Best Peoria, Arizona Auto Insurance in 2025 (Your Guide to the Top 10 Companies)

When searching for the best Peoria, Arizona auto insurance, Progressive, Erie, and AAA stand out for their competitive rates and comprehensive coverage options.

Progressive leads the pack with its starting rates as low as $58 per month, making it the top choice for budget-conscious drivers. ntinue reading our full “Auto insurance discounts to Ask for” guide for extra tips.

Erie and AAA also offer exceptional value and robust protection, ensuring you get the best coverage tailored to your needs. Explore your options with these top providers to find the best fit for your auto insurance needs in Peoria.

Our Top 10 Company Picks: Best Peoria, Arizona Auto Insurance

Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.

#1 – Progressive: Top Overall Pick

Pros

• Policy Options: Offers insurance options, allowing Peoria, AZ drivers to customize coverage to their needs, from basic liability to full protection, as noted in our Progressive auto insurance review.
• Digital Tools: With an easy-to-use app and website, the digital platform makes insurance management efficient for Peoria, AZ consumers, handling everything from policies to claims.
• Snapshot® Program: Through a device or app, Peoria, AZ drivers can track their driving patterns with Progressive’s Snapshot® program, which provides insights and possible discounts for safe driving.

Cons

• Complex Coverage Options: The abundance of add-ons and choices can overwhelm Peoria, Arizona drivers, requiring meticulous research to navigate the labyrinth of available options.
• Customer Service: Despite 24/7 availability, the quality of Progressive’s customer service can be hit-or-miss, with some Peoria, Arizona customers experiencing delays or unsatisfactory resolutions.

#2 – Erie: Best for Competitive Rates

Pros

• Competitive Rates: Top choice for affordable insurance, offering low rates to Peoria, AZ residents with excellent credit and driving records, making it ideal for those seeking quality coverage and savings.
• Accident Forgiveness: By avoiding premium increases following an initial liable collision, Erie’s accident forgiveness provides drivers in Peoria, AZ with peace of mind, confidence, and financial stability.
• Coverage Features: Offers Peoria, AZ drivers extra protection, covering stolen personal items and pet injuries, providing a safety net beyond standard coverage, as noted in our Erie auto insurance review.

Cons

• Limited Availability: For continued coverage, Peoria, Arizona customers who relocate outside of Erie’s service region may need to transfer providers as Erie’s coverage isn’t offered in all states.
• Premium Increases: Premiums start competitively but may rise more sharply over time, with some Peoria, AZ residents noticing rate increases as policies mature, affecting long-term affordability.

#3 – AAA: Best for Exclusive Membership Benefits

Pros

• Membership Benefits: AAA membership in Peoria, AZ, enhances auto insurance with benefits like airfare discounts and special lodging rates, while providing savings on travel and vehicle maintenance.
• Coverage Options: Provides a wide range of coverage options, including specialty insurance for classic cars and RVs, ensuring Peoria, Arizona drivers with unique needs can find the protection they require.
• Safe Driver Discounts: Incentives for safe driving and loyalty: AAA offers substantial savings to Peoria, Arizona drivers who maintain continuous coverage and have no accidents on their record.

Cons

• Membership Fees: To access AAA insurance in Peoria, Arizona, a membership must be purchased, adding a cost not typically required by other insurers, which may result in higher overall expenses.
• Premiums:  According to AAA auto insurance review, drivers in Peoria, AZ premiums are Often greater than those of competitors. Even so, the benefits might exceed the expenses.

#4 – Liberty Mutual: Best for Coverage Options

Pros

• Coverage Options: Liberty Mutual offers a broad spectrum of coverage options tailored to meet diverse needs, including unique add-ons like new car replacement and rental car coverage.
• Customizable Policies: With Liberty Mutual, Peoria, AZ residents have the flexibility to customize their policies. This means they can adjust their coverage to precisely match their needs.
• Generous Discounts: According to Liberty Mutual auto insurance review, drivers in Peoria, AZ can get savings for bundling home and auto insurance, and installing anti-theft devices.

