Cheapest Auto Insurance in Peoria, Illinois (2024)
Auto-Owners offers the cheapest liability insurance in the city, with an average monthly quote of $29.
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Updated November 20, 2024
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Table of contents
Drivers in Peoria pay an average of $122 per month for car insurance, which is close to the Illinois state average of $128 and less than the overall national average of $154. The cheapest insurers in Peoria are Auto-Owners, State Farm, and GEICO, 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 $78 per month for liability coverage and $167 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. ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $30 | $56 | Cheap rates |
| State Farm | 9.3 | $32 | $60 | Rideshare drivers |
| Mile Auto | 7.5 | $46 | $72 | Low-mileage drivers |
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 28,000 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.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| 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. | 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. | $29/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. | $53/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
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 (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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
Full-service insurance company
Cons
Quotes not available on website
Mobile app rating could improve
Best insurer for rideshare drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | 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. | $31/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. | $58/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
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 (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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)
Customizable coverage options
Cons
Gap insurance not available
Fewer discounts than some competitors
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| 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. | 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. | $44/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 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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 $29 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 $78, Peoria’s liability-only car insurance costs are lower than the state average of $128 per month.
Auto-Owners is the cheapest insurer for liability-only car insurance in Peoria, with an average cost of $29 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $29 |
| State Farm | $31 |
| GEICO | $41 |
| COUNTRY Financial | $43 |
| Progressive | $43 |
| Mile Auto | $44 |
| Erie | $47 |
| USAA | $51 |
| American Family | $54 |
| Mercury | $59 |
| Direct Auto | $63 |
| Nationwide | $64 |
| Clearcover | $68 |
| Travelers | $69 |
| Farmers | $73 |
| National General | $75 |
| Allstate | $77 |
| Safeco | $79 |
| GAINSCO | $90 |
| Elephant | $92 |
| Dairyland | $93 |
| The General | $93 |
| Bristol West | $95 |
| State Auto | $96 |
| Liberty Mutual | $132 |
| Foremost | $134 |
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 $167 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $53 |
| State Farm | $58 |
| Mile Auto | $69 |
| GEICO | $77 |
| COUNTRY Financial | $81 |
| Erie | $89 |
| USAA | $94 |
| American Family | $101 |
| Clearcover | $107 |
| Mercury | $112 |
| Progressive | $114 |
| Nationwide | $119 |
| Safeco | $127 |
| Travelers | $129 |
| Direct Auto | $137 |
| Farmers | $137 |
| Allstate | $144 |
| National General | $162 |
| Elephant | $165 |
| State Auto | $181 |
| GAINSCO | $227 |
| Dairyland | $233 |
| The General | $235 |
| Bristol West | $238 |
| Liberty Mutual | $247 |
| Foremost | $316 |
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
Recent Peoria, Illinois car insurance prices for Toyota, Nissan, RAM , and more.
*Quotes generated for Insurify users in and around Peoria, Illinois within the last 10 days. Last updated on November 20, 2024
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 November 20, 2024. 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 November 20, 2024
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 November 20, 2024. 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:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Uninsured motorist bodily injury | $25,000 per person / $50,000 per accident |
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.
Common incidents include at-fault accidents, speeding tickets, and driving under the influence. The average cost of car insurance in Peoria for a driver with an incident on their record is $164 per month.
Shop for Car Insurance in Peoria, IL
Monthly rates for drivers with an incident start at $37
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 $170 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $29 | $38 |
| State Farm | $31 | $40 |
| GEICO | $41 | $53 |
| COUNTRY Financial | $43 | $58 |
| Progressive | $43 | $55 |
| Mile Auto | $44 | $57 |
| Erie | $47 | $63 |
| USAA | $51 | $66 |
| American Family | $54 | $70 |
| Mercury | $59 | $82 |
| Direct Auto | $63 | $82 |
| Nationwide | $64 | $84 |
| Clearcover | $68 | $89 |
| Travelers | $69 | $90 |
| Farmers | $73 | $94 |
| National General | $75 | $98 |
| Allstate | $77 | $100 |
| Safeco | $79 | $104 |
| GAINSCO | $90 | $126 |
