Best Peoria, Arizona Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

When searching for the best Peoria, Arizona auto insurance, Progressive, Erie, and AAA stand out for their competitive rates and comprehensive coverage options.

Progressive leads the pack with its starting rates as low as $58 per month, making it the top choice for budget-conscious drivers. Continue reading our full “Auto insurance discounts to Ask for” guide for extra tips.

Erie and AAA also offer exceptional value and robust protection, ensuring you get the best coverage tailored to your needs. Explore your options with these top providers to find the best fit for your auto insurance needs in Peoria.

Our Top 10 Company Picks: Best Peoria, Arizona Auto Insurance

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#1 – Progressive: Top Overall Pick

Pros

• Versatile Policy Options: Progressive excels in offering a kaleidoscope of insurance packages, enabling Peoria, Arizona drivers to meticulously craft coverage that aligns with their unique needs—whether that’s a stripped-down liability policy or a comprehensive fortress of protection, as highlighted in our Progressive auto insurance review.
• Robust Digital Tools: Progressive’s digital platform stands as a model of user-friendliness, offering Peoria, Arizona residents effortless management of their auto insurance needs. With its intuitive app and website, users can quickly manage policies, payments, and claims. This streamlined approach makes managing insurance easy and efficient, whether at home or on the go.
• Snapshot® Program for Safe Drivers: Progressive’s innovative Snapshot® program offers Peoria, Arizona drivers a unique opportunity to monitor their driving habits through a personalized device or mobile app. The Snapshot® program tracks driving habits like speed and braking, offering insights and potential premium reductions for safe drivers.

Cons

• Complex Coverage Options: The abundance of add-ons and choices can overwhelm Peoria, Arizona drivers, requiring meticulous research to navigate the labyrinth of available options.
• Inconsistent Customer Service: Despite 24/7 availability, the quality of Progressive’s customer service can be hit-or-miss, with some Peoria, Arizona customers experiencing delays or unsatisfactory resolutions.

#2 – Erie: Best for Competitive Premiums for Safe Drivers

Pros

• Competitive Premiums for Safe Drivers: Erie is an excellent choice for those seeking affordable insurance, as it consistently provides remarkably low rates to Peoria, Arizona residents who have excellent credit and strong driving records. This commitment to competitive pricing makes Erie a standout option for individuals who prioritize both quality coverage and cost savings.
• Accident Forgiveness: Erie’s accident forgiveness feature provides Peoria, Arizona drivers with significant peace of mind, ensuring that their premiums won’t surge dramatically following their first at-fault accident. This benefit protects drivers from the financial fallout of a single mistake, allowing them to navigate their coverage with greater confidence and stability.
• Unique Coverage Features: For drivers in Peoria, Arizona seeking extra security, Erie provides valuable policy benefits that extend beyond standard coverage. These include protection for personal belongings stolen from vehicles and coverage for injuries to pets, ensuring a comprehensive safety net for both personal and vehicular mishaps, as highlighted in our Erie auto insurance review.

Cons

• Limited Nationwide Availability: Erie’s services, while excellent, are not available in every state, which could require Peoria, Arizona residents to switch providers if they plan to relocate. This limitation means that those moving to areas outside Erie’s coverage will need to explore alternative insurance options to ensure continuous and reliable coverage.
• Premium Increases Over Time: Erie’s premiums are often quite competitive initially, but they may rise more sharply over time compared to other insurers. Some Peoria, Arizona residents have reported noticeable increases in their rates as their policies mature, which could impact long-term affordability for those seeking stable insurance costs.

#3 – AAA: Best for Exclusive Membership Benefits

Pros

• Exclusive Membership Benefits: In addition to offering auto insurance, a AAA membership in Peoria, Arizona provides access to a broad spectrum of benefits. Members enjoy exclusive perks such as significant airfare reductions, special lodging rates, and highly-regarded roadside assistance. This membership boosts your auto insurance while offering savings on travel and vehicle maintenance.
• Tailored Coverage Options: AAA offers a comprehensive range of coverage options tailored to diverse needs, including specialty insurance for classic cars and RVs. For drivers in Peoria, Arizona, this extensive selection ensures that those with unique or specific insurance requirements, such as vintage vehicle owners or RV enthusiasts, can find the precise protection they need.
• Safe Driver and Loyalty Discounts: Drivers in Peoria, Arizona who maintain a pristine driving record and continuous coverage are rewarded with substantial savings from AAA. This benefit reflects their commitment to safe driving and long-term loyalty, providing valuable financial incentives for those who demonstrate consistent responsible behavior behind the wheel.

