+120 more*These quotes are from Compare.com users in and around Peoria, Illinois within the last 10 days. Updated on June 11, 2026
*These quotes are from Compare.com users in and around Peoria, Illinois within the last 10 days. Updated on June 11, 2026
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
Peoria drivers pay an average of $118 per month for car insurance. Its rates are likely cheaper than the statewide average because it’s less populated than other major cities like Chicago and Aurora.[1]
But you could get rates as low as $45 from several insurers offering cheaper rates in Peoria including, Auto-Owners, State Farm, and Certainly.
But while these companies offer the city’s cheapest auto insurance, you might find even lower rates from a different insurance company. Personal factors like your credit history, driving habits, and age affect how much you pay for coverage.[2]
We’ll tell you how to find the cheapest insurance company and give you tips on how to save money on coverage regardless of your situation.
Auto-Owners offers the cheapest car insurance in Peoria, with rates starting at $45 per month.
Peoria drivers pay an average of $83 per month for liability-only car insurance and $154 per month for full coverage.
Illinois requires every driver to have at least 25/50/20 in liability coverage and uninsured motorist coverage.[3]
Average rates give you a helpful starting point when shopping for car insurance in Peoria, but you can always look for cheaper options. Asking about discounts, comparing quotes, and finding an insurer that suits your driving habits can help you save even more money.[4]
Let’s take a look at the cheapest car insurance companies in Peoria, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $45 |
| State Farm | $49 |
| Certainly | $61 |
| Progressive | $67 |
| Country Financial | $70 |
| Direct Auto | $71 |
| The General | $72 |
| GEICO | $73 |
| Erie | $75 |
| First Chicago | $75 |
| USAA | $80 |
| Mercury | $84 |
| GAINSCO | $85 |
| Safeco | $85 |
| American Family | $87 |
| Bristol West | $89 |
| National General | $91 |
| Freedom National | $99 |
| Dairyland | $103 |
| Elephant | $103 |
| Nationwide | $103 |
| Clearcover | $104 |
| Insurify Car | $105 |
| First Acceptance | $107 |
| Travelers | $110 |
| Farmers | $118 |
| Root | $118 |
| Liberty Mutual | $121 |
| Allstate | $124 |
| Mendota | $124 |
| Hugo | $127 |
| State Auto | $155 |
| Foremost | $170 |
Auto-Owners offers the most affordable auto insurance in Peoria, at just $45 per month. But you might find even better rates with a different company based on your driver profile and coverage needs.
Get personalized quotes and find the cheapest coverage in Peoria.
Your driver profile affects how much you pay for car insurance. Insurers consider personal factors like your age and credit history when determining rates. Companies also look at your driving record and whether you have a history of violations.
The table below shows the cheapest car insurance companies for different drivers and coverage types in Peoria, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $45 |
| Full coverage | Auto-Owners | $85 |
| Teens | Auto-Owners | $96 |
| Seniors | Auto-Owners | $35 |
| Drivers with a speeding ticket | Auto-Owners | $60 |
| Drivers with an at-fault accident | Auto-Owners | $61 |
| Drivers with a DUI | Auto-Owners | $61 |
| Drivers with excellent credit | Auto-Owners | $35 |
| Drivers with poor credit | Auto-Owners | $67 |
While you can’t control every factor that goes into your car insurance rates, you can always try to save money. Let’s dive into the insurers offering the best rates for Peoria drivers.
Peoria drivers pay an average of $83 per month for liability-only coverage, according to our data. Liability-only car insurance covers the other driver’s injuries and vehicle damage if you cause an accident.[5] Liability insurance is the minimum amount of coverage you need to legally drive in Illinois.
State-minimum coverage can be a solid option for some drivers — especially if you have an older or less valuable car. But most drivers would benefit from full-coverage car insurance, which offers more financial protection.
