Travelers offers the lowest car insurance rates in Peoria, with average annual premiums of $713 for minimum coverage and $1,291 for full coverage. Auto-Owners and State Farm also provide affordable coverage in the city.
Car Insurance in Peoria
Updated: August 3, 2025
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Key Takeaways
Peoria's cheapest car insurance companies are Travelers, Auto-Owners and State Farm, with savings up to 40% compared to the city average.
Monthly car insurance costs in Peoria average $171 for full coverage and $89 for minimum coverage.
To find the best cheap auto insurance in Peoria, compare quotes from multiple sources and choose the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Peoria?
| Travelers | $59 | $108 | -40% |
| Auto-Owners | $67 | $129 | -29% |
| State Farm | $67 | $142 | -25% |
| Geico | $70 | $144 | -23% |
| Progressive | $94 | $154 | -11% |
Cheapest Peoria Car Insurance by Category
In Peoria, Travelers wins five driver categories for affordable car insurance. Auto-Owners offers the cheapest rates for drivers with old cars and speeding tickets, while State Farm leads for those with DUIs. Safeway Insurance provides the most affordable coverage for drivers with bad credit.
| Young Drivers | Travelers | $132 |
| Senior Drivers | Travelers | $86 |
| Adult Drivers | Travelers | $59 |
| Drivers With a DUI | State Farm | $71 |
| Drivers With an Accident | Travelers | $78 |
| Drivers With a Speeding Ticket | Auto-Owners | $67 |
| Drivers With Bad Credit | Safeway Insurance | $143 |
| Drivers With Newer Cars | Travelers | $58 |
| Drivers With Old Cars | Auto-Owners | $47 |
Compare the Cheapest Peoria Car Insurance for You
Your car insurance rates depend on your driving history, credit score and other personal factors. Check the table below to find insurers offering the best rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Travelers | $59 | $713 | -38% |
| State Farm | $67 | $800 | -30% |
| Auto Owners | $67 | $807 | -29% |
| Geico | $70 | $844 | -26% |
| Allstate | $93 | $1,120 | -2% |
Best Car Insurance Companies in Peoria
In Peoria, the top car insurance companies are Travelers, Auto-Owners, Progressive, State Farm and GEICO. These insurers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 96 | 1 | 2 | 4 |
| Auto-Owners | 94 | 2 | 1 | 5 |
| Progressive | 87 | 5 | 3 | 2 |
| State Farm | 86 | 3 | 4 | 6 |
| Geico | 85 | 4 | 6 | 6 |
Travelers: Best Overall Value
pros
Strong customer service ratings
Multiple driver category wins
Extensive coverage options
cons
Limited add-on selections
Higher rates for some specialty coverage
COMPANY HIGHLIGHTS
Travelers ranks first in Peoria for its combination of affordable rates and quality service. The company wins top spots for multiple driver categories, including young drivers and those with newer cars. With a customer satisfaction score of 4.65 out of 5, Travelers proves its commitment to policyholder support while maintaining competitive rates.
Auto-Owners: Best Customer Service
pros
Top customer satisfaction scores
Competitive rates for experienced drivers
Strong claims handling reputation
cons
Fewer digital tools available
COMPANY HIGHLIGHTS
Auto-Owners stands out with the highest customer experience rating in Peoria, scoring a perfect 5 out of 5. The company particularly excels with experienced drivers and those with older vehicles, offering them some of the lowest rates in the city. While Auto-Owners' digital presence isn't as robust as some competitors, its personalized service approach delivers outstanding results.
How Much Is Car Insurance in Peoria?
In Peoria, minimum coverage costs about $89 per month or $1,067 per year, ranking 261st out of all Arizona cities for affordability. Full coverage averages $171 monthly or $2,049 annually, ranking 250th among Arizona cities.
| Full Coverage | $171 | $2,049 |
| Minimum Coverage | $89 | $1,067 |
Peoria Car Insurance Cost by Category
In Peoria, monthly coverage costs vary from $77 to $416 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $220 | $416 |
| Adult Drivers | $89 | $171 |
| Senior Drivers | $126 | $228 |
| Drivers With an Accident | $130 | $250 |
| Drivers With a DUI | $140 | $271 |
| Drivers With a Speeding Ticket | $109 | $213 |
| Drivers With Bad Credit | $187 | $384 |
| Drivers With Newer Cars | $106 | $205 |
| Drivers With Old Cars | $77 | $147 |
Peoria Car Insurance Costs by ZIP Code
In Peoria, car insurance rates by ZIP code range from $71 to $194 per month. ZIP code 85381 is the most expensive, while 85383 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:85381
| 85381 | $106 | $194 |
Compare Personalized Peoria Car Insurance Costs
While average rates vary by ZIP code and coverage type, this table lets you filter Peoria car insurance costs by your specific combination of age, driving record and other key factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $91 | $1,087 | 37% |
How to Get the Best Cheap Peoria Car Insurance
With Peoria drivers facing some of Arizona's highest car insurance rates, finding affordable coverage can feel overwhelming. Our step-by-step guide shows you how to secure better rates and choose the right coverage for your needs.
- 1
Calculate your coverage requirements
Determine how much coverage you need to protect your assets and meet Arizona requirements. Use our car insurance coverage needs calculator to get a personalized recommendation based on your vehicle value, assets and risk tolerance.
- 2
Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might help reduce costs. Don't own a car? Look into non-owner policies for occasional drivers.
- 3
Know the average costs
Research average vehicle insurance costs in Peoria to set realistic expectations. This knowledge helps you identify truly competitive quotes and avoid overpaying. Compare rates across different coverage levels to find your sweet spot.
- 4
Check available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts and defensive driving courses can also reduce your premium.
- 5
Review company reliability scores
Research each insurer's customer service ratings and claims satisfaction scores. Check complaint records with the Arizona Department of Insurance. A slightly higher premium from a reliable company often provides better value than the absolute cheapest option.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, direct insurers and online comparison tools. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
- 7
Set an annual review reminder
Mark your calendar to review your policy yearly. Life changes like moving within Peoria, buying a new car or improving your credit score can qualify you for better rates. Don't let loyalty to one insurer cost you money.
Cheapest Car Insurance in Peoria: Bottom Line
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.
Cheap Peoria Car Insurance: FAQ
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.
What is the cheapest car insurance company in Peoria, Arizona?
Travelers offers the lowest rates in Peoria, with average annual premiums of $713 for minimum coverage and $1,291 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Peoria?
Travelers offers Peoria's highest-rated car insurance, scoring 96 out of 100 and ranking two points above Auto-Owners. The company delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Peoria?
In Peoria, drivers pay $2,049 for full coverage and $1,067 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Peoria expensive?
Car insurance in Peoria is more expensive than average, ranking 261st for minimum coverage affordability and 250th for full coverage compared to other Arizona cities.
How We Chose the Best and Cheapest Car Insurance in Peoria, AZ
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.