Cons

• Membership Fees: Accessing AAA insurance in Peoria, Arizona necessitates purchasing a membership, which introduces an additional cost not typically required by other insurers. This membership fee, while providing various perks and benefits, may contribute to a higher overall expense compared to insurance providers that do not have such membership requirements.
• Higher Premiums: Because AAA’s premiums are often higher than those of some competitors, Peoria, Arizona drivers may find it to be a pricier choice. While the added benefits can justify the cost for some, those seeking more budget-friendly options might need to explore alternative providers, as noted in our AAA auto insurance review.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#4 – Liberty Mutual: Best for Extensive Coverage Options

Pros

• Extensive Coverage Options: Liberty Mutual offers a broad spectrum of coverage options tailored to meet diverse needs, including unique add-ons like new car replacement and rental car coverage. This makes it an excellent choice for Peoria, Arizona drivers who seek comprehensive protection and peace of mind.
• Customizable Policies: With Liberty Mutual, Peoria, Arizona residents have the flexibility to extensively customize their policies. This means they can adjust their coverage to precisely match their needs, ensuring they only pay for the protection they require without any unnecessary extras.
• Generous Discounts: Liberty Mutual provides a range of generous discounts for drivers in Peoria, Arizona. These include savings for bundling home and auto insurance, installing anti-theft devices, and maintaining a clean driving record, helping to make insurance more affordable, as mentioned in our Liberty Mutual auto insurance review.

Cons

• Complex Policy Details: Sometimes, the wide range of customizing possibilities offered by Liberty Mutual results in intricate policy details. Drivers in Peoria, Arizona may need to thoroughly go over their policies to make sure they comprehend every detail and take advantage of all the advantages that are offered.
• Fewer Local Agents: Compared to some of its rivals, Liberty Mutual might have a smaller network of local agents in Peoria, Arizona. For those who would rather manage their insurance needs in person and with human interactions, this could be a disadvantage.

#5 – State Farm: Best for Extremely Competitive Prices

Pros

• Extremely Competitive Prices: Particularly for customers with bundled insurance or spotless driving records, State Farm is well known for providing some of the most affordable rates in Peoria, Arizona. Their price structure is intended to offer cost-conscious people significant savings for responsible drivers, which makes it a desirable choice.
• Comprehensive Coverage Alternatives: Residents of Peoria, Arizona have access to a variety of coverage options from State Farm, such as collision, comprehensive, and liability insurance. With such a wide selection, drivers may customize their insurance policies to fit a variety of needs and situations, guaranteeing strong protection.
• Superb Digital Tools: State Farm’s user-friendly website and mobile app enable Peoria, Arizona customers to manage their policies, file claims, and make payments with ease. The well-designed digital tools provide a seamless experience, ensuring that managing insurance is both convenient and efficient, as highlighted in our State Farm auto insurance review.

Cons

• Limited Discounts: State Farm’s discount offerings are more limited compared to some of its competitors, which could mean fewer opportunities for Peoria, Arizona drivers to reduce their insurance costs. While the company provides some standard savings options, those seeking extensive discount programs might find their choices more constrained with State Farm.
• Mixed Customer Service Experiences: While many customers in Peoria, Arizona appreciate State Farm’s service, there have been occasional reports of inconsistent experiences. Some drivers have experienced delays in claims processing or encountered issues with service quality, suggesting that while generally positive, customer service can vary.

#6 – Farmers: Best for Diverse Coverage Options

Pros

• Diverse Coverage Options: Farmers stands out with its extensive range of coverage options, including specialized add-ons like rideshare insurance and classic car protection. This variety makes it an attractive choice for Peoria, Arizona drivers who have specific insurance needs or require tailored coverage solutions.
• Abundant Discounts: Farmers offers a generous selection of discounts that can lead to notable savings. Whether it’s for bundling multiple policies, maintaining a clean driving record, or installing safety features in your vehicle, Peoria, Arizona drivers can benefit from substantial reductions in their premiums.
• Customizable Policies: With Farmers, Peoria, Arizona drivers have the flexibility to customize their insurance policies extensively. This means they can adjust their coverage to match their individual needs and preferences, ensuring they are paying only for what they need while enjoying comprehensive protection.

