Best Peoria, IL Auto Insurance in 2025 (Top 10 Companies Ranked)
State Farm, Geico, and Progressive are the best Peoria, IL auto insurance providers, offering rates starting at $75/month. State Farm excels in trusted service, Geico provides affordable service, and Progressive offers flexible coverage. Compare Peoria, IL auto insurance for the best deals.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Feb 3, 2025
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13,128 reviewsGet the best Peoria, IL auto insurance with State Farm, Geico, and Progressive, starting rates at $75 per month.
State Farm leads with trusted service, Geico stands out for affordability, and Progressive provides flexible coverage options to fit a range of insurance needs.
Our Top 10 Company Picks: Best Peoria, IL Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Trusted Service | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 10% | A+ | Flexible Coverage | Progressive |
 | #4 | 25% | A+ | Comprehensive Options | Allstate |
 | #5 | 25% | A+ | Customer Satisfaction | Erie |
 | #6 | 10% | A++ | Military Families | USAA |
 | #7 | 20% | A | Personalized Service | Farmers |
 | #8 | 25% | A | Family Protection | American Family |
 | #9 | 25% | A | Coverage Variety | Liberty Mutual |
 | #10 | 13% | A++ | Reliable Support | Travelers |
Your rate might change depending on things like your driving history, the car you drive, or your credit score—especially if you’re considered a high-risk driver.
By comparing these providers, you’ll be sure to find the best auto insurance for your needs in Peoria, Illinois. Just enter your ZIP code into our free quote tool above to find the perfect coverage near you.
- Get the best Peoria, IL auto insurance starting at just $75/month
- State Farm is your go-to for trusted service and dependable coverage
- Compare State Farm, Geico, and Progressive to find affordable plans
#1 – State Farm: Top Overall Pick
Pros
- Reliable service: Peoria, Illinois residents cite State Farm as one of the best auto insurance providers in their state. To find their best deals, check out the State Farm auto insurance review.
- Affordable Rates: State Farm offers competitive rates starting at $101 for minimum coverage for auto insurance Peoria, IL, drivers.
- Bundling Discount: State Farm gives up to a 17% discount for bundling multiple policies, which is an excellent way for the best car insurance in Peoria policyholders to save more.
Cons
- Limited Multi-Policy Discount: The multi-policy discount may not be as generous as some competitors for auto insurance in Peoria.
- Higher Premiums for Full Coverage: The same is true for State Farm, as they offer multi-car discounts, but they also tend to charge higher overall premiums for full coverage in Peoria, Illinois.
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#2 – Geico: Best for Affordable Rates
Pros
- Low Rates: Geico is one of the best car insurance rates in Peoria, IL options for affordable car insurance in Peoria, Illinois, with rates starting at just $88 for minimum coverage.
- A++ Rating for Stability: Geico’s A++ rating from A.M. Best means that Peoria, Illinois, auto insurance customers can trust their financial stability.
- Extensive Discounts: With discounts for military, good drivers, and multi-policy, Geico is a great choice for Peoria, IL, policyholders looking to save. Refer to our Geico auto insurance review
Cons
- Limited Local Agent Support: Geico offers fewer local car insurance agents in Peoria, IL which might be a disadvantage for Peoria, IL drivers who prefer personal interaction.
- Not Always the Best for Full Coverage: Full coverage premiums from Geico can be higher compared to some other providers in Peoria, Illinois.
#3 – Progressive: Best for Flexible Coverage
Pros
- Flexible Coverage: When it comes to car insurance in Peoria, IL, Progressive is no doubt one of the providers that gives you the freedom to pick aboard at least the most suitable coverage.
- Affordable Rates: Progressive provides competitive pricing, starting at $105 per month for minimum coverage in Progressive Insurance in Peoria, IL.
- Snapshot Program: Progressive’s Snapshot program helps drivers in Peoria, Illinois, save based on their driving habits. Take a look at our Progressive auto insurance review.
Cons
- Higher Rates for High-Risk Drivers: Peoria insurance buyers with a history of accidents may face higher rates with Progressive than other providers.
- Claims Process Can Be Slow: Some users in Peoria, IL, report that the claims process with Progressive can take longer than expected.
#4 – Allstate: Best for Comprehensive Options
Pros
- Comprehensive Options: Allstate provides extensive coverage choices, which is ideal for Peoria, Illinois policyholders looking for robust protection.
