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Cheapest recent rates near Peoria, Illinois
Drivers in and around Peoria, Illinois have found policies from The General, Freedom National, Safeco, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Peoria, Illinois within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Peoria, Illinois within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Peoria pay an average of $119 per month for car insurance, which is close to the Illinois state average of $126 and less than the overall national average of $152. The cheapest insurers in Peoria are Auto-Owners, State Farm, and Progressive, but you should always compare quotes to find the best rates.
Several factors can explain why Peoria drivers typically pay less for coverage than the average U.S. driver, including population density and traffic congestion.[1] Drivers in suburban areas like Peoria typically pay less for coverage than residents of urban environments because of reduced traffic congestion and risk of accidents.
Here’s what you need to know about finding cheap coverage in Peoria.
Quick Facts
Peoria drivers pay $77 per month for liability coverage and $160 for full-coverage insurance, on average.
Illinois is an at-fault state, so the driver who caused the accident is responsible for covering the resulting damages and injuries.[2]
In addition to liability coverage, all Illinois auto insurance policies must include a minimum of uninsured motorist bodily injury coverage.[3]
Cheapest car insurance companies in Peoria
Car insurance rates vary quite a bit from one company to the next, and so, too, can the products and services insurance companies offer. The cheapest car insurer for you isn’t necessarily the one with the cheapest average rates. Rather, it’s the one that has the lowest rates for you specifically, based on factors like your driving record, the car you drive, and the coverages you need.
The quotes below reflect the average rates for top insurers in Illinois.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$30/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$55/mo
4.0
Best choiceBased on 153 verified guest reviews and ratings
▲
Auto-Owners's score
▲▼
Industry average
▲▼
Coverage options
3.9
3.2
Customer service
3.7
3.6
Discounts
3.5
2.9
Policy transparency
3.8
3.1
Value
3.5
2.9
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (94)
Tammy
January 13, 2025
Verified Review
Affordable Insurance in Michigan
The insurance is affordable.
Allen
January 12, 2025
Verified Review
Excellent
Absolutely no problems.
Michael
January 6, 2025
Verified Review
Pleased
I have had a positive experience with Auto-Owners company and personnel.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners is one of the top 20 largest insurers in the U.S. Founded in 1916, the company sells car, home, life, and commercial insurance policies. It offers affordable average rates and several car insurance discounts, including savings for having multiple policies with the insurer, paying your premium in full, choosing a higher deductible, and more.
Auto-Owners earned a financial strength rating of A++ (Superior) from AM Best, and the company has significantly fewer customer complaints than the industry average for a company of its size, according to the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.
Pros
Above-average J.D. Power customer satisfaction rating in the North Central region
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$32/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$60/mo
4.2
Best choiceBased on 9,440 verified guest reviews and ratings
▲
State Farm's score
▲▼
Industry average
▲▼
Coverage options
4.2
3.2
Customer service
4.1
3.6
Discounts
4
2.9
Policy transparency
4
3.1
Value
4
2.9
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,195)
Graylin
January 18, 2025
Verified Review
The service is good, but the price is a bit high for my age and clean driving record. I haven't had any DUIs or tickets for over 6 years.
The service is good, but the price is a bit high for my age and clean driving record. I haven't had any DUIs or tickets for over 6 years.
Chris
January 18, 2025
Verified Review
Dishonest and Untrustworthy
Mediocre at best, they keep changing their rates. They keep raising their income to help themselves, never explaining what their issues are. They trap you in, making you think you have no choice.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
In business for more than 100 years, State Farm offers a robust selection of insurance products, including auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business policies.
A city with an international airport and an attraction-rich downtown, Peoria provides good opportunities for rideshare drivers. State Farm’s rideshare insurance allows drivers to get the same insurance protection while they’re driving in the app as when they’re not. This coverage typically only adds 15% to 20% to your regular premium.
Pros
AM Best financial strength rating of A++ (Superior)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$69/mo
4.2
Best choiceBased on 68 verified guest reviews and ratings
▲
Mile Auto's score
▲▼
Industry average
▲▼
Coverage options
3.9
3.2
Customer service
3.7
3.6
Discounts
4
2.9
Policy transparency
3.8
3.1
Value
4
2.9
Reviews (36)
Richard
January 13, 2025
Verified Purchase
Loose Time Frames
They give you two days to submit a picture of your mileage, and then they threaten to charge you for 40 miles a day.
James
January 13, 2025
Verified Purchase
So far, so good. It's better than paying six or seven hundred a month. I'll let others know. Thanks.
So far, so good. It's better than paying six or seven hundred a month. I'll let others know. Thanks.