Cons

• Inconsistent Service Quality: Several Peoria, Arizona consumers have expressed conflicting feelings about Farmers’ customer service, pointing out that the level of assistance might differ. Some have found problems getting prompt support or delays in processing claims, which could have an impact on their overall satisfaction with the service.
• Potential for Rate Increases: Compared to certain competitors, farmers’ premiums may increase more frequently. This implies that even if the starting rates for drivers in Peoria, Arizona, would be competitive, there might be more frequent changes in the future, which would affect budgeting and long-term affordability. as noted in our Farmers auto insurance review.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#7 – American Family: Best for Diverse Coverage Options

Pros

• Diverse Coverage Options: American Family provides a broad spectrum of insurance options, ranging from basic liability to comprehensive umbrella policies. This extensive selection ensures that Peoria, Arizona drivers can find a coverage plan tailored to their specific needs and lifestyle, whether they’re looking for standard protection or more specialized coverage.
• Customizable Policies: American Family excels in offering highly customizable insurance policies. Peoria, Arizona residents have the flexibility to adjust their coverage in detail, from selecting specific add-ons to choosing flexible payment plans, ensuring that their insurance perfectly matches their individual requirements and preferences.
• Generous Discounts: American Family offers numerous discount options to assist drivers in Peoria, Arizona save a lot of money on insurance. Bundling numerous policies, keeping a spotless driving record, and adding safety features to your car can all result in discounts that can save you a lot of money on insurance, as noted in our American Family auto insurance review.

Cons

• Complex Policy Details: American Family’s insurance policies provide a lot of options and customization opportunities, which can make them very complex. For drivers in Peoria, Arizona, this complexity may be intimidating because it can be difficult to completely comprehend and navigate the policy specifics due to the abundance of options and technical jargon.
• Inconsistent Discounts: While American Family provides a variety of discounts, their availability and impact can fluctuate. This inconsistency means that savings from discounts may differ among Peoria, Arizona drivers, potentially leading to varying levels of cost reduction based on individual circumstances and eligibility.

#8 – Travelers: Best for Wide Range of Coverage Options

Pros

• Wide Range of Coverage Options: Travelers provides an extensive array of insurance coverage options, from basic liability to comprehensive high-limit policies, tailored to meet the varied needs of Peoria, Arizona drivers. This broad selection enables individuals to select coverage that perfectly matches their unique circumstances and protection requirements.
• Innovative Digital Tools: Travelers’ state-of-the-art digital platform significantly enhances the user experience for Peoria, Arizona drivers. With advanced tools for managing policies, filing claims, and monitoring accounts, customers can effortlessly handle their insurance needs through a seamless and technologically advanced interface.
• Strong Discounts: Peoria, Arizona residents can benefit from a wide range of discounts offered by Travelers, including reductions for bundling multiple policies, driving with a spotless record and adding safety features. These discounts can substantially decrease insurance costs, providing significant savings to policyholders, according to Travelers auto insurance review.

Cons

• Inconsistent Local Presence: Despite Travelers’ expansive network, the availability and effectiveness of local agents in Peoria, Arizona can vary significantly. This inconsistency may impact the level of personalized service and support that customers experience, potentially affecting their overall satisfaction and access to local expertise.
• Varied Discount Availability: The discounts and savings opportunities provided by Travelers can vary widely among Peoria, Arizona drivers. This variability may result in differing levels of financial relief depending on individual circumstances, potentially leading to inconsistent savings across the customer base.

#9 – Allstate: Best for Comprehensive Insurance Options

Pros

• Comprehensive Insurance Options: Peoria, Arizona drivers can choose an insurance policy that perfectly matches their unique needs and preferences from Allstate’s wide range of alternatives, which span from basic liability coverage to specialist protection plans.
• Well-Respected Digital Tools: Peoria, Arizona drivers can take advantage of Allstate’s well-known digital resources, which simplify the administration of policies, claims, and insurance information. These tools include an easy-to-use app and website. Users may expect a seamless and effective experience thanks to this advanced technology.
• Competitive Discounts: Competitive Discounts: Peoria, Arizona drivers can save a lot of money on their rates by taking advantage of one of Allstate’s many discounts. Savings opportunities that assist drivers save a significant amount of money on their insurance include installing sophisticated safety equipment, keeping a clean driving record, and combining numerous plans.