Check out Peoria’s five cheapest companies for state-minimum coverage in the chart below, according to our research.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $45 |
| State Farm | $49 |
| Certainly | $61 |
| Progressive | $67 |
| Country Financial | $70 |
| Direct Auto | $71 |
| The General | $72 |
| GEICO | $73 |
| Erie | $75 |
| First Chicago | $75 |
| USAA | $80 |
| Mercury | $84 |
| GAINSCO | $85 |
| Safeco | $85 |
| American Family | $87 |
| Bristol West | $89 |
| National General | $91 |
| Freedom National | $99 |
| Dairyland | $103 |
| Elephant | $103 |
| Nationwide | $103 |
| Clearcover | $104 |
| Insurify Car | $105 |
| First Acceptance | $107 |
| Travelers | $110 |
| Farmers | $118 |
| Root | $118 |
| Liberty Mutual | $121 |
| Allstate | $124 |
| Mendota | $124 |
| Hugo | $127 |
| State Auto | $155 |
| Foremost | $170 |
Full-coverage policies include liability insurance, as well as comprehensive and collision coverage. Comprehensive insurance protects you if something else damages your car, like a falling tree branch. Collision insurance helps pay for repairs if you hit an object, like a mailbox.
If you lease or finance your car, your lender usually requires you to purchase a full-coverage policy. Peoria drivers pay an average of $154 per month for full-coverage car insurance.
But budget-conscious drivers can usually find full coverage for close to the same price as a liability-only policy. The following chart breaks down the five cheapest companies for full-coverage insurance in Peoria, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $85 |
| State Farm | $92 |
| Country Financial | $128 |
| Safeco | $130 |
| Progressive | $132 |
| Direct Auto | $140 |
| Erie | $140 |
| GEICO | $140 |
| Mercury | $145 |
| USAA | $149 |
| American Family | $161 |
| Elephant | $170 |
| National General | $176 |
| Certainly | $177 |
| The General | $181 |
| Root | $187 |
| First Chicago | $190 |
| Nationwide | $190 |
| Clearcover | $192 |
| Liberty Mutual | $194 |
| Bristol West | $204 |
| Travelers | $204 |
| Farmers | $218 |
| Freedom National | $219 |
| GAINSCO | $223 |
| Allstate | $228 |
| Mendota | $236 |
| First Acceptance | $253 |
| State Auto | $286 |
| Dairyland | $295 |
| Foremost | $354 |
Teen drivers pay some of the highest car insurance rates. Younger drivers have less experience and make riskier choices on the road.[6] Studies show that teenagers cause more accidents than other age groups, and insurers charge more to cover the risk.[7]
Teen drivers in Peoria pay an average of $241 per month for car insurance, according to our data. But you can save money by taking advantage of good student discounts or completing a driver education course.
The chart below shows the insurers with the best rates for teen drivers in Peoria, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $96 |
| State Farm | $101 |
| Country Financial | $120 |
| Certainly | $124 |
| Progressive | $137 |
| The General | $138 |
| GEICO | $140 |
| Direct Auto | $146 |
| Erie | $146 |
| First Chicago | $153 |
| USAA | $157 |
| GAINSCO | $160 |
| Mercury | $163 |
| Bristol West | $168 |
| American Family | $174 |
| Safeco | $182 |
| Clearcover | $182 |
| Dairyland | $191 |
| Root | $191 |
| National General | $192 |
| Elephant | $196 |
| Freedom National | $202 |
| Nationwide | $212 |
| Insurify Car | $214 |
| First Acceptance | $218 |
| Liberty Mutual | $225 |
| Travelers | $241 |
| Hugo | $248 |
| Farmers | $249 |
| Mendota | $253 |
| Allstate | $259 |
| State Auto | $393 |
Experience behind the wheel starts to pay off once you’re older. Senior drivers have some of the lowest car insurance rates of any age group because they’re usually safer drivers.[8] Peoria seniors pay an average of $99 per month for car insurance, according to our data.