Matthew
January 9, 2025
Verified Purchase
Great Cheap Auto Insurance!
Give them a try if you are a new driver and drive an old car that will get totaled in any accident due to the repair costs exceeding the fair market value of your car.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Mile Auto bases your rate on the number of miles you drive. If you have coverage from the company, you’ll need to send a photo of your odometer each month, and Mile Auto will charge you a base rate plus a per-mile rate.
Pay-per-mile insurance makes sense for Peoria drivers, where most places are within 15 or 20 minutes. Mile Auto claims low-mileage drivers can save up to 40% on coverage compared to a standard car insurance policy.
Pros
No telematics device needed
Savings for low-mileage drivers
Cons
Limited coverage options
No advertised discounts or bundling opportunities
How to get the cheapest car insurance in Peoria
Auto insurance companies consider many factors when determining your insurance rates.[4] The amount of coverage you’re purchasing, your driving history, how much you drive and where, the type of car you drive, and where you keep your car can all influence how much you pay for auto coverage. Your credit history, age, and gender also play a role.
Finding the best car insurance rates is easier when you take a proactive approach. Check out the following tips for earning lower premiums:
Compare rates. Compare rates from a few different insurers to make sure you’re getting the best rate for the coverage you need.
Clean up your credit. Bringing past-due accounts current and paying down balances could help you qualify for a lower rate.
Safeguard your car. Peoria is the eighth-largest city in Illinois, but it has more auto thefts than any city in the state except for Chicago, according to data from the FBI.[5] Moving your car from the street to a driveway or garage and installing an anti-theft device could reduce your insurance rate.
Find Cheap Car Insurance in Peoria, Illinois
Liability-only coverage starts at $30 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Peoria: Auto-Owners
When you cause a car accident, liability insurance covers the medical expenses and property damages of the other driver and their passengers. With an average monthly rate of $77, Peoria’s liability-only car insurance costs are lower than the state average of $126 per month.
Auto-Owners is the cheapest insurer for liability-only car insurance in Peoria, with an average cost of $30 per month.
You can see how Auto-Owners compares to other low-cost auto insurers in the following table:
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$30
State Farm
$32
Progressive
$36
GEICO
$43
Mile Auto
$43
COUNTRY Financial
$45
Erie
$49
USAA
$53
American Family
$57
Direct Auto
$60
Mercury
$62
Clearcover
$66
Nationwide
$67
Travelers
$72
Farmers
$77
National General
$79
Allstate
$80
Safeco
$86
GAINSCO
$90
The General
$90
Bristol West
$94
Elephant
$94
Dairyland
$95
State Auto
$101
Foremost
$132
Liberty Mutual
$141
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Peoria: Auto-Owners
Full-coverage car insurance includes liability coverage as well as collision and comprehensive coverage, which extends coverage to your own losses.
Collision coverage is for accidents involving another vehicle or a stationary object, such as a fence or telephone pole. Comprehensive insurance covers non-collision mishaps such as fire, theft, vandalism, a tree falling on your car, and windshield damage. It also covers you when you hit a deer or other animal (or if it runs into you).
On average, Peoria drivers pay $160 per month for full-coverage car insurance. Compare quotes from the cheapest car insurance companies for full coverage in Peoria below.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$55
State Farm
$60
Mile Auto
$69
GEICO
$79
COUNTRY Financial
$83
Erie
$91
USAA
$96
Clearcover
$103
American Family
$104
Progressive
$113
Mercury
$114
Nationwide
$123
Direct Auto
$126
Travelers
$132
Farmers
$141
Safeco
$143
Allstate
$148
Elephant
$163
National General
$168
State Auto
$185
The General
$213
GAINSCO
$229
Dairyland
$233
Bristol West
$234
Liberty Mutual
$256
Foremost
$319
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Peoria, Illinois
Drivers in and around Peoria, Illinois have found policies from The General, Bristol West, National General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Peoria, Illinois within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Peoria, Illinois within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Illinois
Illinois is an at-fault state, which means the driver who caused the accident must cover the other driver’s injuries and property damage.
Motor vehicles registered and driven in Illinois must carry liability insurance for bodily injury and property damage. All liability policies include uninsured motorist coverage, which protects you if you have an accident with an uninsured driver.
Here are the minimum liability requirements for Illinois drivers:
The following coverages are optional, but you should consider purchasing them to more fully protect your vehicle and finances:
Collision coverage
Collision coverage pays for your damages if you have an accident, even if you caused it.
Comprehensive coverage
Comprehensive coverage pays for vehicle repairs or replacement following damage from non-collision events, like severe weather, fire, or theft.
Medical payments coverage
Medical payments coverage can pay for medical expenses you or your passengers incur in a crash, up to a certain limit.