- Discounts Up to 25%: Allstate offers a discount of up to 25% on policies. It can be combined with some other policies which is a great deal for Peoria, Illinois, drivers.
- Proven Customer Satisfaction: Allstate consistently ranks high for customer satisfaction, offering excellent service to car insurance policyholders in Peoria, IL.
Cons
- Higher Full Coverage Rates: Allstate’s premiums for full coverage can start at $175, which might be a bit higher for some Peoria drivers. Visit our Allstate auto insurance review for more info.
- Limited Discounts for Young Drivers: Allstate’s discounts for younger drivers may not be as extensive as those of other car insurance companies in Peoria, IL.
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#5 – Erie: Best for Customer Satisfaction
Pros
- Customer Satisfaction: Because they do a stellar job of managing their interactions with their customer, it is clear that Erie is the go-to for drivers in Peoria, IL.
- Affordable Rates: Erie offers budget-friendly premiums, with rates starting at $95 for minimum coverage in Peoria, Illinois. Visit our Erie auto insurance review.
- Bundling Savings: Erie provides savings for multi-policy and safe driver discounts, helping Peoria, IL, drivers reduce their premiums.
Cons
- Availability: Erie might not be an option for every neighborhood in the Peoria, Illinois area.
- Limited Mobile App Features: Erie’s app may also fall short against other competitors, at least in terms of wooing techier Peoria, IL, drivers.
#6 – USAA: Best for Military Families
Pros
- Military Families: USAA is an excellent choice for Peoria, IL, drivers who are military families, offering exclusive benefits and great rates.
- Extremely Low Rates: USAA offers the lowest premiums in Peoria, Illinois, with rates starting as low as $75 for minimum coverage.
- Excellent Customer Service: Known for outstanding customer service, USAA is a top pick for military families in Peoria, IL. Check out our USAA auto insurance review.
Cons
- Only Available to Military Families: USAA is not open to the general public, meaning only military families can access these low rates in Peoria, IL.
- Limited Coverage Options: Although USAA is great for military families, its coverage options may be more limited compared to other car insurance companies Peoria, IL.
#7 – Farmers: Best for Personalized Service
Pros
- Personalized Service: Farmers cater to Peoria, IL, drivers who need a personal touch and require customized auto insurance coverage.
- Great Bundling Discounts: Farmers offer multi-policy discounts, helping Peoria insurance customers save money through bundling policies.
- Reliable Coverage for Families: Farmers’ family-focused coverage options make it a great choice for Peoria, IL, drivers with multiple vehicles or teen drivers.
Cons
- Higher Premiums for Some Drivers: Drivers with a history of accidents in Peoria, Illinois, may find that Farmers’ premiums are higher than those of competitors.
- Fewer Online Resources: Farmers Insurance Peoria, IL may not have as many online tools and resources as some other Peoria, IL insurers. Read our Farmers auto insurance review for more information.
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#8 – American Family: Best for Family Protection
Pros
- Family Protection: American Family offers a wide variety of coverage options for families in Peoria, Illinois, focusing on comprehensive protection.
- Discounts Up to 25%: With multi-policy and safe driving discounts, American Family helps Peoria, IL, drivers save up to 25% on premiums. Refer to our American Family auto insurance review.
- Affordable Full Coverage: American Family provides affordable full coverage with rates starting at $155 per month for Peoria, Illinois policyholders.
Cons
- Limited Discounts for Young Drivers: Young drivers in Peoria, IL, may receive fewer discounts from American families compared to other providers.
- Higher Minimum Coverage Rates: The starting rate for minimum coverage in Peoria, IL, can be slightly higher at $100 compared to some competitors.
#9 – Liberty Mutual: Best for Coverage Variety
Pros
- Coverage Options: In Peoria, IL, drivers can now choose Liberty Mutual’s tailor-made options, which give them more freedom over their policies.
- Safe Vehicle Discounts: Drivers in Peoria have more reasons to smile. They also get discounts for possessing safe cars, which helps them cut costs even further.
- Affordable Rates: Liberty Mutual is an excellent choice for drivers in Peoria, IL, for efficient and cost-effective insurance. Check out our Liberty Mutual auto insurance review.
