln, S Thomas Dillon Dr, Wexford Ln, W Maggie Ln$819
Joe Adler Dr, Greenmeadow Ln, River St, Tanaga Basin, Ella Ave, Tanager Ln, Owl Dr, Cochrane Ave, Wildflower Ct, Eastern Ave$820
Sleepy Hollow Ln, Charlesworth Ave, W Orchard Ln, Alpine Way, Navajo Dr, Fiesta Dr, Fernwood Ave, Dunbar Ct, Dawes Ave, Jaguar Ct$802

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,694 Homes (17% of total) built between 1939 or earlier in Joliet are paying home insurance between $1,650-$1,662 compared to Troy (+$31), Shorewood (+$64), Plainfield (+$36), Rockdale (-$31) and Crest Hill (-$11).
  • Bedrooms: 12,927 2 bedrooms homes (25% of total homes ) in Joliet are paying about $556. Areas near to Joliet such as Troy, Shorewood, Crest Hill are costlier by $18, $20, $4 respectively whereas Rockdale and Preston Heights are more economical by $10, $5 respectively for similar homes.
  • Auto Insurance Bundling: 8,371 Households (24% of all households) in Joliet have 3 or more vehicles available and when it is bundled with home insurance you can save $192 and differs from Troy ($196), Rockdale ($189), Shorewood ($200).
  • Senior Discounts: 10,638 seniors (more than 55 years) occupied housing units (30% of total) in Joliet get discounts between $115 to $117 compared to Troy ($117), Rockdale ($113), Shorewood ($120).
  • New Homes discounts: New homes such as the 27,836 homes built between 2000 to 2009 in Joliet can save $154 and similar new home insurance discounts in nearby towns and cities like Troy, Rockdale and Shorewood are $157, $151 and $160 respectively.

Joliet Homeowners insurance Facts

  • Joliet, IL has 34,431 owner occupied houses which is 73.5% of all units whereas Troy, Rockdale and Shorewood have 88.49%, 51.68% and 91.92% respectively.
  • Joliet, IL homeowners yearly insurance price at $771 is 0.43% of the typical house value of $181,300 which is in contrast with 0.37% in Troy, 0.5% at Rockdale & 0.33% in Shorewood.
  • Homeowners in Joliet, IL pay 1.4% of their income ($50,000 to $59,999) in insurance whereas homeowners in Troy, Rockdale and Shorewood pay 1.43%, 1.38% and 1.45% respectively.
  • Joliet, IL’s insurance is 3.6% of monthly housing costs of $1,791/month, for owners with a mortgage compared to 3.43% in Troy, 5.15% at Rockdale & 3.09% in Shorewood. But, for households without a mortgage, insurance is 11.3% of costs ($569 in Joliet, IL) in contrast with 9.35% in Troy, 17.14% at Rockdale & 8.9% in Shorewood.

Joliet, IL Home Values & Insurance rates

For example, insurance for 675 Homes (1.0% of total homes ) valued between $80,000 to $89,999 in Joliet, IL is about $354. Rates in nearby areas in such as Lockport, Will County, Bolingbrook are cheaper by $6, $61, $61 respectively while Rockdale and Crest Hill are costlier by $62 and $21 respectively for similar homes.

Joliet, IL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 769 2.0% $100
$70,000 to $79,999 446 1.0% $316
$80,000 to $89,999 675 1.0% $354
$90,000 to $99,999 721 2.0% $400
$100,000 to $124,999 2,923 8.0% $462
$125,000 to $149,999 3,916 11.0% $578
$150,000 to $174,999 6,234 18.0% $686
$175,000 to $199,999 4,402 12.0% $794
$200,000 to $249,999 7,376 21.0% $956
$250,000 to $299,999 4,253 12.0% $1164
$300,000 to $399,999 1,918 5.0% $1488

Renters Insurance in Joliet

  • Average Renters Insurance in Joliet :  $136($11/month)

  • Median Gross Rent in Joliet :  $852

  • Joliet Renters Insurance to Median Rent Ratio:  1.29%

  • Renter occupied housing units in Joliet :  12,444

Joliet Renters Insurance as a Percentage of Rent

Joliet Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 457 3.0% $334
$200 to $299 424 3.0% $784
$300 to $499 852 7.0% $1234
$500 to $749 2,366 19.0% $1909
$750 to $999 3,972 32.0% $2659
$1,000 to $1,499 3,113 25.0% $3784
$1,500 or more 869 7.0% $5434

Rent Affordability in Joliet:

Approximately 48.0% (6,020) of households are spending more than 35% of their income on gross rent in Joliet

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,253 10.0%
15.0 to 19.9 percent 1,529 12.0%
20.0 to 24.9 percent 1,334 10.0%
25.0 to 29.9 percent 1,360 10.0%
30.0 to 34.9 percent 948 7.0%
35.0 percent or more 6,020 48.0%

Joliet Renters Insurance Discounts:

Joliet Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Joliet, IL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,480 44.0% $13.6
2 vehicles available 3,664 29.0% $20.4
3 or more vehicles available 989 7.0% $27.2

Protective device discount in Joliet Up to :  $20

Claims-free discount in Joliet Up to :  $27