120+ more*Quotes generated for Insurify users in and around Peoria, Illinois within the last 10 days. Last updated on September 5, 2026. 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 September 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
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Updated
The average cost of liability insurance in Peoria, Illinois, is $77 per month. This provides the minimum bodily injury liability, property damage liability, and uninsured motorist bodily injury coverage needed to meet the state-minimum car insurance requirements in Illinois.
Full-coverage insurance in Peoria, which typically includes collision coverage and comprehensive coverage, costs an average of $154 per month.
The cost of coverage in Peoria is a bit lower than average statewide premiums in Illinois but a lot cheaper than costs in Chicago, which has a much larger population and more traffic congestion. But Peoria drivers pay more, on average, than drivers in Decatur, which has a lower population density.
Auto-Owners offers the most affordable liability coverage in Peoria that meets the minimum requirements in Illinois. These requirements include bodily injury liability, property damage liability, and uninsured motorist bodily injury liability.[1]
Illinois is an at-fault state that determines fault using modified comparative negligence.[2] This standard only allows you to seek damages if you’re less than 50% at fault in an accident.
In the table below, you’ll find the cheapest auto insurance quotes for liability-only coverage in Peoria.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $38 |
| State Farm | $42 |
| Certainly | $53 |
| Progressive | $56 |
| Country Financial | $58 |
| Direct Auto | $59 |
| The General | $60 |
| GEICO | $61 |
| Erie | $64 |
| First Chicago | $64 |
| USAA | $68 |
| GAINSCO | $72 |
| Safeco | $72 |
| American Family | $73 |
| Mercury | $73 |
| Bristol West | $75 |
| National General | $76 |
| Freedom National | $83 |
| Elephant | $86 |
| Clearcover | $88 |
| Dairyland | $89 |
| First Acceptance | $90 |
| Insurify Car | $90 |
| Travelers | $93 |
| Farmers | $100 |
| Root | $101 |
| Liberty Mutual | $103 |
| Allstate | $104 |
| Mendota | $104 |
| Hugo | $107 |
| State Auto | $131 |
Pay your first week’s premium and get immediate proof of insurance
Peoria drivers may want a full-coverage policy to protect themselves from the tornadoes and derechos that have been occurring in Central Illinois more frequently in recent years. Buying the state’s minimum coverage limits typically doesn’t provide you enough protection in the event of an accident or damage from severe weather.
Auto-Owners offers the cheapest full-coverage auto insurance in Peoria, on average. But the easiest way to find the best rate for your coverage needs is to compare quotes from multiple companies.
Start your comparison shopping with the cheapest insurers in Peoria for full-coverage car insurance listed in the table below.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $71 |
| State Farm | $77 |
| Country Financial | $106 |
| Progressive | $106 |
| Safeco | $111 |
| Erie | $117 |
| GEICO | $117 |
| Direct Auto | $121 |
| USAA | $125 |
| Mercury | $126 |
| American Family | $134 |
| Elephant | $149 |
| National General | $150 |
| Certainly | $152 |
| The General | $157 |
| Root | $158 |
| First Chicago | $159 |
| Liberty Mutual | $165 |
| Bristol West | $172 |
| Clearcover | $172 |
| Travelers | $172 |
| Farmers | $182 |
| Freedom National | $182 |
| Allstate | $191 |
| GAINSCO | $191 |
| Mendota | $206 |
| First Acceptance | $220 |
| State Auto | $240 |
| Dairyland | $246 |
Compared to the average cost of auto insurance across Illinois, Peoria car insurance quotes are typically cheaper than more populous cities like Chicago and Aurora but more expensive than less populous cities, such as nearby Decatur.
Population density directly affects the number of drivers on the road, which can make a difference to your insurance premiums.
For example, Peoria drivers spend about 18 minutes commuting to work, while the state average is nearly 28 minutes.[3] The average commute time for Chicago drivers is 34 minutes. The additional time behind the wheel increases the likelihood that a Chicagoan will get into an accident and file an insurance claim, which increases insurance costs in Chicago.
