GEICO offers the lowest car insurance rates in Peoria, with average annual premiums of $346 for minimum coverage and $769 for full coverage. Other affordable insurers in the city include Erie, Auto-Owners and Travelers.
Car Insurance in Peoria
Updated: August 10, 2025
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Key Takeaways
Peoria's cheapest car insurance companies are GEICO, Auto-Owners and Erie, with rates up to 39% lower than the city average.
Monthly car insurance costs in Peoria average $99 for full coverage and $50 for minimum coverage.
To get the best cheap auto insurance in Peoria, decide on coverage beforehand and compare quotes from multiple sources.
Who Has The Cheapest Car Insurance in Peoria?
| GEICO | $29 | $64 | -39% |
| Auto Owners | $33 | $75 | -29% |
| Erie | $33 | $96 | -16% |
| Travelers | $52 | $93 | -5% |
| AAA | $55 | $94 | -2% |
Compare the Cheapest Peoria Car Insurance for you
Your car insurance rates depend heavily on your personal details, like your age, driving record and credit score. Check the table below to find which insurance company offers the lowest rates for your specific driver profile.
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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 Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| GEICO | $43 | $516 | -45% |
| Auto Owners | $45 | $540 | -43% |
| Erie | $52 | $624 | -34% |
| Travelers | $68 | $811 | -14% |
| COUNTRY Financial | $76 | $918 | -2% |
Cheapest Car Insurance by Age Group in Peoria
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16-25 (young), 26-64 (adults), and 65+ (seniors). Based on our data in Peoria, here's who offers the lowest rate in each group:
- Cheapest car insurance for young drivers: Erie (from $64 per month)
- Cheapest car insurance for adults: GEICO (from $29 per month)
- Cheapest car insurance for seniors: GEICO (from $34 per month)
Cheapest Car Insurance for Young Drivers in Peoria
Erie and GEICO provide the most affordable car insurance for young drivers in Peoria, with monthly rates starting at $64 and $83, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Erie | $64 | $770 | -52% |
| GEICO | $83 | $998 | -38% |
| Auto Owners | $83 | $1,000 | -38% |
| COUNTRY Financial | $105 | $1,266 | -21% |
| Travelers | $115 | $1,383 | -14% |
Cheapest Car Insurance for Adult Drivers in Peoria
In Peoria, GEICO provides the lowest rates for adult drivers (26 to 64), saving drivers around 44% on average. Travelers is also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $29 | $346 | -44% |
| Erie | $33 | $392 | -37% |
| Auto Owners | $33 | $400 | -35% |
| Travelers | $52 | $624 | 1% |
| COUNTRY Financial | $55 | $655 | 6% |
Cheapest Car Insurance for Senior Drivers in Peoria
For seniors in Peoria, GEICO provides the lowest rates across both coverage types. Minimum coverage costs $34 monthly or $413 annually, while full coverage runs $71 per month or $853 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $34 | $413 | -53% |
| Erie | $52 | $622 | -28% |
| Auto Owners | $58 | $691 | -21% |
| Travelers | $71 | $850 | -2% |
| COUNTRY Financial | $74 | $891 | 2% |
Cheapest Car Insurance for High-Risk Drivers in Peoria
If you're a high-risk driver in Peoria, these insurance companies offer the lowest rates based on your situation:
- Cheapest for Bad Credit: Erie (from $80 per month)
- Cheapest with a DUI: GEICO (from $60 per month)
- Cheapest with an Accident: GEICO (from $43 per month)
- Cheapest with a Speeding Ticket: GEICO (from $36 per month)
Cheapest Car Insurance for Bad Credit in Peoria
Erie offers the cheapest car insurance for bad credit drivers in Peoria, with monthly rates starting at $80 for minimum coverage. This rate applies to drivers with clean records seeking either basic liability protection or comprehensive coverage with higher limits.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Erie | $80 | $957 | -44% |
| GEICO | $82 | $982 | -42% |
| COUNTRY Financial | $103 | $1,231 | -27% |
| Auto Owners | $110 | $1,315 | -22% |
| Nationwide | $111 | $1,337 | -21% |
Cheapest Car Insurance With a DUI in Peoria
GEICO and Erie offer the most affordable car insurance rates for Peoria drivers with a DUI. These providers' rates are up to 39% lower than average for minimum coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| GEICO | $60 | $716 | -39% |
| Erie | $68 | $816 | -30% |
| Auto Owners | $71 | $858 | -26% |
| Travelers | $72 | $862 | -26% |
| Progressive | $74 | $891 | -24% |
Cheapest Car Insurance With an Accident in Peoria
Drivers in Peoria with an accident record can find the lowest rates with GEICO, starting at $43 per month, about 45% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| GEICO | $43 | $516 | -45% |
| Auto Owners | $45 | $540 | -43% |
| Erie | $52 | $624 | -34% |
| Travelers | $68 | $811 | -14% |
| COUNTRY Financial | $76 | $918 | -2% |
Cheapest Car Insurance With a Speeding Ticket in Peoria
For Peoria drivers with speeding tickets, GEICO offers the most affordable car insurance options. Their minimum liability coverage costs about $36 per month, while full coverage with higher limits runs around $86 monthly. Erie ties with GEICO for the lowest minimum liability cost. These rates apply to adult drivers with good credit who have received a speeding ticket for driving 11 to 15 mph over the limit.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Erie | $36 | $432 | -45% |
| GEICO | $36 | $434 | -45% |
| Auto Owners | $38 | $456 | -42% |
| Travelers | $64 | $766 | -2% |
| COUNTRY Financial | $67 | $798 | 2% |
Best Car Insurance Companies in Peoria
The top car insurance companies in Peoria are Auto-Owners, GEICO, Erie, Travelers and Progressive. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Auto Owners | 93 | 2 | 1 | 6 |
| GEICO | 91 | 1 | 6 | 7 |
| Erie | 91 | 3 | 2 | 3 |
| Travelers | 86 | 4 | 3 | 5 |
| Progressive | 81 | 8 | 4 | 2 |
Auto Owners: Best Customer Service
pros
Top-rated customer service in Peoria
Excellent for young drivers
Multiple driver discounts available
cons
Limited coverage options
Online tools need improvement
COMPANY HIGHLIGHTS
Auto Owners ranks first in Peoria thanks to outstanding customer service and competitive rates. The company scores particularly well with young drivers and those with driving incidents. Local customers benefit from personalized service and strong claims support. Auto Owners proves especially valuable for drivers with old cars and those with accidents on their record.
