Peoria, AZ Car Insurance

In Peoria, the average cost for full coverage car insurance is $137 per month. Rates can vary widely, with the cheapest at $132 and the most expensive reaching $390, depending on various factors. To help drivers understand what they might pay, the table below shows average car insurance costs for different driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Peoria, the average yearly cost for full coverage is $1,640, while minimum coverage is $759. These rates are higher than Arizona's averages, where full coverage is $1,525 and state minimum coverage is $832. Understanding these costs can help drivers make informed decisions about their auto insurance.

Premiums might be rising in Arizona, but you can still find affordable car insurance in Peoria. Mercury offers the cheapest minimum coverage at just $44 per month. For full coverage, Root Insurance Company provides the best rate at $87 per month.

Mercury is often the cheapest for state minimum coverage, but rates vary by driver. To find your best rate, get quotes from several insurers. Below is a table showing the cheapest rates for different driver profiles.

Car insurance companies in Peoria set their own prices. To find affordable rates, compare quotes from many providers. Below, we explain the cheapest options for minimum coverage and full coverage car insurance.

Mercury provides the cheapest minimum coverage auto insurance at $44 per month. Country Financial follows closely with a rate of $48 monthly. See the breakdown of the cheapest options in the table below.

Root Insurance Company offers the cheapest full coverage car insurance in Peoria at $87 per month. Below is the full list of providers and their rates.

To find affordable car insurance in Peoria, get quotes from several local companies. Root Insurance Company offers the cheapest rate at $885 annually. Auto-Owners Insurance Co is the best-rated provider with a MoneyGeek score of 88 and a rate of $949. Check the table below for more options to consider in your search.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,640 per year for 40-year-olds and $1,574 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Travelers offers the cheapest overall car insurance for teens in Peoria, with full coverage at $137 per month—saving you $89 compared to the state average. The table below highlights more affordable options for teens in the area.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Travelers offers the most affordable minimum coverage for young drivers at $55 per month, while Root Insurance Company provides the cheapest full coverage at $86 per month. Check the table below to see which providers offer the most affordable rates for different young driver profiles.

Root Insurance Company offers the most affordable auto insurance for young drivers at just $74 per month. For more details on affordable auto insurance, visit here. The table below shows other companies with competitive rates:

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Mercury and Auto-Owners Insurance Co offer the most affordable car insurance in the city, but remember, rates depend on various factors. Below, the table shows the cheapest providers for different driver and coverage profiles that may better fit you.

Travelers offers the cheapest monthly premium for seniors at $71 when considering both minimum and full coverage. Progressive follows closely with a rate of $76 per month. Below, a table shows options of top car insurance providers for seniors in Peoria.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

When looking at high-risk driver profiles, Peoria's rates for both minimum and full coverage are lower than the state average. Drivers with bad credit and DUIs pay the most for car insurance. Accidents and speeding tickets have less impact on the rates.

Progressive provides the cheapest minimum coverage for drivers with a DUI at $707 annually in Peoria. For full coverage, Root Insurance Company is the most affordable at $1,152 per year. Check out the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

For drivers with an at-fault accident record in Peoria, Travelers, State Farm, and Root Insurance Company offer the most affordable options. Explore more about the cheapest auto insurance after an at-fault accident. Below, a table will show you different providers in Peoria offering cheap car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Auto-Owners Insurance Co is the cheapest car insurance provider for drivers with a speeding ticket in Peoria, with rates at $55 for minimum coverage and $104 for full coverage. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Mercury offers the most affordable rates for drivers with bad credit in Peoria for state minimum coverage at $61 monthly. For full coverage, Root Insurance Company leads at $111 monthly. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Arizona, each city's car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $15,000 for property damage liability per accident.

For example, if you're involved in an accident, your insurance covers up to $25,000 per injured person, $50,000 per accident, and $15,000 for property damage. This minimum coverage helps protect you financially in case of accidents.

Mercury shines as Peoria's cheapest minimum coverage provider at just $44, while Root Insurance Company leads with affordable full coverage at $87. Diverse options abound for all—whether you're young, a senior, or rebuilding credit. Remember, your policy must include Arizona's required bodily injury and property damage coverage. By comparing rates, secure the protection you need at a price that fits your wallet.

This FAQ section delivers quick answers to common questions about finding affordable and quality car insurance options in Peoria. Learn about state minimum coverage and how to secure the best deals without breaking the bank.

MoneyGeek conducted an analysis of Peoria auto insurance prices using data from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services.

Peoria Driver Profile

To assess the best and most affordable auto insurance options for Peoria residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Peoria

In assessing the car insurance quotes for Peoria, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Arizona's mandated liability insurance parameters:

The minimum coverage requirements in Arizona are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $15,000 for property damage liability per accident.

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

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

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

We adjusted the scoring in certain categories as follows:

• In the best customer service category, affordability was assigned a score of zero, while the scores for customer satisfaction, claims and coverage received an additional 10 possible points each.
• For the best minimum coverage category, the maximum points for satisfaction were reduced to 25, and maximum points for affordability increased to 40.
• We calibrated the affordability scores based on the quoted rates, which varied with the sample driver’s age or driving record.
• We also made qualitative evaluations for instances where certain insurers had coverage options that their competitors did not offer.

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Arizona providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Peoria
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Peoria.

For more details on our evaluation process, you can view MoneyGeek's methodology.