The average cost for full coverage car insurance in Peoria is $1,287 per year, which is slightly lower than the Illinois state average of $1,332 per year. Rates vary by location, though, and drivers in Peoria can save even more on car insurance by comparing rates from different car insurance companies.
policycentral will help you compare car insurance rates from the major companies in Peoria so you can find the right price for your situation.
Methodology & why you can trust our rates
policycentral has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Peoria, IL
Car insurance companies use a variety of information sources to set their rates. Your age, what car you drive, and your driving record and experience are all used to set rates. Insurers also consider the population, number of accidents, tickets issued, and claims within your ZIP code.
Company | Average cost | JD Power Rating |
|---|---|---|
FAIA | $689 | -- |
COUNTRY Financial | $842 | -- |
GEICO | $879 | 874 |
Auto-Owners Insurance | $946 | 865 |
State Farm | $992 | 882 |
Cheapest car insurance rates by ZIP code in Peoria, IL
Your car insurance rates will vary widely depending on the ZIP code where you live. The number of cars on the road, population density, and accident frequency vary by neighborhood, so residents of certain ZIP codes will have higher rates than people in other areas.
ZIP code | Average cost |
|---|---|
61615 | $1,252 |
61525 | $1,265 |
61614 | $1,266 |
61604 | $1,268 |
61603 | $1,283 |
61606 | $1,297 |
61605 | $1,309 |
61602 | $1,312 |
61625 | $1,331 |
Choosing the right car insurance company in Peoria, IL
When searching for the best value in car insurance it’s important to compare rates from multiple companies since each could offer you slightly different prices. Don’t just consider the differences in cost, though. Insurance companies may offer you discounts, like if you have multiple cars, are a safe driver, or are a first-time customer. policycentral compares rates for you so that you have all the information you need to make the right car insurance decision.
Car insurance rates for drivers with driving violations in Peoria, IL
Insurance companies will check your driving record, also known as your motor vehicle report, to determine your level of risk as a customer. Drivers with past violations on their record can generally expect to pay more, but rates still depend on which insurer you have.
Violation | FAIA | COUNTRY Financial | GEICO | Auto-Owners Insurance | State Farm |
|---|---|---|---|---|---|
At-fault accident | $956 | $1,344 | $1,522 | $1,214 | $1,176 |
DUI | $1,529 | $1,414 | $1,976 | $1,800 | $1,086 |
Suspended license | $1,214 | $1,414 | $2,388 | $1,800 | $1,086 |
Open container | $1,529 | $1,205 | $1,976 | $1,800 | $1,086 |
Expired registration | $893 | $1,205 | $987 | $958 | $1,086 |
Driving without lights | $712 | $1,205 | $1,134 | $958 | $1,086 |
Running a red light | $893 | $1,205 | $1,134 | $958 | $1,086 |
Following too closely | $893 | $1,205 | $1,134 | $958 | $1,086 |
Hit and run | $1,214 | $1,414 | $1,976 | $1,800 | $1,086 |
Not-at-fault accident | $712 | $909 | $1,172 | $958 | $1,008 |
Passing a school bus | $893 | $1,205 | $1,134 | $1,059 | $1,086 |
Reckless driving | $1,529 | $1,414 | $1,976 | $1,800 | $1,086 |
Speeding | $893 | $1,414 | $1,798 | $1,227 | $1,086 |
Cheapest car insurance for drivers with a DUI in Peoria, IL
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,086 |
COUNTRY Financial | $1,414 |
FAIA | $1,529 |
Auto-Owners Insurance | $1,800 |
GEICO | $1,976 |
Cheapest car insurance for drivers with a speeding ticket in Peoria, IL
Company | Rates for drivers with speeding tickets |
|---|---|
FAIA | $893 |
State Farm | $1,086 |
Auto-Owners Insurance | $1,227 |
COUNTRY Financial | $1,414 |
GEICO | $1,798 |
Cheapest car insurance for drivers with bad credit in Peoria, IL
Having a poor credit score can drastically increase your car insurance rates. While no insurance company can deny you coverage based on your credit score, it can still be a cause for increased premiums.
Company | Rates for drivers with bad credit |
|---|---|
FAIA | $1,346 |
COUNTRY Financial | $1,369 |
GEICO | $1,745 |
Nationwide | $1,746 |
Progressive | $1,768 |
Buying car insurance in Peoria, IL
Illinois is an at-fault state. This means that the person who was at-fault for causing the car accident is responsible for all damages. To help cover the cost of a potential accident, most drivers will require more coverage than the state-mandated minimums, so it’s best to get the highest level of coverage and deductible you can reasonably afford.
The state of Illinois has the following minimum coverage levels:
Bodily injury liability coverage per person: $25,000 per person and $50,000 per accident
Property damage liability coverage: $20,000
Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Underinsured motorist and personal injury protection coverage are both optional in Illinois. Personal injury protection covers medical expenses after an accident and in the unfortunate result of a death, it covers funeral expenses as well. Underinsured driver coverage provides protection in the event that the at-fault driver is underinsured.
How to get cheap car insurance in Peoria, IL
Set your budget. Figure your budget and what coverage you need before you start shopping.
Look for discounts. Different insurance companies offer different discounts, so make sure to check what discounts you are eligible for.
Bundle your policies. Getting a quote on all of your insurance policies at once may give you a better rate on all of them.
Compare prices. Each car insurance company has a different internal process for setting prices, so it’s important to compare car insurance prices from different companies. policycentral will gather prices from all the major insurance companies in Peoria to make your search easier.
Frequently asked questions
Is car insurance mandatory in Illinois?
Yes. Illinois state law requires vehicle owners to carry liability insurance for any vehicle registered in the state. If you drive without car insurance in Illinois, you could face a fine of at least $500.
How much auto insurance do I need in Illinois?
The state of Illinois requires drivers to have a minimum of 25/50/20 in liability coverage, which is $25,000 per person/$50,000 per accident in bodily injury liability coverage and $20,000 in property damage liability coverage. Drivers are also required to have $25,000/$50,000 in bodily injury uninsured motorist coverage.
Does turning 25 make me eligible for a lower rate in IL?
In general, yes. Drivers under the age of 25 are statistically more likely to cause an accident and file an insurance claim, so insurance companies mitigate this risk by charging them higher premiums. If you have a clean driving record you will likely see a decrease in your rates after age 25.
How much is car insurance per month in Illinois?
Drivers in Illinois pay an average of $1,332 per year for car insurance, which breaks down to $111 per month.