Uninsured property damage coverage
If you have an accident with an uninsured driver, this can cover your personal property damages.
Illinois Automobile Insurance Plan
ILAIP
If you need auto insurance coverage but can’t find an insurance company to insure you, the Office of the Illinois Secretary of State recommends that you ask your insurance agent about the Illinois Automobile Insurance Plan (ILAIP). High-risk drivers who can’t find coverage elsewhere can find suitable coverage from this option.
Cheapest car insurance for drivers with an incident
An incident refers to any moving violation your insurer can see on your driving record or that prompts you to file an insurance claim. As a result of the report or claim, your insurer might increase your rates to adjust for the higher amount of risk you pose.
Monthly rates for drivers with an incident start at $38
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speeding tickets can result in increased car insurance premiums because violations on your driving record make you a riskier driver to insure. However, your rate is unlikely to change until your policy is up for renewal, which gives you time to shop around. How much more you’ll pay will depend on other violations on your record and the severity of the offense.
On average, Peoria drivers with a speeding ticket on their record pay $164 per month for car insurance.
The following table illustrates how a speeding ticket can affect your insurance rate in the city.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Auto-Owners
$30
$39
State Farm
$32
$41
Progressive
$36
$46
GEICO
$43
$55
Mile Auto
$43
$55
COUNTRY Financial
$45
$60
Erie
$49
$65
USAA
$53
$68
American Family
$57
$74
Direct Auto
$60
$78
Mercury
$62
$86
Clearcover
$66
$85
Nationwide
$67
$87
Travelers
$72
$94
Farmers
$77
$99
National General
$79
$102
Allstate
$80
$103
Safeco
$86
$113
GAINSCO
$90
$124
The General
$90
$119
Bristol West
$94
$122
Elephant
$94
$117
Dairyland
$95
$122
State Auto
$101
$140
Foremost
$132
$183
Liberty Mutual
$141
$195
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Though you might not face a penalty for filing a single claim for an accident caused by another driver, filing one for an accident you caused will likely increase your rate for the next few years.[6] How much it increases varies by insurance company, and it may also depend on the circumstances of the accident and your driving history prior to the accident.
Drivers in Peoria with a past at-fault accident pay $181 per month for car insurance, on average. Compare quotes from some of the cheapest insurers in the city below.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Auto-Owners
$30
$42
State Farm
$32
$44
Progressive
$36
$51
GEICO
$43
$60
Mile Auto
$43
$61
COUNTRY Financial
$45
$66
Erie
$49
$70
USAA
$53
$74
American Family
$57
$80
Direct Auto
$60
$86
Mercury
$62
$93
Clearcover
$66
$99
Nationwide
$67
$94
Travelers
$72
$101
Farmers
$77
$107
National General
$79
$110
Allstate
$80
$112
Safeco
$86
$120
GAINSCO
$90
$121
The General
$90
$129
Bristol West
$94
$132
Elephant
$94
$129
Dairyland
$95
$132
State Auto
$101
$151
Foremost
$132
$196
Liberty Mutual
$141
$209
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Due to the severity of the offense, a DUI results in a number of penalties. Illinois allows auto insurers to cancel policies when a driver has driven while intoxicated within the past 36 months.[7] Whether your insurer offers you coverage afterward or if you need to switch companies, you’ll pay a much higher rate with a DUI conviction on your record.
The average cost of car insurance for a Peoria driver with a past DUI is $205 per month. Insurance increases after a DUI vary by insurer, but as you can see from the insurers below, you’ll typically pay significantly more.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Auto-Owners
$30
$50
State Farm
$32
$54
Progressive
$36
$61
GEICO
$43
$72
Mile Auto
$43
$72
COUNTRY Financial
$45
$76
Erie
$49
$82
USAA
$53
$89
American Family
$57
$96
Direct Auto
$60
$101
Mercury
$62
$98
Clearcover
$66
$111
Nationwide
$67
$113
Travelers
$72
$121
Farmers
$77
$130
National General
$79
$133
Allstate
$80
$135
Safeco
$86
$136
GAINSCO
$90
$151
The General
$90
$151
Bristol West
$94
$158
Elephant
$94
$158
Dairyland
$95
$160
State Auto
$101
$170
Foremost
$132
$222
Liberty Mutual
$141
$237
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Your age influences how much you pay for car insurance. Drivers older than 35 and younger than 70 pay the lowest average rates for car insurance, benefitting from years of driving experience. However, drivers 70 and older have a higher risk of serious injury or death in an accident.[8] By age 70, many insurers may increase rates to reflect that risk.