Cons

• Potentially Higher Premiums for Some: Allstate’s premium rates can sometimes be higher than those of other insurers, particularly for Peoria, Arizona drivers who may have less-than-ideal credit scores or driving records. This variation in pricing could affect overall affordability and make it essential for some drivers to carefully consider their options.
• Complex Policy Structure: The extensive range of coverage options and features offered by Allstate can result in a more complex policy structure. For Peoria, Arizona drivers, this complexity means they must invest time in thoroughly reviewing and understanding their policy details to ensure they are selecting the most appropriate coverage for their needs, as noted in our Allstate auto insurance review.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#10 – Geico:  Best for Highly Competitive Rates

Pros

• Highly Competitive Rates: Geico is well-regarded for providing some of the most affordable insurance premiums available, making it a highly appealing choice for Peoria, Arizona drivers who are looking for cost-effective coverage while still maintaining a high standard of service, as highlighted in our Geico auto insurance review.
• Streamlined Digital Experience: With Geico’s sophisticated digital tools, Peoria, Arizona drivers can effortlessly handle various aspects of their insurance needs. From managing policies and filing claims to accessing support, their website and mobile app offer a seamless and efficient user experience.
• 24/7 Customer Support: Geico’s commitment to providing around-the-clock customer service ensures that Peoria, Arizona drivers have access to support whenever they need it. Whether it’s day or night, assistance is readily available to help with policy management and any other insurance-related inquiries.

Cons

• Less Personalized Service: Geico’s emphasis on digital interactions and automated systems can sometimes lead to a less personalized experience for Peoria, Arizona drivers. Those who value face-to-face interactions with local agents might find the more impersonal nature of online service less satisfying, as it may not fully address their specific needs or preferences.
• Potential Rate Increases: Although Geico is known for its competitive initial premiums, some Peoria, Arizona drivers may encounter higher rate adjustments over time. This can be particularly true if there are changes in their driving record or credit status, which could lead to more significant increases in their insurance rates as their policy progresses.

Peoria, AZ Car Insurance Rates by ZIP Code: Monthly Breakdown

Understanding how car insurance rates vary by ZIP code can help Peoria, AZ residents find the most cost-effective options for their coverage. Discover our comprehensive guide to “Auto insurance rates by ZIP code” for additional insights.

Peoria, Arizona Auto Insurance Monthly Rates by Provider & Coverage Level

This monthly breakdown provides a detailed look at insurance rates across different ZIP codes in Peoria, offering insights into how location-specific factors can influence your premiums. By examining these variations, you can better assess your insurance needs and make informed decisions about your policy.

With a clear view of how car insurance rates fluctuate across Peoria’s ZIP codes, you’re better equipped to select a policy that fits your budget and coverage requirements.

Find more info about the monthly Peoria, AZ car insurance rates by ZIP Code below:

Stay informed and take advantage of the detailed rate insights provided to find the best insurance deals tailored to your specific area. For the most accurate and personalized advice, always consult with your insurance provider.

Peoria, AZ Car Insurance Rates Compared to Major US Metro Areas

The city in which you reside can significantly impact your car insurance rates. Therefore, it’s crucial to compare auto insurance rates in Peoria, AZ, with those in other leading metropolitan areas across the United States. For further details, check out our in-depth “Minimum Auto Insurance Requirements by State” article.

Doing so will give you a clearer perspective on how local factors influence your insurance costs and help you make more informed decisions about your coverage. Ready to find affordable Peoria, AZ auto insurance? Enter your ZIP code above to get started.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Finding the Cheapest Auto Insurance Company in Peoria, AZ

Geico stands out as the most affordable auto insurance provider in Peoria, AZ. Following closely are USAA and Travelers, which also offer competitive rates. It’s important to note, however, that USAA’s coverage is exclusively available to military veterans and their immediate families, which may limit its accessibility for some drivers.

Here are the best auto insurance companies in Peoria, Arizona, ranked from cheapest to most expensive:

• Geico auto insurance – $2,512
• USAA auto insurance – $2,937
• Travelers auto insurance – $3,498
• Nationwide auto insurance – $3,892
• Progressive auto insurance – $3,967
• American Family auto insurance – $4,555
• State Farm auto insurance – $5,062
• Allstate auto insurance – $5,371
• Farmers auto insurance – $5,960

In Peoria, the auto insurance companies offering rates below the average are Geico, USAA, Travelers, and Nationwide. By leveraging the right discounts, you can further reduce your annual auto insurance expenses. Insurance providers assess various factors to determine your rates, including age, gender, marital status, driving record, and credit history.