Cons
- Limited Local Agent Support: Although Liberty Mutual may offer fewer local agents, this could be a downside for those who live in Peoria, Illinois, and prefer in-person service.
- Higher Premiums for Older Drivers: Older drivers in Peoria, IL may find that Liberty Mutual’s premiums are higher compared to other providers.
#10 – Travelers: Best for Reliable Support
Pros
- Reliable Support: For customers, Travelers is the cornerstone of satisfactory service for all Peoria, Illinois residents who expect an efficient touch.
- Competitive Rates: Travelers provides affordable premiums, with rates starting at $125 for minimum coverage in Peoria, Illinois. Visit our Travelers auto insurance review.
- Discounts for New Cars: Travelers gives discounts for new car owners, making it an attractive choice for Peoria, IL drivers with recent purchases.
Cons
- Higher Full Coverage Premiums: Full coverage from Travelers can start at $185, which may be more expensive compared to other Peoria, IL auto insurance providers.
- Limited Discounts for High-Risk Drivers: Drivers with a history of accidents in Peoria, IL, may not receive as many discounts from Travelers, leading to potentially higher premiums.
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Your Guide to Finding Affordable Auto Insurance in Peoria, IL
In Peoria, IL, low-cost auto insurance is important, and providers like State Farm, Geico, and Progressive offer you monthly premiums with an average of $75. Depending on how comprehensive or rudimentary you want your coverage, these providers will provide you with safe driver discounts that can substantially lower your costs if you qualify.
Peoria, IL Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $115 | $175 |
| $100 | $155 |
 | $95 | $145 |
| $110 | $170 |
| $88 | $140 |
| $120 | $180 |
| $105 | $165 |
| $101 | $150 |
| $125 | $185 |
| $75 | $125 |
Auto insurance prices in Peoria depend significantly on your chosen provider and the coverage level. Geico provides some of the lowest rates, with minimum coverage starting at $88 and full coverage at $140 per month. USAA offers even lower rates for military families, beginning at $75. Comparing auto insurance quotes in Peoria, IL is essential in this competitive market to ensure you get the best deal.
Auto Insurance Discounts From the Top Providers in Peoria, IL
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-policy, Anti-theft, New Car, Good Student, Paperless Billing, Early Signing |
| Multi-policy, Good Driver, Defensive Driving, Good Student, Auto Safety Features, Loyalty, Paperless |
| Safe Driver, Multi-policy, New Vehicle, Pay-in-Full, Defensive Driving, Accident-Free, Reduced Usage |
| Multi-policy, Good Driver, Homeowner, Good Student, Safe Vehicle, Paperless, Senior Driver |
| Good Driver, Military, Multi-policy, Defensive Driving, Federal Employee, Good Student, Anti-theft |
| Multi-policy, Military, Good Driver, Homeowner, New Vehicle, Paperless, Pay-in-Full, Early Shopper |
| Safe Driver, Multi-car, Homeowner, Good Student, Snapshot (usage-based), Pay-in-Full, Paperless |
| Good Driver, Multi-policy, Safe Vehicle, Good Student, Defensive Driving, Accident-Free, Drive Safe & Save |
| Multi-policy, Safe Driver, Homeowner, Good Student, Safe Vehicle, Pay-in-Full, New Car |
| Military, Safe Driver, Multi-policy, Good Student, New Vehicle, Defensive Driving, Loyalty |
Peoria’s auto insurance companies provide various discounts that can help decrease your premiums, such as multi-policy bundles and military discounts. Providers like Allstate and Geico offer incentives for safe drivers and early sign-ups, which can meaningfully reduce your expenses.
| Coverage | Requirements | Most Common Coverage Levels |
|---|---|---|
| Bodily Injury Liability | Minimum: $25,000 per person/$50,000 per accident | Common: $50,000/$100,000 or higher |
| Property Damage Liability | Minimum: $20,000 | Common: $50,000 or higher |
| Uninsured Motorist | Minimum: $25,000 per person/$50,000 per accident | Common: Matches liability limits |
| Underinsured Motorist | Optional | Common: Matches uninsured motorist |
| Medical Payments (MedPay) | Optional | Common: $5,000 to $10,000 |
| Comprehensive | Optional | Common: $500 deductible |
| Collision | Optional | Common: $500 deductible |
While Peoria’s minimum auto insurance requirements may be enough for some, adding coverage like collision and uninsured motorists can offer more security in the event of an accident. Evaluating your needs and comparing different providers will help you find comprehensive coverage at an affordable price, ensuring both compliance and peace of mind.
