Updated: December 29, 2025
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Peoria drivers can get minimum coverage for just $59 monthly through Travelers, while the same insurer provides full coverage at $108 per month or $1,291 annually. These premiums apply to drivers with clean records.
Your age and driving history affect which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.
| Travelers | $108 | $59 | -40% |
| State Farm | $142 | $67 | -25% |
| Auto Owners | $129 | $67 | -29% |
| Geico | $144 | $70 | -23% |
| Progressive | $154 | $94 | -11% |
Arizona's statewide average sits at $120 for full coverage, but Peoria residents pay higher costs at $171 monthly. Minimum coverage follows a similar pattern, with Peoria's $89 rate well above the state's $59 average.
The city's higher premiums stem from increased traffic congestion that leads to more frequent accidents, plus extreme weather conditions like dust storms and monsoon rains that create hazardous driving situations.
Vehicle theft rates also run higher than in many rural areas across Arizona. Despite these elevated baseline costs, comparing quotes from multiple insurers helps Peoria drivers find the most competitive rates available.
| $171 | $120 |
Read More: The cheapest car insurance in Arizona
Peoria's insurance costs vary across age groups, with young drivers averaging $325 monthly while adults pay just $135 and seniors pay $185. Young drivers pay these high premiums because they lack driving experience and statistically cause more accidents than other age groups.
Cheapest Peoria car insurance by age:
Once drivers establish experience, age matters less. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.
Young drivers in Peoria pay high insurance costs, but Travelers provides relief at $252 monthly or $3,022 annually for full coverage. Drivers ages 16 to 25 consistently pay the highest premiums because insurers view them as high-risk due to limited driving experience, frequent accidents and more traffic violations than older drivers.
With young driver rates averaging $325 monthly compared to $135 for adults across Peoria's top insurers, youth premiums run more than double what experienced drivers pay.
Smart shopping saves young Peoria drivers $176 monthly when choosing Travelers over Allstate's $428 rate. Adding young drivers to family policies beats separate coverage costs, but expect premiums to stay high until age 25.
Note: Teen drivers under 18 may have additional legal requirements and restrictions that differ by state. Consult with your insurance provider about specific requirements for young drivers in Arizona.
| Travelers | $252 | $3,022 |
| Auto Owners | $300 | $3,596 |
| Geico | $313 | $3,759 |
| State Farm | $331 | $3,977 |
| Allstate | $428 | $5,134 |
Peoria's senior drivers enjoy competitive insurance rates thanks to their clean driving records and decades of experience, with Travelers offering the most affordable coverage at $155 monthly or $1,858 annually for full coverage.
While drivers 65 and older maintain excellent safety profiles, some insurers slightly bump up premiums after age 70 due to reaction time concerns. Across the five cheapest insurers, Peoria seniors average $185 monthly, just $50 above the $135 that younger adults pay.
By choosing Travelers over Progressive at $209 monthly, seniors save $54 each month on their premiums. Defensive driving courses and low-mileage discounts for those driving under 7,500 miles annually can reduce costs even further.
| Travelers | $155 | $1,858 |
| State Farm | $174 | $2,090 |
| Geico | $188 | $2,257 |
| Auto Owners | $199 | $2,388 |
| Progressive | $209 | $2,507 |
Adult drivers between ages 26 and 64 get Peoria's best insurance deals because they blend years of experience with lower accident rates than both younger and older drivers. Travelers leads with the most affordable rates at $108 monthly or $1,291 annually for full coverage.
Across Peoria's five cheapest insurers, adults average just $135 monthly, the lowest of any age category. Shopping smart pays off since adults save $46 monthly choosing Travelers over Progressive's $154 rate, the fifth cheapest option. Maintaining clean records and bundling policies creates even more opportunities to cut costs.
| Travelers | $108 | $1,291 |
| Auto Owners | $129 | $1,550 |
| State Farm | $142 | $1,702 |
| Geico | $144 | $1,732 |
| Progressive | $154 | $1,845 |
Car insurance violations hit Peoria drivers hard, with rates climbing from $59 monthly for clean records through Travelers to much higher costs across violation types. Auto-Owners leads for speeding tickets at $67 monthly, while State Farm offers the best DUI rates at $71 monthly.
The average monthly cost across the five cheapest insurers tells the full story: jumping from $71 for clean records to $89 for speeding tickets, $100 for at-fault accidents and $111 for DUIs. At-fault accidents push premiums higher because they prove you've caused actual property damage or injuries, signaling real risk to insurers.
DUIs trigger the largest increases by combining dangerous behavior with legal consequences, placing you in the highest-risk category and often requiring SR-22 filing for license reinstatement, while speeding tickets create smaller bumps since they show risky driving without crash involvement.
| State Farm | $71 | $857 |
| Travelers | $86 | $1,030 |
| Progressive | $115 | $1,379 |
| Auto Owners | $127 | $1,518 |
| Geico | $154 | $1,853 |
The cheapest car insurance in ZIP code 85383 costs just $71 monthly, while the most expensive area (ZIP 85381) reaches $194 per month. Find your specific ZIP code in the table to see what you'll pay.
For Peoria's most populous neighborhoods, drivers in ZIP codes 85382, 85345 and 85383 pay $183, $160 and $146 monthly for minimum coverage. These rate differences reflect neighborhood factors like accident frequency, vehicle theft rates, population density and uninsured driver percentages.
Use the filter above the table to locate your ZIP code and check your area's rate.
| 85345 | $78 | $160 |
Getting competitive rates and proper coverage in Peoria starts with knowing what factors matter most to insurers.
Try our car insurance coverage needs calculator for customized advice. This tool analyzes your specific situation to recommend appropriate coverage levels for your Peoria driving needs.
Explore different types of car insurance offered in Peoria. Pay-per-mile works well for occasional drivers, while non-owner coverage suits people who borrow vehicles regularly.
Check typical average vehicle insurance costs for your area in Peoria. Local rates vary by neighborhood, so understanding your area's pricing helps set realistic budget expectations.
Explore every savings option through available car insurance discount programs. Consider bundling multiple policies or getting multi-car discounts. You can save with safe driver, student and anti-theft discounts.
Research insurer reviews and financial stability for companies serving Peoria residents. Strong financial ratings indicate the company can pay claims reliably, while customer reviews reveal service quality during the claims process.
Get quotes from at least three insurers to compare rates effectively. Different companies weigh risk factors differently, so the same driver profile can receive vastly different premium quotes across carriers.
Schedule an annual policy review to stay competitive with current market rates. Life changes, new discounts and shifting company pricing mean your current policy might no longer offer the best value available.
Want to find affordable coverage in Peoria? This FAQ gives you direct answers about available discounts, state regulations and policy options. We'll help you find coverage that works for your budget and guide you to make smart choices about your insurance.
Travelers has the cheapest auto insurance in Peoria at $708 annually for minimum coverage and $1,291 annually for full coverage. Since personal factors like your driving record and credit score affect rates, shop around with multiple companies to find your best deal.
Travelers ranks first among Peoria's car insurance providers with a MoneyGeek score of 96 out of 100, outpacing Auto-Owners by two points. The company performs well in affordability and customer experience.
Minimum coverage car insurance in Peoria costs $1,068 annually, while full coverage runs $2,052 per year. Your actual premiums depend on your driving record, age and other personal factors.
Yes, Peoria has expensive car insurance, ranking 250th for full coverage and 261st for minimum coverage affordability among Arizona cities.
Peoria drivers pay some of Arizona's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Peoria's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