Cons

• Complex Policy: Drivers in Peoria, AZ should read their policies to fully comprehend and take advantage of the benefits, as extensive customizing possibilities may result in intricate policy details.
• Local Agents: For people who would rather manage their insurance in person, Liberty Mutual may have a limited network of local brokers in Peoria, Arizona.

#5 – State Farm: Best for Competitive Prices

Pros

• Competitive Prices: Cost-conscious drivers may consider State Farm because of its reputation for low rates in Peoria, Arizona, particularly for bundled insurance and drivers with spotless records.
• Comprehensive Coverage: Cost-conscious drivers may consider State Farm because of its reputation for low rates in Peoria, AZ, particularly for bundled insurance and drivers with spotless records.
• Digital Tools: According to State Farm auto insurance review website and app allow Peoria, AZ customers to file claims and make payments, ensuring an efficient insurance experience.

Cons

• Limited Discounts: Limited discount offerings may provide fewer opportunities for Peoria, AZ drivers to lower insurance costs compared to competitors, limiting those seeking extensive savings.
• Customer Service: Although many Peoria, Arizona consumers are pleased with State Farm’s service, some have had mixed results, including poor service quality and delays in processing claims.

#6 – Farmers: Best for Diverse Coverage

Pros

• Diverse Coverage: Offers a coverage options, including specialized add-ons like rideshare and classic car insurance, making it a great choice for Peoria, AZ drivers with specific coverage needs.
• Abundant Discounts: Offers various discounts for Peoria, AZ drivers, including savings for bundling policies and maintaining a clean driving record, resulting in significant premium reductions.
• Customizable Policies: Drivers in Peoria, AZ may fully tailor their insurance policy with Farmers, ensuring that they only pay for the coverage they require while still receiving comprehensive protection.

Cons

• Service Quality: Numerous Peoria, Arizona customers are not entirely satisfied with Farmers’ customer service, citing inconsistent help and delays in processing claims as reasons.
• Rate Increases: Premiums may increase more often, which could affect long-term affordability for Peoria, AZ drivers, despite initially competitive rates, as noted in our Farmers auto insurance review.

#7 – American Family: Best for Diverse Coverage

Pros

• Diverse Coverage: Offers insurance options, from basic liability to comprehensive umbrella policies, allowing Peoria, Arizona, drivers to find coverage tailored to their needs and lifestyle.
• Customizable Policies: Offers customizable insurance policies, allowing Peoria, AZ, consumers to adjust coverage specifics and payment options to perfectly match their unique needs and preferences.
• Generous Discounts: Provides discounts for Peoria, AZ, drivers to obtain discounts by combining policies and equipping cars with safety features, according to American Family auto insurance review.

Cons

• Complex Polic: Insurance policies offer extensive options and customization, which can be complex and intimidating for Peoria, AZ drivers due to the abundance of choices and technical jargon.
• Inconsistent Discounts: Provides a range of discounts; their impact and availability can vary, resulting in different savings for drivers in Peoria, Arizona, depending on their unique situation.

#8 – Travelers: Best for Coverage Options

Pros

• Coverage Options: Travelers provides a variety of insurance alternatives, from full-limit coverage to simple liability, all designed to satisfy the various needs of drivers in Peoria, Arizona.
• Digital Tools: Drivers in Peoria, AZ, benefit immensely from the digital platform, which provides cutting-edge features for smoothly managing policies and keeping an eye on accounts.
• Strong Discounts: according to Travelers auto insurance review, Residents of Peoria, Arizona, are eligible for savings on installing safety features and combining insurance.

Cons

• Local Presence:The efficacy and accessibility of local agents in Peoria, Arizona, can differ despite Travelers’ extensive network, which affects individualized care and client happiness.
• Discount Availability: Drivers in Peoria, Arizona, may receive varying discounts and savings from travelers, resulting in uneven financial assistance depending on personal circumstances.

#9 – Allstate: Best for Insurance Options

Pros

• Insurance Options: With Allstate’s extensive selection of alternatives, Peoria, Arizona, drivers can pick a policy that meets their needs, ranging from basic liability to specialist coverage plans.
• Digital Tools: Drivers in Peoria, AZ, may effortlessly manage policies, claims, and insurance information with Allstate’s digital services, which include an easy-to-use app and website.
• Competitive Discounts: In Peoria, AZ, drivers can save on rates with various discounts, including savings for installing safety features, maintaining a clean driving record, and bundling policies.