The table below compares the average monthly quote for auto insurance in Peoria with quotes in other Illinois cities.
City | Average Monthly Quote |
|---|---|
| Bloomington | $99 |
| Moline | $104 |
| Decatur | $105 |
| Champaign | $108 |
| Naperville | $110 |
| Wheeling | $112 |
| Rockford | $114 |
| Schaumburg | $116 |
| Crest Hill | $117 |
| Elgin | $117 |
| Aurora | $118 |
| Waukegan | $119 |
| Springfield | $120 |
| Des Plaines | $122 |
| Evanston | $123 |
| Joliet | $123 |
| Berwyn | $130 |
| Skokie | $134 |
| Belleville | $136 |
| Chicago Heights | $153 |
| Cicero | $154 |
| Chicago | $164 |
*Quotes generated for Insurify users in and around Peoria, Illinois within the last 10 days. Last updated on September 5, 2026. 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 September 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you have a clean driving record, you’ll typically pay lower rates than a driver with a speeding ticket, an at-fault accident, or a driving under the influence (DUI) conviction on their record.
Below, you’ll find the cheapest car insurance companies in Peoria based on driving record.
Cheapest car insurance for Peoria drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Peoria: Auto-Owners
Cheapest car insurance for Peoria drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Peoria: Auto-Owners
In Peoria, nearly 4% of drivers have a speeding ticket, another 4% have an at-fault accident, and 0.4% have a DUI on their driving record, according to Insurify data. Insurance companies often consider you a higher risk compared to a driver with a clean history if you have these violations on your record.
Illinois takes speeding seriously, imposing fines between $164 and $2,500 depending on your offense.[4] And a DUI conviction in Illinois has severe penalties like loss of driving privileges, possible imprisonment, an SR-22 insurance requirement, and fines ranging from $500 to $25,000.[5]
Below, you can compare average monthly quotes by driving record in Peoria.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $116 |
| Speeding ticket | $151 |
| At-fault accident | $160 |
| DUI | $171 |
Here are a few key driving tips to keep in mind as a driver in Peoria:
Restricted downtown parking: Peoria offers metered parking in limited areas downtown with a two-hour limit. Additionally, the city doesn’t allow private parking on a public street in front of a residence. But the Residential Parking Permit Program (RPPP) allows residents to park on the street during certain hours by purchasing a vehicle parking decal. Though the program doesn’t guarantee spots in front of your residence.[6]
Limited public transportation: The CityLink bus service provides public transportation around Peoria and to nearby Pekin, but it has limited routes and service hours. That said, the fare is only $1 per ride or $40 for an unlimited 30-day pass. The lack of a robust public transportation system in Peoria means more drivers are on the road.
Fourth of July tourism: Peoria holds a fireworks show every Independence Day that draws more than 100,000 visitors. For a city with a population of about 111,000, that annual influx does excellent things for the local economy, but it puts a strain on Peoria’s transportation and traffic while increasing the likelihood of car accidents.
Interstate 74 bisects Peoria, while I-474 loops around its southwest border, and U.S. Route 150 cuts across the northeastern part of the city. Although drivers in Peoria enjoy a relatively short 18-minute average commute, ongoing construction on each of these highways affects traffic in the area.
For example, the Illinois Department of Transportation has closed the westbound lane of the McClugage Bridge carrying U.S. Route 150 traffic over the Illinois River for a construction project with an estimated 2028 completion date. While westbound drivers will still be able to cross the bridge, the temporary traffic pattern will require merging into single-lane ramps and crossovers.
This kind of construction often increases congestion and the likelihood of accidents as drivers adjust to the new traffic patterns, which can increase average insurance premiums.