You can find even lower rates from the companies in the chart below. Here’s a look at the cheapest insurers for seniors in Peoria, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $35 |
| State Farm | $38 |
| Certainly | $51 |
| Country Financial | $55 |
| Progressive | $56 |
| Erie | $56 |
| GEICO | $57 |
| Direct Auto | $57 |
| The General | $61 |
| First Chicago | $63 |
| USAA | $64 |
| Mercury | $66 |
| American Family | $68 |
| National General | $70 |
| GAINSCO | $72 |
| Safeco | $73 |
| Bristol West | $73 |
| Nationwide | $78 |
| Elephant | $83 |
| Freedom National | $83 |
| Dairyland | $86 |
| Travelers | $87 |
| Insurify Car | $88 |
| First Acceptance | $90 |
| Clearcover | $91 |
| Farmers | $92 |
| Allstate | $99 |
| Liberty Mutual | $99 |
| Mendota | $104 |
| Root | $107 |
| Hugo | $109 |
| State Auto | $115 |
A single speeding ticket causes car insurance rates to increase by 37% nationwide, according to our research. It might seem like a big price jump, but insurers charge more to cover the increased risk. Getting one speeding ticket indicates that you’re likely to get another in the future.
Our research shows that Peoria drivers with a recent speeding ticket on their record pay an average of $152 per month for car insurance.
Let’s look at some of the cheapest insurance companies for Peoria drivers after a ticket, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $60 |
| State Farm | $63 |
| Certainly | $79 |
| Progressive | $87 |
| Direct Auto | $91 |
| Country Financial | $96 |
| First Chicago | $97 |
| GEICO | $97 |
| The General | $98 |
| Erie | $101 |
| GAINSCO | $104 |
| USAA | $105 |
| Safeco | $113 |
| Bristol West | $114 |
| American Family | $114 |
| National General | $115 |
| Mercury | $118 |
| Elephant | $126 |
| Freedom National | $128 |
| Dairyland | $130 |
| Clearcover | $135 |
| Nationwide | $135 |
| Insurify Car | $136 |
| First Acceptance | $138 |
| Root | $143 |
| Travelers | $145 |
| Farmers | $153 |
| Liberty Mutual | $157 |
| Mendota | $160 |
| Allstate | $164 |
| Hugo | $164 |
| State Auto | $209 |
Insurers typically raise your rate if you cause an accident. Our research shows that at-fault accidents cause rates to increase by 41% nationwide. It’s a big jump, and you can expect a similar increase in Peoria.
Peoria drivers with an at-fault accident on their record pay an average of $162 per month for car insurance, according to our data. But you might find a cheaper rate from one of the companies below.
Here are the cheapest car insurers for Peoria drivers with an at-fault accident, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $61 |
| State Farm | $66 |
| Certainly | $84 |
| Progressive | $92 |
| Country Financial | $98 |
| GEICO | $98 |
| Direct Auto | $99 |
| The General | $101 |
| Erie | $103 |
| First Chicago | $103 |
| USAA | $110 |
| GAINSCO | $111 |
| American Family | $120 |
| Bristol West | $120 |
| Safeco | $121 |
| National General | $124 |
| Mercury | $128 |
| Freedom National | $136 |
| Elephant | $137 |
| Dairyland | $139 |
| Nationwide | $142 |
| Insurify Car | $145 |
| First Acceptance | $147 |
| Clearcover | $151 |
| Root | $152 |
| Travelers | $152 |
| Farmers | $161 |
| Liberty Mutual | $164 |
| Allstate | $170 |
| Mendota | $171 |
| Hugo | $172 |
| State Auto | $216 |
Driving under the influence (DUI) convictions cause the biggest spike in car insurance costs. Our data shows that a DUI increases rates by 61% nationwide. But you might find an affordable option with an insurer specializing in high-risk drivers.
In Peoria, you’ll pay around $167 per month for car insurance after a DUI, according to our research. But a few companies offer lower-than-average rates.