Understanding Auto Insurance Rates in Peoria, IL
In Peoria, IL, several factors like your ZIP code, age, and where you live play significant roles in how auto insurance companies figure out your premiums. The best Peoria, IL auto insurance offers competitive rates that stack up well against others.
Peoria, IL Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B | Slightly above average |
| Traffic Density | B | Moderate congestion |
| Weather-Related Risks | B- | Moderate seasonal risks |
| Uninsured Drivers Rate | B- | Moderate uninsured rate |
| Vehicle Theft Rate | C+ | Slightly higher than average |
The local report card sheds some light on this average claim size, which is slightly above average with a B rating. Traffic density has moderate congestion and also scores a B, and weather-related risks come in at a B-.
When choosing auto insurance in Peoria, IL, always compare rates from several providers to ensure you get the best coverage for your needs, and don’t hesitate to ask about discounts like safe driver or bundling to maximize your savings.
Ty Stewart Licensed Insurance Agent
The uninsured drivers rate and vehicle theft rates are both slightly higher than average, impacting how your premium is calculated. By understanding these elements, you can better negotiate the most cost-effective coverage for your needs in Peoria.
ZIP Code
In Peoria, IL, auto insurance costs vary not just from driver to driver but also from one neighborhood to another. For instance, while you might pay about $105 for insurance in the 61615 ZIP code, another area like 61605 might see rates as high as $125. These differences are due to various local factors, such as the overall accident rates and crime statistics within each ZIP code.
Peoria, IL Auto Insurance Monthly Rates by ZIP Code
| ZIP | Monthly Rates |
|---|---|
| 61602 | 110 |
| 61603 | 115 |
| 61604 | 120 |
| 61605 | 125 |
| 61606 | 118 |
| 61607 | 112 |
| 61614 | 108 |
| 61615 | 105 |
| 61625 | 110 |
| 61629 | 113 |
With a population of 115,588 and an average household income of $47,369, insurers use these data points to assess the likelihood of claims, which in turn influences your premium. So, even if you’re the safest driver around, living in a high-risk area could mean you’ll end up paying more for auto insurance.
Automotive Accidents
Peoria, IL, presents a unique scenario when it comes to auto insurance rates, shaped significantly by local driving and safety statistics. Each year, the city sees about 2,200 accidents, resulting in around 1,800 insurance claims, with the average claim costing about $4,200.
Peoria, IL Fatal Accidents
| Category | Count |
|---|---|
| Total Fatal Accidents | 15 |
| Accidents Involving Alcohol | 5 |
| Accidents Involving Speeding | 6 |
| Accidents Involving Distracted Driving | 4 |
| Accidents Involving Pedestrians | 3 |
Notably, Peoria records 15 fatal accidents annually, with incidents often involving alcohol, speeding, or distracted driving. Although Peoria’s rates of uninsured drivers and vehicle thefts—10% and 200 thefts per year, respectively—add some risk, they are manageable compared to similar-sized cities.
Peoria, IL Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 2,200 |
| Total Claims Per Year | 1,800 |
| Average Claim Size | $4,200 |
| Percentage of Uninsured Drivers | 10% |
| Vehicle Theft Rate | 200 thefts/year |
| Traffic Density | Medium |
| Weather-Related Incidents | Medium |
This balance helps keep insurance premiums in Peoria reasonably affordable, even with challenges like seasonal weather variations and moderate traffic conditions.
Auto Thefts in Peoria
In Peoria, IL, selecting the right auto insurance often comes down to understanding the cost difference between liability and comprehensive coverage, which can be influenced by local rates of vehicle theft. Providers show varied pricing, with liability coverage ranging from $80 at USAA to $100 at Liberty Mutual and comprehensive rates from $115 to $135 for the same companies.