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Teen drivers in Peoria pay an average of $231 per month for auto insurance, paying the highest rates by age demographic because they have limited driving experience. Nearly 50,000 teen drivers in Illinois are in car accidents annually, according to data from the Illinois Department of Transportation.[7]
Finding a way to lower auto insurance costs is a major concern. In addition to getting quotes from multiple insurers, it’s a good idea to also ask about teen-specific discounts, such as the good student discount, which lowers premiums for students who maintain a high GPA.
In the table below, you’ll find the cheapest car insurance quotes for teen drivers in Peoria.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $79 |
| State Farm | $84 |
| Country Financial | $96 |
| Certainly | $105 |
| Progressive | $111 |
| The General | $113 |
| GEICO | $115 |
| Direct Auto | $120 |
| Erie | $122 |
| First Chicago | $127 |
| USAA | $130 |
| GAINSCO | $132 |
| Bristol West | $138 |
| Mercury | $139 |
| American Family | $143 |
| Clearcover | $151 |
| Safeco | $152 |
| National General | $156 |
| Root | $160 |
| Dairyland | $161 |
| Elephant | $163 |
| Freedom National | $165 |
| First Acceptance | $179 |
| Insurify Car | $179 |
| Liberty Mutual | $188 |
| Travelers | $200 |
| Farmers | $207 |
| Allstate | $207 |
| Mendota | $207 |
| Hugo | $213 |
| State Auto | $322 |
Unlike teenagers, senior drivers typically pay the lowest rates of any age group because of their experience. That’s great news for the nearly 17% of Peoria residents age 65 and older, but you can always use additional strategies to lower your insurance costs further.
For example, senior drivers in Peoria may want to bundle their homeowners insurance with their auto insurance to save on both policies.
In the table below, you’ll find the cheapest rates for senior drivers in Peoria.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $29 |
| State Farm | $32 |
| Certainly | $44 |
| Country Financial | $45 |
| Progressive | $46 |
| Direct Auto | $47 |
| GEICO | $47 |
| Erie | $48 |
| The General | $50 |
| First Chicago | $53 |
| USAA | $54 |
| Mercury | $56 |
| American Family | $57 |
| National General | $58 |
| GAINSCO | $60 |
| Bristol West | $61 |
| Safeco | $61 |
| Elephant | $68 |
| Freedom National | $69 |
| Travelers | $73 |
| Dairyland | $74 |
| First Acceptance | $75 |
| Insurify Car | $75 |
| Clearcover | $76 |
| Farmers | $77 |
| Liberty Mutual | $84 |
| Allstate | $86 |
| Mendota | $86 |
| Hugo | $89 |
| Root | $91 |
| State Auto | $97 |
The following information can help answer your remaining questions about finding cheap car insurance in Peoria.
The average cost of liability insurance in Peoria is $77 per month, while full-coverage auto insurance costs $154 per month.
Auto-Owners, State Farm, and Certainly have the cheapest average rates in Peoria, according to Insurify data.
But that doesn’t necessarily mean any of these insurers will be the best car insurance company for your needs. That’s why it’s vital to get a quote from multiple companies so you can compare rates, coverage options, and coverage limits.
It’s important to compare quotes from multiple insurance companies to start. You can also save money by asking about car insurance discounts and bundling your auto coverage with other insurance products like homeowners insurance, renters insurance, or even life insurance.
That said, keeping a clean driving record is the best way to make sure your monthly premiums stay low.
Illinois requires every driver to carry at least $25,000 per person and $50,000 per accident in bodily injury liability, $20,000 per accident in property damage liability, and uninsured motorist (UM) coverage equal to your bodily injury liability limits. Illinois also requires underinsured motorist coverage if you purchase higher UM coverage limits than the law requires.
Yes. Illinois is an at-fault state with a modified comparative negligence standard for determining fault. This means someone may only seek damages if they’re less than 50% at fault. For example, if you’re 25% at fault in an accident and the other driver is 75% at fault, you can legally seek damages. But the other driver’s insurance may potentially pay out only 75% of your losses.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
25 years teaching risk management and insurance course
Former commercial lines underwriter
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
