Peoria, IL Car Insurance

The average premium in Peoria, Illinois is $107 per month. Explore ways to save in our guide.

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What's the average car insurance rate in Peoria?

 

The average cost of car insurance in Peoria, Illinois, is $1,283 per year. That's less expensive than the average across Illinois ($1,303) and cheaper than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Peoria.

 
AUTO INSURANCE COSTS: PEORIA VS. STATE AND US AVERAGES
Peoria Average (yearly)Illinois AverageUnited States Average
$1,283$1,303$1,548
 
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Peoria car insurance rates by provider

 

One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, GEICO offers Peoria's most affordable premiums. See below the best options for affordable auto insurance in Peoria. Don't forget to get car insurance quotes based on your driving profile.

 
PEORIA AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
GEICO$673
State Farm$1,151
Country$1,169
American Family$1,314
Progressive$1,381
 

Check out our guide to learn how to find the best cheap car insurance.

 

Peoria car insurance premiums by age

The age group that pays the least for car insurance in Peoria are drivers in their 50s ($1,117 per year). Drivers in their 60s pay marginally higher rates — $1,141 per year.

Teenage drivers pay Peoria's most expensive insurance rates. When Peoria drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Peoria is $2,927, the largest such difference between any two age brackets.

 
CAR INSURANCE RATES BY AGE TIER IN PEORIA
Age bracketAverage Yearly Rate
Teenagers$4,692
20s$1,765
30s$1,255
40s$1,210
50s$1,117
60s$1,141
70s$1,385
 

Learn more about the impact of age on car insurance premiums.

 

Peoria auto insurance rates by gender and marital status

 

Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Peoria pay $125 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Peoria, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect car insurance rates. In Peoria, female drivers pay $0 per year more than do male drivers for car insurance.

 
INSURANCE RATES IN PEORIA BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,283
Male$1,283
Single$1,158
Married$1,158
Divorced$1,283
Widowed$1,260
 

Read more about the relationships between gender, marital status and insurance rates.

 

Peoria auto insurance costs by accident and citation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Peoria drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $728 per year versus the city average. A ticket for speeding results in a $359 rate hike, on average, while a DUI violation costs $670 per year in insurance premiums.

 
PEORIA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Yearly Rate
DUI/DWI$1,953
Reckless Driving$2,011
At-fault Accident (damages less than $1,000)$1,842
At-fault Accident (damages greater than $2,000)$2,038
Speeding Ticket (16-20 mph over speed limit)$1,642
 

Learn more about citations' impact on your auto insurance rates.

 

Peoria car insurance rates by credit tier

 

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Peoria drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 58% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Peoria, improving your credit to "Fair" could help you earn a $990 decrease in yearly insurance premiums.

 
PEORIA AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Annual Rate
Very Poor$2,498
Fair$1,508
Good$1,283
Very Good$1,174
Exceptional$1,061
 

Learn more about the relationship between poor credit and car insurance.

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.