| Elephant | $92 | $128 |
| Dairyland | $93 | $121 |
| The General | $93 | $123 |
| Bristol West | $95 | $124 |
| State Auto | $96 | $134 |
| Liberty Mutual | $132 | $184 |
| Foremost | $134 | $187 |
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 $187 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $29 | $41 |
| State Farm | $31 | $43 |
| GEICO | $41 | $58 |
| COUNTRY Financial | $43 | $63 |
| Progressive | $43 | $61 |
| Mile Auto | $44 | $63 |
| Erie | $47 | $67 |
| USAA | $51 | $72 |
| American Family | $54 | $76 |
| Mercury | $59 | $88 |
| Direct Auto | $63 | $90 |
| Nationwide | $64 | $91 |
| Clearcover | $68 | $102 |
| Travelers | $69 | $97 |
| Farmers | $73 | $102 |
| National General | $75 | $105 |
| Allstate | $77 | $108 |
| Safeco | $79 | $110 |
| GAINSCO | $90 | $121 |
| Elephant | $92 | $126 |
| Dairyland | $93 | $129 |
| The General | $93 | $133 |
| Bristol West | $95 | $133 |
| State Auto | $96 | $146 |
| Liberty Mutual | $132 | $197 |
| Foremost | $134 | $200 |
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 $211 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $29 | $49 |
| State Farm | $31 | $52 |
| GEICO | $41 | $69 |
| COUNTRY Financial | $43 | $73 |
| Progressive | $43 | $73 |
| Mile Auto | $44 | $74 |
| Erie | $47 | $79 |
| USAA | $51 | $86 |
| American Family | $54 | $91 |
| Mercury | $59 | $92 |
| Direct Auto | $63 | $107 |
| Nationwide | $64 | $108 |
| Clearcover | $68 | $115 |
| Travelers | $69 | $117 |
| Farmers | $73 | $123 |
| National General | $75 | $127 |
| Allstate | $77 | $130 |
| Safeco | $79 | $124 |
| GAINSCO | $90 | $152 |
| Elephant | $92 | $156 |
| Dairyland | $93 | $157 |
| The General | $93 | $157 |
| Bristol West | $95 | $161 |
| State Auto | $96 | $162 |
| Liberty Mutual | $132 | $223 |
| Foremost | $134 | $227 |
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 $90 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $22 | $40 |
| State Farm | $23 | $43 |
| Progressive | $29 | $78 |
| GEICO | $31 | $58 |
| Mile Auto | $31 | $49 |
| COUNTRY Financial | $33 | $62 |
| Erie | $34 | $64 |
| USAA | $39 | $71 |
| American Family | $40 | $75 |
| Mercury | $44 | $84 |
| Nationwide | $45 | $84 |
| Direct Auto | $46 | $101 |
| Travelers | $51 | $95 |
| Farmers | $54 | $101 |
| National General | $54 | $117 |
| Clearcover | $56 | $88 |
| Allstate | $59 | $109 |
| Safeco | $64 | $103 |
| State Auto | $68 | $128 |
| Dairyland | $70 | $176 |
| Elephant | $71 | $128 |
| The General | $71 | $181 |
| Bristol West | $72 | $181 |
| GAINSCO | $72 | $181 |
| Foremost | $101 | $239 |
| Liberty Mutual | $105 | $197 |
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 $227 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $51 | $93 |
| State Farm | $56 | $104 |
| COUNTRY Financial | $65 | $123 |
| GEICO | $69 | $129 |
| Progressive | $79 | $209 |
| Erie | $83 | $156 |
| Mile Auto | $89 | $139 |
| USAA | $90 | $165 |
| American Family | $98 | $183 |
| Mercury | $109 | $207 |
| Nationwide | $117 | $217 |
| Direct Auto | $120 | $262 |
| Travelers | $130 | $244 |
| Clearcover | $131 | $205 |
| Farmers | $134 | $251 |
| Allstate | $143 | $268 |
| National General | $154 | $332 |
| The General | $155 | $392 |
| Dairyland | $157 | $394 |
| Elephant | $157 | $281 |
| Safeco | $159 | $255 |
| GAINSCO | $163 | $410 |
| Bristol West | $168 | $420 |
| State Auto | $178 | $336 |
| Liberty Mutual | $237 | $444 |
| Foremost | $249 | $587 |
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 scores pay 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
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 $122 per month for car insurance, which is close to the overall state average but much less than the Chicago average of $162.
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.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Aurora | $76 | $157 |
| Berwyn | $85 | $187 |
| Cicero | $85 | $195 |
| Chicago | $96 | $227 |
| Decatur | $70 | $141 |
| Elgin | $83 | $160 |
| Joliet | $80 | $179 |
| Naperville | $76 | $153 |
| Rockford | $72 | $158 |
| Springfield | $80 | $179 |
| Waukegan | $78 | $152 |
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 $122. Drivers pay $78 per month for liability coverage and $167 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 $29 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 $128 per month for car insurance. The average cost of liability coverage is $79 per month, and full-coverage insurance costs $176.
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
- 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.
Related articles
More cities in Illinois
Sources
- Insurance Information Institute. "Infographic: What determines the cost of my auto insurance?."
- NOLO. "Illinois Car Accident Laws."
- Office of the Illinois Secretary of State. "Mandatory Vehicle Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Federal Bureau of Investigation. "Illinois: Offenses Known to Law Enforcement."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Illinois Department of Insurance. "If Your Auto Insurance Policy Is Canceled."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Insurance Institute for Highway Safety. "Teenagers."
- Insurance Information Institute. "Auto insurance for teen drivers."
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Daria Kelly Uhlig
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.
Licensed auto and home insurance agent
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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