Peoria, IL Auto Insurance Monthly Rates: Liability vs. Comprehensive
| Insurance Company | Liability | Comprehensive |
|---|---|---|
| $95 | $130 |
| $92 | $128 |
| $87 | $122 |
| $94 | $132 |
 | $85 | $120 |
| $100 | $135 |
 | $88 | $123 |
 | $90 | $125 |
| $91 | $126 |
| $80 | $115 |
This variance indicates that while some insurers might offer attractive rates for basic coverage, the comprehensive option might be pricier, reflecting the heightened risk associated with auto theft. If you’re concerned about theft, consider enhancing your vehicle’s security or choosing a model less attractive to thieves, as these steps can help reduce your insurance costs in Peoria.
Balancing both types of coverage and prioritizing vehicle theft protection tailored to the specific risks in your area can significantly enhance the effectiveness and affordability of your auto insurance. This strategy ensures you’re fully prepared to handle any challenges that might arise while driving.
Credit Score
Credit scores are a tricky thing in general. When it comes to your car insurance, this is certainly no exception. Obviously, you want to do everything you can to make sure your credit score is as high as possible because it will help you get a substantially less expensive rate.
Peoria, IL Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $110 | $140 | $190 |
| $108 | $138 | $188 |
| $100 | $130 | $170 |
| $115 | $145 | $195 |
| $90 | $120 | $160 |
| $120 | $150 | $198 |
| $105 | $135 | $180 |
| $95 | $125 | $160 |
| $106 | $136 | $186 |
| $80 | $105 | $145 |
Unfortunately, this is easier said than done for many drivers. If you haven’t paid attention to your credit score lately, you should definitely use one of the free sites to check and see what your score is now. If your credit score is lower than 720, you’re going to want to take steps to raise it so that you can get a lower monthly premium.
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This is especially important when considering how your credit score affects your car insurance premiums. Alternatively, you could see if there are companies that don’t consider credit in their decision when determining your premiums.
Age
Your age has a lot to do with how experienced you are as a driver. The more driving experience you have, the less statistically likely you are to get into an accident, which means that insurance providers will charge you a lower rate. If you are a teenage driver, or if you are the parent of a teenage driver who is struggling to pay for adequate coverage, consider bundling everyone together on a family policy.
Peoria, IL Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 34 Female | Age: 34 Male |
|---|---|---|---|---|
| 320 | 340 | 110 | 120 |
| 310 | 330 | 105 | 115 |
| 300 | 320 | 100 | 110 |
| 315 | 335 | 108 | 118 |
| 290 | 310 | 95 | 105 |
| 325 | 345 | 115 | 125 |
| 305 | 325 | 102 | 112 |
| 295 | 315 | 98 | 108 |
| 300 | 320 | 100 | 110 |
| 280 | 300 | 90 | 100 |
Young drivers should also do everything they can to get good grades and to prove that they are confident behind the wheel with some driver’s education training in order to get some extra discounts.
Driving Record
The cleaner your driving record, the more confident your insurance company is that you will not get into an accident. Like many of the factors we have discussed so far, this will get you cheap car insurance in Peoria for a monthly premium.
Peoria, IL Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| 110 | 130 | 150 | 200 |
| 105 | 125 | 145 | 190 |
| 100 | 120 | 140 | 185 |
| 108 | 128 | 148 | 195 |
| 95 | 115 | 135 | 180 |
| 115 | 135 | 155 | 210 |
| 102 | 122 | 142 | 187 |
| 98 | 118 | 138 | 182 |
| 100 | 120 | 140 | 185 |
| 90 | 110 | 130 | 175 |
If you do have recent tickets, accidents, or other blemishes on your driving record, the good news is that your insurance company will no longer factor them in once they are 3 – 5 years old or more.
The bad news is that the more recent these infractions are, the longer you will have to wait until they are erased from your record to get safe driver discounts for you.
Vehicle
The type of vehicle you drive doesn’t just get factored in based on how likely it is to get stolen. The age of your vehicle, as well as its overall price tag, will have a major impact on your final premium.
Peoria, IL Auto Insurance Monthly Cost by Make & Model
| Insurance Company | 2024 Honda Accord | 2024 Chevy Corvette |
|---|---|---|
| $140 | $230 |
| $138 | $228 |
| $130 | $215 |
| $145 | $235 |
| $120 | $210 |
| $150 | $240 |
| $135 | $225 |
| $125 | $215 |
| $148 | $238 |
| $110 | $200 |
Gap coverage for a brand-new vehicle will cost more, but it will protect you from being stuck upside down on a new car loan if you get into a vehicle-totaling accident. On the other hand, older vehicles that won’t cost much to repair or replace will automatically qualify you for lower monthly insurance premiums.