Among these, your driving record is the most influential. A clean driving record can earn you discounts ranging from 15% to 40%. Conversely, high-risk insurance, needed for those with violations or accidents, will be significantly more expensive. Additionally, a strong credit score can further lower your rates.

Your location also plays a role. Living in a safer neighborhood can result in considerable savings on insurance. In Peoria, the most affordable ZIP code is 85373, where the average monthly cost is $322.

For younger male drivers under 25, insurance quotes can exceed $9,500 per year, while senior drivers might pay around $2,300 annually. It’s crucial to compare auto insurance rates by company and age, as the best insurer for one age group may not be the most suitable for another. Typically, insurance for teens and young drivers is the most costly.

Learn more in our article: Cheapest Teen Driver Auto Insurance in Arizona

The level of coverage you choose will greatly impact your auto insurance rates in Peoria, AZ. The types of car insurance you choose will impact your rates. Find the cheapest Peoria, Arizona auto insurance rates by coverage level below:

Your credit score will play a major role in your Peoria, AZ auto insurance rates since auto insurance companies use credit scores to determine rates. Find the cheapest Peoria, Arizona auto insurance rates by credit score below.

Your driving record will affect your Peoria auto insurance rates. For example, a Peoria, Arizona DUI may increase your auto insurance rates 40 to 50 percent. Cheap auto insurance for drivers with a DUI is not easy to find. Find the cheapest Peoria, Arizona auto insurance rates by driving record.

Car insurance quotes in Peoria, Arizona are influenced by a number of factors, including as your credit score, fines, DUI history, and coverage level. You may get the most affordable vehicle insurance in Peoria, Arizona by managing these risk variables.

These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Peoria. Arizona does use gender, so check out the average monthly auto insurance rates by age and gender in Peoria, AZ. Car insurance rates are more for males on average.

Minimum Auto Insurance Coverage Requirements in Peoria, AZ

It is imperative that all drivers are aware of the minimum requirements for auto insurance coverage in Peoria, Arizona.

In Peoria, certain coverage levels are required by state regulations to guarantee drivers’ financial security in the event of an accident. Being aware of these prerequisites can assist you in abiding by the law and preventing fines.

All drivers must have the minimum Arizona auto insurance requirements, which are:

• $25,000 per person and $50,000 per incident for bodily injury liability
• $15,000 per incident for property damage
• $25,000 per person and $50,000 per accident for UM/UIM uninsured motorist coverage

Understanding Peoria’s minimal requirements for auto insurance coverage will help you to comply with the law and drive with confidence. Speaking with an insurance expert can help you make the best decision for your circumstances if you require more advice or would like to look into coverage alternatives beyond the necessary minimum.

Factors Influencing Auto Insurance Rates in Peoria, AZ

According to Data USA, the average Peoria resident spends about 27 minutes commuting to work each day. If you have a shorter commute or drive less frequently, you might qualify for discounts on your auto insurance premiums. Learn more by visiting our detailed “Auto Insurance Premium Defined” section.

In addition, the FBI’s annual statistics revealed that Peoria experienced 243 vehicle thefts in 2019. This high rate of auto theft can impact your auto insurance rates, particularly for comprehensive coverage. A higher incidence of vehicle theft typically leads to increased premiums for comprehensive insurance, as insurers adjust rates to mitigate the risk.

Moreover, comprehensive coverage can be crucial for Peoria drivers, considering the local weather conditions that may cause damage to vehicles. Having adequate comprehensive coverage ensures you are protected from weather-related damages as well as theft.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Final Insights on Auto Insurance in Peoria, AZ

Auto insurance rates in Peoria, AZ tend to be higher compared to the state average for Arizona and the national average. This discrepancy highlights the importance of actively seeking out the best possible rates for your coverage. Read our extensive guide on “How to Compare Auto Insurance Quotes” for more knowledge.

To secure more affordable auto insurance, it’s crucial to shop around and compare different policies from various providers. Take the time to ask detailed questions about coverage options and available discounts. Many insurers offer savings for factors such as safe driving records, bundling multiple policies, or installing safety features in your vehicle.

Before committing to an auto insurance policy in Peoria, AZ, make sure to obtain quotes from multiple insurance companies across the state. This comparison will help you understand the range of rates and coverage options available, allowing you to make a more informed decision and potentially find a policy that better fits your budget. Enter your ZIP code below to get fast, free Peoria, AZ auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption