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How much is car insurance in Peoria?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Peoria will typically run you about $6 a month more than in the rest of Arizona.
Compared to the rest of the country, auto insurance in Peoria is more affordable. It's about $13 cheaper than the national average to insure your vehicle in Peoria.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But don't worry, we've broken down the average rates for Peoria residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay $54 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Peoria may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Peoria, this difference shakes out to about $4 per month. Based on the chart above, you can see that female drivers pay around $66 on average, while male drivers typically pay $70 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Peoria, a driving record with a single accident will usually get you a rate around $85 a month. In addition, drivers with one ticket can expect to pay around $86 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$91|
|15 Years or Older||$61|
In Peoria, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $58 per month for auto insurance coverage.
SUV drivers will see rates of about $62 to insure their vehicle, while car owners usually pay around $72 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In Peoria, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
On average, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Peoria reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor taken into consideration is your housing status. In Peoria, homeowners can expect to pay around $6 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Peoria, AZ
Recent trends in car insurance for Peoria drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Peoria, auto insurance rates have been steadily increasing, reaching a high of $74 in 2022.
How does Peoria compare to neighboring areas?
Why are car insurance rates in Peoria different from other areas?
There are several factors car insurance companies take into consideration when deciding how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Amount of drivers in the community
- Amount of off-street parking
- Frequency of car accidents
- Community regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Peoria?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Peoria.
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Peoria Insurance FAQs
What factors affect car insurance quotes in Peoria?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Peoria different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Peoria?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Peoria?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Peoria or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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