Best Cheap Auto Insurance in Peoria, AZ (2022)

On average, Peoria, AZ auto insurance rates are $4,195 per year. This puts Peoria’s average rate $424 more than the average for Arizona auto insurance.

However, Peoria, AZ auto insurance quotes vary depending on the company and other factors that affect auto insurance.

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We’re here to help. Our guide explains how you can secure cheap auto insurance in Peoria, Arizona, for every age, credit history, and driving record.

Monthly Peoria, AZ Car Insurance Rates by ZIP Code

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

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Peoria, AZ Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Peoria, AZ against other top US metro areas’ auto insurance rates.

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What is the cheapest auto insurance company in Peoria, AZ?

The cheapest auto insurance company in Peoria, AZ, is GEICO. The following most affordable companies are USAA and Travelers. However, USAA is only available for military veterans and their immediate families.

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

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

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GEICO, USAA, Travelers, and Nationwide are the only companies in Peoria that provide cheaper than average auto insurance rates.

With the right discounts, you can lower your annual auto insurance costs.

Before you get any discount, auto insurance providers will inspect specific factors that determine your auto insurance rates, such as age, gender, marital status, driving record, and credit history.

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The most significant factor is your driving record. Some auto insurance companies provide between 15%-40% off if you have a clean driving record. In addition to no traffic violations or accidents, a good credit score can lower your auto insurance rates even more.

Even your location is a factor. Your neighborhood ZIP code can save you hundreds more if you live in a safer address.

What’s the cheapest neighborhood in Peoria? The most affordable ZIP code in Peoria, Arizona, is 85373, and its average auto insurance cost is $322 per month.

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If you’re a male driver under 25 years old, you could face auto insurance quotes that are over $9,500 per year. On the other hand, senior drivers may have auto insurance rates of about $2,300 per year.

Peoria, Arizona auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

Your coverage level will play a significant role in your Peoria, AZ auto insurance rates. Find the cheapest Peoria, Arizona auto insurance rates by coverage level below:

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Your credit score will play a major role in your Peoria, AZ auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. 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. Find the cheapest Peoria, Arizona auto insurance rates by driving record.

Factors affecting auto insurance rates in Peoria, AZ may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Peoria, Arizona auto insurance.

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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.

What are the minimum auto insurance coverage requirements in Peoria, AZ?

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 coverage

Some auto insurance agents may recommend uninsured/underinsured motorist coverage to cover the gaps in insurance.

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What affects auto insurance rates in Peoria, AZ?

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Did you know that your daily drive to work and a city’s motor vehicle theft affect Peoria, AZ auto insurance quotes?

According to Data USA, it takes the average Peoria driver 27 minutes to get to work. If you drive your car less, you can receive a discount on auto insurance.

The FBI annual statistics reported that Peoria had 243 auto thefts in 2019. What does this mean for Peoria auto insurance? Vehicle theft has a significant impact on comprehensive auto insurance. Therefore, higher rates of motor vehicle theft will certainly increase auto insurance costs.

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Having adequate comprehensive auto insurance coverage can also come in handy when your car is damaged because of Peoria, Arizona weather.

Peoria, AZ Auto Insurance: The Bottom Line

The Arizona auto insurance average and national average are cheaper than the Peoria, AZ auto insurance average.

You can find cheap auto insurance by shopping around for the best policy. Ask questions and take advantage of discounts whenever they’re available.

Before you buy auto insurance in Peoria, AZ, be sure to compare rates with multiple Arizona auto insurance companies.

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.

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