Cons

• Higher Premiums: Premium rates may be higher for Peoria, Arizona, drivers with less-than-ideal credit or driving records, affecting affordability and prompting careful consideration of options.
• Complex Policy: Extensive coverage options can create complex policies for Peoria, AZ, drivers requiring time to review the details of the right coverage, as noted in our Allstate auto insurance review.

#10 – Geico:  Best for Competitive Rates

Pros

• Competitive Rates: Offers affordable premiums, making it a great choice for cost-conscious drivers in Peoria, AZ, while providing high-quality service, as noted in our eico auto insurance review.
• Digital Experience: Drivers in Peoria, Arizona, can effortlessly handle policies, submit claims, and get assistance thanks to Geico’s digital tools, which offer a flawless user experience.
• Quick Quote Process:  Thanks to its streamlined approach, potential drivers in Peoria, Arizona, can rapidly obtain estimates from Geico’s online quotation system without interacting with an agent.

Cons

• Higher Rates: While Geico is known for affordable premiums, certain drivers in Peoria, Arizona (e.g., those with poor credit or driving records) may find their rates higher than those of other insurers.
• Additional Benefits:  Compared to other insurers in Peoria, Arizona, Geico might not provide as many extra benefits (such as roadside assistance or accident forgiveness).

Peoria, AZ Car Insurance Rates by ZIP Code: Monthly Breakdown

Understanding how car insurance rates vary by ZIP code can help Peoria, AZ, residents find the most cost-effective options for their coverage. Discover our comprehensive guide to “Auto insurance rates by ZIP code” for additional insights.

Peoria, Arizona Auto Insurance Monthly Rates by Provider & Coverage Level

This monthly breakdown provides a detailed look at insurance rates across different ZIP codes in Peoria, offering insights into how location-specific factors can influence your premiums. By examining these variations, you can better assess your insurance needs and make informed decisions about your policy.

Auto Insurance Discounts From the Top Providers in Peoria, Arizona

With a clear view of how car insurance rates fluctuate across Peoria’s ZIP codes, you’re better equipped to select a policy that fits your budget and coverage requirements.

Find more info about the monthly Peoria, AZ car insurance rates by ZIP Code below:

Stay informed and take advantage of the detailed rate insights provided to find the best insurance deals tailored to your specific area. For the most accurate and personalized advice, always consult with your insurance provider.

Peoria, AZ Car Insurance Rates Compared to Major US Metro Areas

The city in which you reside can significantly impact your car insurance rates. Therefore, it’s crucial to compare auto insurance rates in Peoria, AZ, with those in other leading metropolitan areas across the United States. For further details, check out our in-depth “Minimum Auto Insurance Requirements by State” article.

Peoria, AZ Auto Insurance Rates vs. Top US Metro Auto Insurance Rates

Doing so will give you a clearer perspective on how local factors influence your insurance costs and help you make more informed decisions about your coverage. Ready to find affordable Peoria, AZ, auto insurance? Enter your ZIP code above to get started.

Finding the Cheapest Auto Insurance Company in Peoria, AZ

Geico is the most affordable auto insurance provider in Peoria, AZ. The USAA and Travelers are closely followed, and they also offer competitive rates. It’s important to note, however, that USAA’s coverage is exclusively available to military veterans and their immediate families, which may limit its accessibility for some drivers.

Peoria, AZ Auto Insurance Rates by Company vs. City Average

In Peoria, the auto insurance companies offering rates below the average are Geico, USAA, Travelers, and Nationwide. You can further reduce your annual auto insurance expenses by leveraging the right discounts. Insurance providers assess various factors to determine your rates, including age, gender, marital status, driving record, and credit history.

Among these, your driving record is the most influential. A clean driving record can earn you discounts ranging from 15% to 40%. Conversely, high-risk insurance, needed for those with violations or accidents, will be significantly more expensive. Additionally, a strong credit score can further lower your rates.

Your location also plays a role. Living in a safer neighborhood can result in considerable savings on insurance. In Peoria, the most affordable ZIP code is 85373, where the average monthly cost is $322.

