Car Insurance in Peoria

Travelers provides the most affordable rates for most Peoria drivers. Young drivers pay $1,586 annually with Travelers, while adult drivers with clean records pay just $713 per year.

Senior drivers see rates of $1,034 per year from Travelers, about 45% higher than adult premiums. Drivers with a speeding ticket pay $807 annually with Auto-Owners, and those with an at-fault accident face rates of $932 per year.

Peoria's northwest Valley location puts drivers on some of Arizona's fastest-growing corridors, including Loop 101 and Lake Pleasant Parkway. The city's spread-out suburban layout means most residents drive frequently, but wide roads and modern infrastructure help keep accident rates moderate compared to older Phoenix neighborhoods.

Travelers takes the lead in Peoria, offering minimum coverage for $713 annually—40% less than the city's $1,067 average. Full coverage costs $1,291 per year through Travelers, compared to Peoria's average of $2,049.

Auto-Owners ranks second with full coverage at $1,550 per year. Both companies provide excellent service alongside competitive pricing for Peoria residents.

Arizona's competitive insurance market benefits Peoria drivers, with multiple carriers offering specialized products for the area. The city's relatively affluent demographics and newer housing stock translate to lower theft rates and vandalism claims, factors that help keep premiums reasonable.

Young drivers face the highest premiums in Peoria, paying more than double what adults pay. Travelers offers young drivers coverage for $1,586 per year.

Adult drivers pay $713 annually with Travelers, saving $873 compared to young drivers. Senior drivers get their best rate from Travelers at $1,034 per year, 45% more than adult premiums.

Peoria's substantial retiree population means many drivers benefit from low mileage and mature driver discounts. Young drivers in this sprawling suburb often commute long distances to Arizona State University's West campus or jobs in Phoenix, increasing their exposure and insurance costs.

Clean records earn Travelers' best rate of $713 per year in Peoria. A speeding ticket raises your premium to $807 annually with Auto-Owners, a modest 13% increase.

An at-fault accident pushes costs to $932 per year with Travelers, while a DUI results in rates of $857 annually with State Farm. Even with violations, Peoria drivers can find reasonable rates.

Arizona's high speed limits on Loop 101, which runs through Peoria, lead to frequent speeding tickets when drivers exceed even these generous limits. DUI enforcement is particularly strict in entertainment districts near Westgate, making clean driving records valuable for keeping insurance affordable.

Travelers leads Peoria with an overall score of 95.76 out of 100. The company combines affordable pricing with exceptional customer service and efficient claims handling.

Auto-Owners follows closely with a score of 93.83, known for strong customer satisfaction and comprehensive coverage options. Both insurers maintain excellent financial stability ratings and low complaint ratios.

Car insurance in Peoria costs an average of $89 per month for minimum coverage and $171 per month for full coverage. These rates fall slightly above Arizona's state average, reflecting the growing Phoenix metropolitan area.

Travelers' minimum coverage rate of $59 monthly shows the savings available through comparison shopping. Your individual premium depends on your driving record, age and the coverage level you select.

In Peoria, car insurance rates by ZIP code range from $71 to $194 per month.

Our step-by-step guide shows you how to secure better rates and choose the right coverage for your needs.

Car insurance costs depend on your driving record, credit and vehicle type. In Peoria, Travelers and Auto-Owners offer the lowest average rates, but compare quotes from multiple providers to find your best price.

Find clear answers about affordable car insurance in Peoria. Our FAQ section helps you understand coverage options and costs, so you can choose the right policy that fits your budget while providing the protection you need.

To help Peoria drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Arizona to tailor options as closely as possible to you.

Peoria Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Peoria

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in Arizona are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
• Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
• Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.