Peoria, AZ Auto Insurance (2023)
The cheapest auto insurance company in Peoria, AZ, is GEICO, which has an annual rate of $2,512 ($209/mo), which is lower than the Peoria, AZ average. However, Peoria, AZ auto insurance rates vary for each person. Some of those factors can lead you to cheap Peoria, AZ auto insurance quotes, including having a good driving record and a short commute time.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- On average, Peoria, AZ auto insurance rates are $350/mo on average, $263 more expensive than the national average
- Geico is the cheapest auto insurance company in Peoria, Arizona
- Secure cheap auto insurance by maintaining a clean driving record
On average, Peoria, AZ auto insurance rates are $4,195 per year. This puts Peoria’s average rate $424 more than the average for Arizona auto insurance.
However, Peoria, AZ auto insurance quotes vary depending on the company and other factors that affect auto insurance.
We’re here to help. Our guide explains how you can secure cheap auto insurance in Peoria, Arizona, for every age, credit history, and driving record.
Monthly Peoria, AZ Car Insurance Rates by ZIP Code
Find more info about the monthly Peoria, AZ car insurance rates by ZIP Code below:
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Peoria, AZ Car Insurance Rates vs. Top US Metro Car Insurance Rates
Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Peoria, AZ against other top US metro areas’ auto insurance rates.
Ready to find affordable Peoria, AZ auto insurance? Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Peoria, AZ?
The cheapest auto insurance company in Peoria, AZ, is Geico. The following most affordable companies are USAA and Travelers. However, USAA is only available for military veterans and their immediate families.
Here are the best auto insurance companies in Peoria, Arizona, ranked from cheapest to most expensive:
- Geico auto insurance – $2,512
- USAA auto insurance – $2,937
- Travelers auto insurance – $3,498
- Nationwide auto insurance – $3,892
- Progressive auto insurance – $3,967
- American Family auto insurance – $4,555
- State Farm auto insurance – $5,062
- Allstate auto insurance – $5,371
- Farmers auto insurance – $5,960
Geico, USAA, Travelers, and Nationwide are the only companies in Peoria that provide cheaper than average auto insurance rates.
With the right car insurance discounts, you can lower your annual auto insurance costs.
Before you get any discount, auto insurance providers will inspect specific factors that determine your auto insurance rates, such as age, gender, marital status, driving record, and credit history.
The most significant factor is your driving record. Some auto insurance companies provide between 15%-40% off if you have a clean driving record. If you need high-risk auto insurance, it will cost a lot more. In addition to no traffic violations or accidents, a good credit score can lower your auto insurance rates even more.
Even your location is a factor. Your neighborhood ZIP code can save you hundreds more if you live in a safer address.
What’s the cheapest neighborhood in Peoria? The most affordable ZIP code in Peoria, Arizona, is 85373, and its average auto insurance cost is $322 per month.
If you’re a male driver under 25 years old, you could face auto insurance quotes that are over $9,500 per year. On the other hand, senior drivers may have auto insurance rates of about $2,300 per year.
Peoria, Arizona auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group. Auto insurance for teens and young drivers is usually the most expensive.
Your coverage level will play a significant role in your Peoria, AZ auto insurance rates. The types of car insurance you choose will impact your rates. Find the cheapest Peoria, Arizona auto insurance rates by coverage level below:
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.
Your driving record will affect your Peoria auto insurance rates. For example, a Peoria, Arizona DUI may increase your auto insurance rates 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 driving record.
Factors affecting auto insurance rates in Peoria, AZ may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Peoria, Arizona auto insurance.
These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But 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.
What are the minimum auto insurance coverage requirements in Peoria, AZ?
All drivers must have the minimum Arizona auto insurance requirements, which are:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $15,000 per incident for property damage
- $25,000 per person and $50,000 per accident for UM/UIM uninsured motorist coverage
Some auto insurance agents may recommend uninsured/underinsured motorist coverage to cover the gaps in insurance.
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What affects auto insurance rates in Peoria, AZ?
Did you know that your daily drive to work and a city’s motor vehicle theft affect Peoria, AZ auto insurance quotes?
According to Data USA, it takes the average Peoria driver 27 minutes to get to work. If you drive your car less, you can receive a discount on auto insurance.
The FBI annual statistics reported that Peoria had 243 auto thefts in 2019. What does this mean for Peoria auto insurance? Vehicle theft has a significant impact on comprehensive auto insurance. Therefore, higher rates of motor vehicle theft will certainly increase auto insurance costs.
Having adequate comprehensive auto insurance coverage can also come in handy when your car is damaged because of Peoria, Arizona weather.
Peoria, AZ Auto Insurance: The Bottom Line
The Arizona auto insurance average and national average are cheaper than the Peoria, AZ auto insurance average.
You can find cheap auto insurance by shopping around for the best policy. Ask questions and take advantage of discounts whenever they’re available.
Before you buy auto insurance in Peoria, AZ, be sure to compare rates with multiple Arizona auto insurance companies.
Enter your ZIP code below to get fast, free Peoria, AZ auto insurance quotes.
Frequently Asked Questions
What types of auto insurance coverage are available in Peoria, AZ?
Peoria, AZ offers various types of auto insurance coverage, including:
- Liability coverage: Covers the costs if you cause an accident and injure someone else or damage their property.
- Personal injury protection (PIP): Covers medical expenses and lost wages for you and your passengers, regardless of fault.
- Uninsured/underinsured motorist coverage: Protects you if you’re in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Collision coverage: Pays for repairs or replacement of your vehicle if it’s damaged in a collision.
- Comprehensive coverage: Covers damages to your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
Are there any specific auto insurance requirements in Peoria, AZ?
Peoria, AZ follows the state of Arizona’s auto insurance requirements. The minimum requirements include:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
Can I choose coverage limits higher than the state minimum requirements?
Yes, you can choose higher coverage limits than the state minimum requirements in Peoria, AZ. It’s recommended to evaluate your personal circumstances and consider purchasing additional coverage to provide better financial protection in case of an accident.
Do I need to consider any specific coverage options for Peoria, AZ?
While not specific to Peoria, AZ, there are additional coverage options you may want to consider based on your needs and circumstances. These options can include uninsured/underinsured motorist coverage, comprehensive coverage, collision coverage, and higher liability limits to protect yourself and your vehicle adequately.
How can I find affordable auto insurance in Peoria, AZ?
To find affordable auto insurance in Peoria, AZ, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record and avoid accidents or traffic violations.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, to potentially receive discounts.
- Inquire about available discounts, such as safe driver discounts, good student discounts, or discounts for certain safety features in your vehicle.
Can I purchase auto insurance online in Peoria, AZ?
Yes, you can purchase auto insurance online in Peoria, AZ. Many insurance companies offer online platforms where you can get quotes, customize coverage options, and purchase a policy directly through their website.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
