An insulated rail joint assembly comprises a rail with a thick web section, held in place by joint bars and secured with electrically isolated fasteners. The joint bars have non-uniform cross-sections, being shaped with a thicker midsection area and thinner ends. Electrically non-conductive shear pins through the rail and the joint bars provide shear resistance and prevent glue bond failure. High strength cloth between the rail ends and between the rail and the joint bars strengthens the joint, as does an insulating rail clip resiliently fastened to an insulating tie plate, which itself may be supported on a cross tie of increased width.