GEICO: Most Affordable Coverage
pros
Lowest rates in Peoria
Easy online quote process
Many coverage customization options
cons
Lower customer service ratings
Basic coverage selections
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance in Peoria. The company excels at serving diverse driver groups, including seniors and those with newer vehicles. Their streamlined digital tools make policy management straightforward. GEICO stands out as the best choice for adult drivers seeking straightforward coverage at competitive rates."
How Much Is Car Insurance in Peoria?
In Peoria, minimum coverage costs about $50 per month or $604 per year, ranking 960th out of all Illinois cities for affordability. Full coverage averages $99 monthly or $1,187 annually, ranking 899th among Illinois cities.
| Full Coverage | $99 | $1,187 |
| Minimum Coverage | $50 | $604 |
Compare Personalized Peoria Car Insurance Costs
Since your profile may be more complex than basic rate breakdowns show, use this table to find average Peoria car insurance rates based on your specific combination of age, driving record and other factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $164 | $1,963 | 0% |
Peoria Car Insurance Costs by ZIP Code
In Peoria, car insurance rates by ZIP code range from $46 to $109 per month. ZIP code 61604 is the most expensive, while 61525 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:61604
| 61604 | $59 | $109 |
How to Get the Best Cheap Peoria Car Insurance
With Peoria drivers facing higher-than-average 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
Start by determining how much insurance protection you need for your vehicle and budget. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider your car's value, your savings, and Peoria's minimum coverage requirements to make an informed choice.
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Explore different insurance types
Understanding different types of car insurance can help you find better rates. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
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Know what others pay
Research average vehicle insurance costs in Peoria to set realistic expectations. This helps you recognize good deals and avoid overpaying. Remember that your personal factors like driving history and credit score can affect your actual rates.
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Find all possible discounts
Look for every available car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer savings for good driving records, safety features, and paying your premium in full.
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Check company ratings and reviews
Research insurance companies' financial strength and customer service ratings. Look for reviews from other Peoria drivers about their claims experience. A company with slightly higher rates but excellent service might save you money and stress in the long run.
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Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
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Review your policy yearly
Mark your calendar to review your car insurance policy annually. Life changes like improving credit, moving within Peoria, or buying a new car can affect your rates. Shopping around each year ensures you maintain the best possible rates.
Cheapest Car Insurance in Peoria: Bottom Line
Car insurance rates in Peoria depend on your age, driving record and credit score. GEICO and Auto-Owners offer the lowest average premiums in the city, but compare quotes from multiple providers to find your best rate.
Cheap Peoria Car Insurance: FAQ
Our research team answers your questions about finding affordable car insurance in Peoria. We'll help you understand coverage options and identify the cheapest rates that still meet your needs.
What is the cheapest car insurance company in Peoria, Illinois?
GEICO offers the lowest rates in Peoria, with average annual premiums of $346 for minimum coverage and $769 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Peoria?
Auto Owners leads Peoria's car insurance providers with a MoneyGeek score of 93 out of 100, scoring 2 points above GEICO. They excel in both affordable rates and quality service.
What is the average cost of car insurance in Peoria?
In Peoria, Illinois, drivers pay $1,187 per year for full coverage and $604 for minimum coverage. Actual rates vary based on individual factors.
Is car insurance in Peoria expensive?
Car insurance in Peoria is more expensive than average. The city ranks 960th for minimum coverage affordability and 899th for full coverage compared to other Illinois cities.
How We Chose the Best and Cheapest Car Insurance in Peoria, IL
To help Peoria drivers find the most affordable auto insurance companies, MoneyGeek analyzed Peoria auto insurance rates based on data and information from the Illinois Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Peoria and hundreds of thousands of quotes for 12 companies offering auto insurance in Illinois to tailor options as closely as possible to you.
Peoria Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Peoria 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
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Peoria
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Illinois 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 in Peoria based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included 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.