The chart below shows the cheapest insurers for Peoria drivers with a DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $61 |
| State Farm | $70 |
| Certainly | $86 |
| Progressive | $95 |
| Country Financial | $98 |
| The General | $100 |
| Direct Auto | $102 |
| GEICO | $104 |
| First Chicago | $106 |
| Erie | $107 |
| USAA | $114 |
| American Family | $119 |
| GAINSCO | $122 |
| Bristol West | $127 |
| Mercury | $128 |
| Safeco | $129 |
| National General | $130 |
| Freedom National | $140 |
| Clearcover | $143 |
| Dairyland | $147 |
| Elephant | $147 |
| Nationwide | $147 |
| Insurify Car | $149 |
| First Acceptance | $152 |
| Travelers | $157 |
| Farmers | $169 |
| Root | $169 |
| Liberty Mutual | $173 |
| Mendota | $176 |
| Allstate | $177 |
| Hugo | $182 |
| State Auto | $213 |
Some insurers in Illinois consider your credit history when setting rates. Companies use your payment history and outstanding debt to determine your credit-based insurance score, which indicates your likelihood of filing a claim.
Research shows that drivers with poor credit file more claims, and insurers charge those drivers higher rates.[9] We found that poor credit increases car insurance rates by 20% nationwide.
Peoria drivers with poor credit pay an average of $148 per month for auto insurance, according to our data. But not every insurer considers your credit history, and some offer affordable rates even if you have less-than-perfect credit.
The chart below shows the five cheapest companies for drivers with poor credit in Peoria, according to our research.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $67 |
| State Farm | $71 |
| Certainly | $76 |
| Progressive | $84 |
| Country Financial | $84 |
| Direct Auto | $88 |
| The General | $89 |
| GEICO | $90 |
| First Chicago | $94 |
| USAA | $98 |
| Mercury | $103 |
| American Family | $105 |
| GAINSCO | $105 |
| Safeco | $105 |
| Erie | $110 |
| Bristol West | $110 |
| National General | $113 |
| Freedom National | $124 |
| Dairyland | $127 |
| Elephant | $127 |
| Nationwide | $127 |
| Clearcover | $129 |
| Insurify Car | $131 |
| First Acceptance | $134 |
| Travelers | $136 |
| Liberty Mutual | $145 |
| Farmers | $146 |
| Root | $146 |
| Allstate | $153 |
| Mendota | $155 |
| Hugo | $157 |
| State Auto | $192 |
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Like most states, Illinois requires drivers to have a minimum amount of car insurance to legally drive. To meet the minimum requirements in the Prairie State, you need to have these coverage amounts:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$20,000 in property damage liability per accident
$25,000 per person / $50,000 per accident in uninsured motorist coverage
Car repairs can add up, and minimum coverage covers at least some of the costs. But a liability-only policy doesn’t cover your injuries or repairs when you cause an accident. That’s why industry experts recommend buying more coverage than Peoria requires.
A full-coverage car insurance policy will give you more complete coverage because it includes comprehensive and collision insurance. And remember — lenders will require you to purchase it if you lease or finance your car.
For example, let’s say you cause an accident with $10,000 worth of damage to your car. Liability-only insurance covers the other vehicle, but you’ll have to pay out of pocket to cover your own car damage. If you have a full-coverage policy, you only need to pay your deductible.
Compare rates from the top insurance companies in Illinois.
Illinois requires drivers to have auto insurance, and we’re here to help you find the cheapest options in Peoria. Check out the answers to these common questions to learn how to get the best deal on your coverage.
Car insurance costs an average of $118 per month in Peoria, according to Compare.com data. Liability-only coverage costs $83 per month, and full coverage costs $118.
Our research shows that Auto-Owners has the lowest car insurance rates in Peoria, starting at $45 per month. But the cheapest car insurance company for you depends on factors like your age, location, and driving record.
It depends. Car insurance in Peoria costs an average of $118 per month, compared to the national average of $140. But you might pay more or less than average depending on personal factors like your ZIP code, credit history, driving record, and age.
Auto-Owners has the cheapest car insurance in Illinois, with rates starting at $48 per month, according to our data. But remember, you might find lower rates with a different company. Comparing car insurance quotes from at least three companies can help you find the most affordable option.
Car insurance in Illinois costs an average of $122 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
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