Senior drivers in Peoria pay an average of $88 per month for car insurance. The following table shows the cheapest average quotes for senior drivers from top insurers in Peoria.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$22
$41
State Farm
$23
$44
Progressive
$24
$77
Mile Auto
$31
$49
GEICO
$32
$60
COUNTRY Financial
$35
$64
Erie
$36
$66
USAA
$40
$73
American Family
$42
$77
Direct Auto
$44
$92
Mercury
$47
$86
Nationwide
$47
$87
Travelers
$53
$98
Clearcover
$55
$85
Farmers
$57
$104
National General
$57
$121
Allstate
$61
$112
The General
$69
$162
Safeco
$70
$117
Bristol West
$71
$178
GAINSCO
$71
$182
Dairyland
$72
$176
Elephant
$72
$124
State Auto
$72
$132
Foremost
$100
$242
Liberty Mutual
$112
$203
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teen drivers have an accident rate that’s four times higher than that of drivers age 20 or older, according to the Insurance Institute for Highway Safety (IIHS).[9] Due to this and a lack of driving experience, teenagers pay much higher car insurance rates than older drivers.
The Insurance Information Institute offers the following tips for young drivers to save money on coverage:[10]
Compare quotes.
Take a driver’s education course.
Maintain a “B” average to earn good student discounts.
Leave the car at home if attending a college or university 100 miles or more away from home.
Only drive the family’s least-valuable car.
Select a higher deductible.
The average cost of car insurance for teen drivers in Peoria is $224 per month. As you can see in the table below, rates vary from one insurance company to the next.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$53
$97
State Farm
$59
$110
Progressive
$66
$209
COUNTRY Financial
$69
$127
GEICO
$74
$135
Erie
$87
$162
Mile Auto
$88
$141
USAA
$95
$171
American Family
$104
$190
Mercury
$115
$211
Direct Auto
$116
$243
Clearcover
$125
$195
Nationwide
$125
$229
Travelers
$138
$253
Farmers
$143
$261
Allstate
$152
$281
The General
$152
$359
Dairyland
$161
$395
Elephant
$162
$282
GAINSCO
$163
$416
National General
$163
$348
Bristol West
$167
$417
Safeco
$171
$285
State Auto
$190
$348
Foremost
$248
$600
Liberty Mutual
$254
$461
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Peoria car insurance quotes by credit tier
Your credit history is a good predictor of whether you’re likely to file an insurance claim. Illinois allows auto insurers to consider your credit when calculating insurance rates. Drivers with excellent or good credit scorespay less than drivers with poor credit scores.
If you have poor or average credit, you can start improving your credit score in just a few days and see real progress within a month or two by catching up on overdue accounts and paying down debt.
Here are the average car insurance rates for Peoria drivers by credit tier.
Rates by Credit Tier
Category
▲▼
Price
▲▼
Excellent
112
Good
132
Fair
145
Poor
225
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Peoria?
Peoria drivers pay $119 per month for car insurance, which is close to the overall state average but much less than the Chicago average of $161.
It’s unsurprising that Peoria drivers typically pay less for coverage than Chicago residents, due to the size and population density of Chicago. Peoria drivers likely benefit from lower premiums due to the lower rates of traffic congestion and motor vehicle theft that often come with a suburban area.
More cities in Illinois
Car insurance premiums vary by city and even ZIP code, depending on factors like crime rates, population, cost of living, and more. Below, you can see what drivers in other Illinois cities pay for car insurance.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Peoria car insurance FAQs
Before you start shopping around for car insurance, you should determine how much coverage you need. The information below should help you navigate the process of finding cheap car insurance in Peoria.
How much is car insurance in Peoria?
The average monthly cost of car insurance in Peoria is $119. Drivers pay $77 per month for liability coverage and $160 for full-coverage insurance, on average. Your specific premium will depend on your driving record, credit history, age, and more.
Which company has the cheapest car insurance in Peoria?
The best way to find cheap car insurance is to compare quotes from multiple insurers at once. The cheapest car insurance company in Peoria is Auto-Owners, with an average rate of $30 per month for liability insurance.
What are the best car insurance companies in Peoria?
With an A++ (Superior) financial strength rating from AM Best, an Insurify Quality (IQ) score of 4.4 out of 5, and cheap average rates, State Farm is the best car insurance company in Peoria. Other top insurers include Auto-Owners and Mile Auto.
What is the Illinois minimum car insurance?
Illinois drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage.
How much is insurance a month in Illinois?
On average, Illinois drivers pay $126 per month for car insurance. The average cost of liability coverage is $80 per month, and full-coverage insurance costs $171.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
Daria has been a contributor at Insurify since October 2022.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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