Peoria, AZ Auto Insurance Rates by Company and Age

For younger male drivers under 25, insurance quotes can exceed $9,500 per year, while senior drivers might pay around $2,300 annually. It’s crucial to compare auto insurance rates by company and age, as the best insurer for one age group may not be the most suitable for another. Typically, insurance for teens and young drivers is the most costly.

Learn more in our article: Cheapest Teen Driver Auto Insurance in Arizona

The level of coverage you choose will greatly impact your auto insurance rates in Peoria, AZ. The types of car insurance you choose will impact your rates.

Your credit score will play a major role in your Peoria, AZ, auto insurance rates since auto insurance companies use credit scores to determine rates. Find the cheapest Peoria, Arizona auto insurance rates by credit score below.

The Cheapest Peoria, AZ Auto Insurance Rates by Credit Score

Your driving record will affect your Peoria auto insurance rates. For example, a Peoria, Arizona DUI may increase your auto insurance rates by 40 to 50 percent. Cheap auto insurance for drivers with a DUI is not easy to find. Find the cheapest Peoria, Arizona auto insurance rates by using your driving record.

The Cheapest Peoria, AZ Auto Insurance Rates by Driving Record

Car insurance quotes in Peoria, Arizona, are influenced by a number of factors, including your credit score, fines, DUI history, and coverage level. You may get the most affordable vehicle insurance in Peoria, Arizona, by managing these risk variables.

These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. However, age is still a big factor because young drivers are considered high-risk drivers in Peoria. Arizona does use gender, so check out the average monthly auto insurance rates by age and gender in Peoria, AZ. Car insurance rates are more for males on average.

Minimum Auto Insurance Coverage Requirements in Peoria, AZ

It is imperative that all drivers are aware of the minimum requirements for auto insurance coverage in Peoria, Arizona.

State regulations require certain coverage levels in Peoria to guarantee drivers’ financial security in the event of an accident. Knowing these prerequisites can help you abide by the law and prevent fines.

Understanding Peoria’s minimal requirements for auto insurance coverage will help you to comply with the law and drive with confidence. Speaking with an insurance expert can help you make the best decision for your circumstances if you require more advice or would like to look into coverage alternatives beyond the necessary minimum.

Factors Influencing Auto Insurance Rates in Peoria, AZ

According to Data USA, the average Peoria resident spends about 27 minutes commuting to work each day. If you have a shorter commute or drive less frequently, you might qualify for discounts on your auto insurance premiums. Learn more by visiting our detailed “Auto Insurance Premium Defined” section.

Peoria, Arizona Report Card: Auto Insurance Premiums

In addition, the FBI’s annual statistics revealed that Peoria experienced 243 vehicle thefts in 2019. This high rate of auto theft can impact your auto insurance rates, particularly for comprehensive coverage. A higher incidence of vehicle theft typically leads to increased premiums for comprehensive insurance as insurers adjust rates to mitigate the risk.

Peoria, Arizona Auto Accident & Insurance Claim Statistics

Moreover, comprehensive coverage can be crucial for Peoria drivers, considering the local weather conditions that may cause damage to vehicles. Having adequate comprehensive coverage ensures you are protected from weather-related damages as well as theft.

Final Insights on Auto Insurance in Peoria, AZ

Auto insurance rates in Peoria, AZ tend to be higher than the state average for Arizona and the national average. This discrepancy highlights the importance of actively seeking out the best possible rates for your coverage. Read our extensive guide on “How to Compare Auto Insurance Quotes” for more knowledge.

To secure more affordable auto insurance, it’s crucial to shop around and compare different policies from various providers. Take the time to ask detailed questions about coverage options and available discounts. Many insurers offer savings for factors such as safe driving records, bundling multiple policies, or installing safety features in your vehicle.

Before committing to an auto insurance policy in Peoria, AZ, make sure to obtain quotes from multiple insurance companies across the state. This comparison will help you understand the range of rates and coverage options available, allowing you to make a more informed decision and potentially find a policy that better fits your budget. Enter your ZIP code below to get fast, free Peoria, AZ auto insurance quotes.