Peoria, IL Car Insurance

The Zebra
July 25, 2018

Car Insurance in Peoria

Illinois is recognized for its economical premiums, as its mean rate is $307 lower than the national average. While premiums in the city are relatively low as well, cutting costs while insuring a vehicle in Peoria is still imperative. Keep some money in your pocket by following the tips below about how to save on car insurance in Peoria.

  • City Average: $1,116
  • State Average: $1,120
  • National Average: $1,427

Peoria Car Insurance by Age

With typical payments of $4,326, teenage drivers are the ones who pay the most in car insurance premiums. When drivers reach their 20s in Peoria, therefore moving out of the teenage age bracket, they can save $2,761, which is the most change you'll see between any age group. While car insurance premiums for drivers in Peoria will continue to decline through their 50s, they should expect an increase when they turn 60. At $966, drivers in their 50s have the lowest insurance payments among any age group.

  • Teenagers: $4,326
  • 20s: $1,564
  • 30s: $1,097
  • 40s: $1,071
  • 50s: $966
  • 60s: $1,023
  • 70s: $1,233

Peoria Car Insurance by Credit Rating

For those with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are $1,249 less per year. The greatest benefit of better credit comes from rising from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $382 per year.

  • Very Poor: $2,240
  • Fair: $1,826
  • Good: $1,444
  • Very Good: $1,175
  • Exceptional: $991

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Peoria Car Insurance by Accident or Violation History

Accidents and violations on your record can cost you in terms of car insurance rates. Being at-fault in an accident costs drivers an extra 50% per year in premiums compared to the city average. Drivers with a DUI in Peoria need to spend over double the average for the city to insure their vehicle. Reckless driving will push your rates up as well, with typical rates of $2,571. That is 130% higher than the city average!

  • DUI: $2,448
  • Reckless Driving: $2,571
  • At-fault Accident (damages less than $1000): $1,675
  • At-fault Accident (damages greater than $2000): $1,675
  • Speeding Ticket (16-20 mph over speed limit): $1,338

Peoria Car Insurance by Gender and Marital Status

Many driver characteristics, including gender and marital status, can influence car insurance premiums in Peoria. However, males have premiums that are only a bit more costly than those for females. Rates for those who are widowed are a hair cheaper than rates for those who are single. You spend an average of $73 more per year if you're single or divorced as opposed to married.

  • Female: $1,113
  • Male: $1,116
  • Single: $1,116
  • Married: $1,043
  • Divorced: $1,116
  • Widowed: $1,115