Minor Factors in Cheap Auto Insurance in Peoria, Illinois
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
Most newlyweds may not know that they can bundle together under the same auto insurance plan as their spouse in order to take advantage of some decent discounts. Some insurance companies even allow this bundling if you qualify for domestic partnership status.
It’s good to talk to your insurance agent and see whether or not living under the same roof and parking in the same driveway as your significant other can get you a decent discount on your premiums.
Your Gender
Insurance companies vary in how they charge male and female drivers different premiums, with some adjusting rates based on gender while others do not. The truth is that many insurance companies don’t really practice this anymore. Some, however, may still charge different Peoria, IL auto insurance rates based on gender alone.
You should definitely ask your insurance provider whether or not this is the case with their company. Depending on if so – and by how much – you make it a better deal with a provider who does not factor gender into their premium calculating equation.
Your Driving Distance to Work
Commute times in Peoria, IL, can be a little iffy. If you’re lucky, it may only take you about 10 minutes to get to work; on the other hand, most drivers could end up spending around 20 minutes behind the wheel. And keep in mind you’ll be driving in rush-hour traffic, which increases the likelihood of an accident.
About 82% of residents will brave this traffic alone in their own vehicle, with far less than 20% of people trying to carpool or use public transportation. Have you thought about using one of those plug-in devices to track your mileage in order to get a discount from your insurance company? The average motorist drives around 15,000 miles a year.
If you think you drive less than that – especially if you avoid driving during rush hour traffic and/or driving during dangerous times, such as late at night on the weekend – you may be able to save upwards of 30% or more. It all depends on whether your car insurance provider offers such discounts, though, so be sure to ask them before you make a decision on an auto policy.
Your Coverage and Deductibles
The amount of money you could potentially save on your monthly premiums is inversely related to the amount of money you pay for your deductible. Raising your deductible as high as $1,000 or $2,000 could save you a decent chunk of money in the long run – provided you stay accident-free, of course.
Before you decide to make the change, though, make sure you put that deductible money away in a safe place so that you can get back on the road quickly if you do get into an accident. Explanation of deductibles is crucial, as lots of people can’t get to work or access that deductible money if they don’t have a vehicle.
Your insurance provider may not provide you with a replacement one to get around until after your deductible is paid. State Farm’s Auto Claims Subrogation and Deductible Refund Process explains how they work to recover costs from the at-fault party and potentially get your deductible back. When you file an auto insurance claim, and the other party is at fault, a series of events unfold to resolve the claim.
Education in Peoria, IL
Peoria stands out in Illinois for its higher education levels, with more residents holding bachelor’s, professional, and doctoral degrees than the state average and about the same number holding master’s degrees. Additionally, many residents pursue some college education rather than just completing high school, with only 32% having no more than a high school diploma.
The city hosts several educational institutions, including Bradley University and Methodist College, which have the highest enrollment rates, along with specialized schools like the Regency Beauty Institute-Peoria and the Saint Francis Medical Center College of Nursing.
For those considering options outside the city, Illinois State University and Illinois Central College are nearby. This emphasis on education parallels the competitive nature of local businesses, including insurance providers, where shopping around can lead to better customer service and lower rates.
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How We Conducted Our Car Insurance Analysis
We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home.
The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device, which may qualify for an anti-theft device discount.
Case Studies: How Peoria, IL Drivers Found the Best Auto Insurance for Their Needs
Let’s check out how three Peoria drivers found the perfect auto insurance for their needs. As the experiences of the people described in these accounts show, it may be as simple as saving money, finding the best coverage, or speaking to a helpful customer service representative.
- Case Study #1 – Affordable Choice: Emily, a 25-year-old recent graduate, wanted something affordable. She considered Geico, Progressive, and State Farm and found that Geico’s top-level coverage at only $75/month was exactly what she needed.
- Case Study #2 – Custom Coverage: Mark, a business owner with a high-end car, needed more than just the basics. He went with Progressive because their flexible plans allowed him to add the extra coverage he wanted. Mark found the perfect balance of protection without overpaying.
