Car Insurance in Peoria, Illinois
Estimated full coverage in Peoria runs about $1,280 a year ($107/month) — ▼ −7% versus the Illinois average, ranking 8th most expensive of the 12 Illinois cities we cover.
Why car insurance in Peoria costs less than the Illinois average
Insurers price by territory, and Peoria's numbers explain most of the gap. With 111,696 residents on 48.1 square miles, the city's density (2,321 people per square mile) is 38% higher than the density where the typical Illinois resident lives (1,685). The average commute is 17.9 minutes (Illinois: 27.8), and 75% of workers drive alone. Together these put our location factor at 0.93× the state baseline for liability and collision.
| Factor | Peoria | Illinois ref. | Why it matters |
|---|---|---|---|
| Population density | 2,321 / sq mi | 1,685 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 17.9 min | 27.8 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.6% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 74.6% | — | Share of workers commuting by car. |
| Public transit to work | 1.7% | — | Transit use lowers how much residents drive. |
| Work from home | 11.6% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 10.1% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 81.2 | 79.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Peoria
Rates can change from one ZIP code to the next. Across 8 Peoria ZIP codes, our full-coverage estimate ranges from $1,175 in 61602 to $1,310 in 61605. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 61604 | 28,313 | 1,863 | 18.1 min | 11.5% | $1,270 | −1% |
| 61614 | 27,370 | 2,277 | 16.5 min | 4.1% | $1,265 | −1% |
| 61615 | 23,523 | 794 | 20.4 min | 5.7% | $1,240 | −3% |
| 61603 | 15,356 | 3,635 | 17.5 min | 9.7% | $1,305 | +2% |
| 61605 | 13,424 | 3,066 | 18.8 min | 20.9% | $1,310 | +2% |
| 61606 | 6,684 | 5,461 | 13.9 min | 23.5% | $1,295 | +1% |
| 61602 | 1,163 | 1,044 | 12.2 min | 27.5% | $1,175 | −8% |
| 61625 | 456 | 7,238 | 9.5 min | 0.0% | $1,265 | −1% |
Minimum car insurance in Peoria
Peoria drivers follow Illinois's rules: at least 25/50/20 liability coverage, and uninsured motorist coverage. Illinois is at-fault (tort). We estimate state-minimum coverage in Peoria at $460 a year, and $670 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $20,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Illinois does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage must be included in an amount equal to uninsured motorist limits when those limits exceed the minimum. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Peoria premiums
Accidents
Illinois recorded 1,177 traffic deaths, or 1.13 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Illinois's vehicle theft rate is 238 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Hyundai Elantra (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Peoria County as relatively high for hail, relatively moderate for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
2.6% of Peoria commuters spend an hour or more getting to work, and there are 1.49 vehicles per household. 11.6% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 95.3 | Comprehensive (car); roof claims (home) | |
| Tornado | 95.8 | Comprehensive; dwelling | |
| Hurricane | 30.7 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 88.7 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 95.7 | Comprehensive; dwelling | |
| Winter weather | 86.4 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Peoria by driver profile
A clean-record driver in their 50s pays the least in our Peoria model (about $1,180 for full coverage); an 18-year-old on their own policy pays about $3,525, and a DUI pushes a 30-something to $2,370.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,270 | $1,840 | $3,525 | $294 |
| Young adult (22) | $740 | $1,070 | $2,050 | $171 |
| Adult in their 30s | $460 | $670 | $1,280 | $107 |
| Adult in their 50s | $425 | $615 | $1,180 | $98 |
| Senior (72) | $515 | $750 | $1,435 | $120 |
| 30s, one at-fault accident | $670 | $970 | $1,860 | $155 |
| 30s, DUI on record | $855 | $1,240 | $2,370 | $198 |
Minimum vs. standard vs. full coverage in Peoria
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $460 | $38 | $380–$545 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $670 | $56 | $550–$790 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,280 | $107 | $1,050–$1,510 |
Estimate your premium in Peoria
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Cheap car insurance in Peoria: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Peoria's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $85 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $90 | You're among the 11.6% of Peoria workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $335 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $610 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $285 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Peoria
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 17 offices listed below.
- Check complaint records with the Illinois Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Peoria, our estimates differ by up to $135 a year between neighborhoods.