- Case Study #3 – Trusted Service: Sarah, a Peoria local for years, needed an insurance company she could really rely on. She went with State Farm because of their friendly local agents and great service. Now, she feels totally at ease knowing she has a trusted partner to turn to whenever she needs help.
These stories show that no matter what you’re looking for—saving money, customizing your coverage, or having great support—an auto insurance plan in Peoria fits, with plenty of auto insurance coverage options to choose from. State Farm, Geico, and Progressive are all solid choices for finding the right coverage for you.
When I switched to Geico, my rates dropped significantly, and the customer service team made the transition smooth and stress-free, really making it feel like they cared about saving me money and meeting my needs.
Merriya Valleri Insurance and Finance Writer
Each Peoria, Illinois, insurance provider has something different to offer, so it’s easy to find the one that works best for you. Use our quote comparison tool below to get fast and affordable auto insurance today.
Choosing the Right Auto Insurance in Peoria
Selecting the Best Peoria, IL, auto insurance involves more than just looking at the price. It’s crucial to consider how each policy matches your specific needs. Since car insurance rates are influenced by local factors like driving habits and regional risks, residents should focus on understanding these elements to make informed choices.
Opting for the right balance of coverage, from liability to comprehensive, ensures not just compliance with state legislation but real protection on the road. Cutting through discounts and customizing your insurance, opting for collision or uninsured motorists coverage, can greatly increase your miserly security and make your insurance beneficial for you in the most effective way possible.
Get the best auto insurance rates possible by entering your ZIP code into our free comparison tool today.
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Frequently Asked Questions
How much does auto insurance cost in Peoria, IL?
In Peoria, IL, auto insurance typically starts around $75 for minimum coverage. Full coverage can range from $140 to $185, depending on the provider and the level of protection you need.
What affects my auto insurance rates in Peoria, Illinois?
Your Peoria, Illinois auto insurance rates depend on factors like your driving record, the type of car you drive, your credit score, and where you live in Peoria, IL.
Can I save money by bundling auto insurance in Peoria, IL?
Bundling car insurance and renters insurance can save you money up to 25% in Peoria, IL, with providers like State Farm, Geico, and Progressive. It’s a simple way to save money and make life a little easier.
Can I switch auto insurance providers anytime in Peoria, IL?
Yes, you can totally switch your auto insurance in Peoria whenever you want! Just make sure your new policy is all setup and active before canceling the old one so you don’t end up with any coverage gaps.
How do I file an auto insurance claim in Peoria, Illinois?
Filing a claim in Peoria, Illinois, is simple. Just contact your insurance provider by phone, online, or through their mobile app and provide details about the incident.
What discounts can I get on auto insurance in Peoria, IL?
In Peoria, IL, you can get discounts for safe driving, bundling policies, using anti-theft devices, good student discounts, and more. Providers like Geico and State Farm offer plenty of ways to save.
Does my credit score affect my auto insurance rates in Peoria, IL?
Yes, your credit score can impact your auto insurance rates in Peoria. Generally, a better score means lower rates, while a lower score might bump them up a bit.
How do I get the best cheap car insurance in Peoria, IL?
To find the best cheap car insurance in Peoria, IL, compare quotes from providers like Geico, Progressive, and State Farm. Geico often offers the lowest rates, starting at $75 for minimum coverage for the cheapest car insurance in Peoria, IL.
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Is full coverage auto insurance worth it in Peoria, IL?
Full coverage in Peoria, IL, is a good idea if you drive a newer or higher-value car. It costs more but gives you more protection in case of accidents, theft, or other damages, including automobile liability coverage, which helps cover costs if you’re at fault in an accident.
What’s the best auto insurance in Peoria, IL?
In Peoria, IL, State Farm, Geico, and Progressive are the top picks. State Farm is known for local agent support, Geico offers low rates, and Progressive gives you flexible coverage options.
What are the benefits of commercial auto insurance in Peoria, IL?
Gain protection for your business vehicles with commercial auto insurance in Peoria, IL. This coverage, along with commercial vehicle insurance in Peoria, shields against on-road risks, providing financial security and peace of mind.
How can I save a lot on insurance in Peoria, IL?
To maximize savings on insurance, compare Peoria car insurance quotes from various insurance companies in Peoria, IL. Leveraging these comparisons helps ensure you get the best coverage at the most favorable rates.