Car insurance agents near Peoria, IL
We found 17 insurance offices within about 5 miles of central Peoria, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Delilah Pixley - American Family Insurance
416 Main St, Ste 823, Peoria, IL 61602 -
Erie Insurance
820 Sw Adams Street, Suite C, Peoria, IL 61602 -
Freeway Insurance
2014 N Knoxville Ave, Peoria, IL 61603 -
Cole J Munge - Farmers Insurance
100 N Main St, East Peoria, IL 61611 -
Randy Begole - State Farm
103 W Forrest Hill Avenue, Peoria, IL 61604 -
Laure Feld - Allstate
411 E Washington St, East Peoria, IL 61611 -
Erie Insurance
3304 N Prospect Road, Peoria, IL 61603 -
Carrie A Joos - Farmers Insurance
3622 N Knoxville Ave, Peoria, IL 61603 -
Jeff Burtis - State Farm
604 E War Memorial Dr, Peoria, IL 61614 -
Tony Christopherson - Allstate
3701 N Sheridan Rd, Peoria, IL 61614 -
August Barr - Allstate
2412 E Washington St, East Peoria, IL 61611 -
Saint Micius - Farmers Insurance
2519 W Reservoir Blvd, Peoria, IL 61615 -
Adam Osborn - State Farm
914 W Glen, Suite 1, Peoria, IL 61614 -
James A. Roberts - Allstate
1424 W Glen Ave, Ste B, Peoria, IL 61614 -
Seng Sophanavong - Allstate
4530 N Brandywine Dr, Ste G, Peoria, IL 61614 -
James Kenneth Maurice - Farmers Insurance
5901 N Prospect Rd, Peoria, IL 61614 -
Seng Sophanavong - Allstate
105 Eastgate Dr, Washington, IL 61571
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Peoria
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $960 | −25% |
| Subaru Outback | Wagon | $955 | −25% |
| Tesla Model 3 | Midsize car | $1,355 | +6% |
| Subaru Forester | Small SUV | $935 | −27% |
| Honda Civic | Compact car | $1,460 | +14% |
| Toyota Corolla | Compact car | $1,365 | +7% |
| Jeep Wrangler | Midsize SUV | $1,065 | −17% |
| Mazda CX-5 | Small SUV | $1,080 | −16% |
| MINI Cooper | Subcompact car | $970 | −24% |
| Tesla Model Y | Midsize SUV | $1,220 | −5% |
Car insurance in nearby Illinois cities
- Springfield $1,260/yr · 62 mi
- Decatur $1,250/yr · 67 mi
- Champaign $1,280/yr · 80 mi
- Joliet $1,410/yr · 94 mi
- Aurora $1,435/yr · 100 mi
- Naperville $1,480/yr · 104 mi
- Quincy $1,220/yr · 108 mi
- Rockford $1,330/yr · 112 mi
- Elgin $1,425/yr · 114 mi
- Chicago $1,615/yr · 127 mi
- Waukegan $1,415/yr · 146 mi
All Illinois cities and state rules · Homeowners insurance in Peoria
Frequently asked questions
How much is car insurance in Peoria, IL?
We estimate full coverage in Peoria at about $1,280 a year ($107 a month) for a driver in their 30s with a clean record, and about $460 for Illinois's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Peoria cheaper than the Illinois average?
Our Peoria estimate is 7% lower than the statewide figure. The model reflects a population density of 2,321 people per square mile (the typical Illinois resident lives at about 1,685) and an average commute of 17.9 minutes versus 27.8 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Peoria?
Drivers in Peoria follow Illinois law: at least 25/50/20 liability coverage and uninsured motorist coverage.
Which ZIP code in Peoria has the cheapest car insurance?
Among Peoria's 8 ZIP codes, 61602 has the lowest estimate (about $1,175 a year for full coverage) and 61605 the highest (about $1,310), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Peoria?
An 18-year-old with their own full-coverage policy would pay around $3,525 a year in Peoria by our estimate ($1,270 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Peoria?
Yes. FEMA's National Risk Index rates Peoria County for hail (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Peoria?
We list 17 insurance offices in and around Peoria, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Illinois Department of Insurance: Auto Insurance
- Illinois Department of Insurance: Auto Insurance Shopping Guide
- 215 ILCS 5/143a-2 (underinsured motorist coverage)
- Illinois Secretary of State: Financial Responsibility (SR-22) Insurance
- Illinois Secretary of State: Proof of Financial Responsibility - SR-22
- Illinois Department of Insurance: How to File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Peoria and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places