Best Auto Insurance Rates in Peoria, Arizona

On average your neighbors pay $70 a month.

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Wednesday, January 9 2019 By Shantae Young

There's never a dull moment in Peoria, Arizona with the Peoria 83 (P83) entertainment district. There are great restaurants, shopping, spring training baseball games and the Arizona Broadway Theater, where you can catch various Broadway shows. The only thing more exciting is paying less for the same amount of car insurance coverage.

Average Peoria Car Insurance Rates

How much is car insurance in Peoria, AZ? Average car insurance rates in Peoria are not much lower than the national average. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year.

Prices may vary depending on your limits, coverage, and the total number of insurance claims filed in your zip code.

Arizona Average Annual Auto Insurance Rates
Coverage Rates
Liability $508.76
Collision $277.96
Comprehensive $186.12
Total Cost Per Year $843.92
Price Per Month $70.32
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year Arizona's rate data is available. According to the III, Arizona car insurance rates increased from $776 in 2011 to $844 in 2015, a jump of $67, or 8.67 percent.

Arizona average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Peoria, Arizona and save up to 40% on your premium.

Last year, 3,719 people used QuoteWizard to get a car insurance quotes comparison in Peoria, AZ from multiple companies to find the lowest rates.

Best Car Insurance Companies in Peoria, AZ

This is our list of the most common car insurance companies in reported by QuoteWizard users living in Peoria, Arizona last year.

  1. GEICO
  2. Progressive
  3. Allstate
  4. Farmers
  5. Liberty Mutual
  6. American Family
  7. AAA
  8. State Farm
  9. USAA
  10. Esurance
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Top 10 Vehicles

This is our list of the common car makes and models owned by Peoria, AZ drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Toyota Prius
  4. Ford Mustang
  5. Honda Civic LX
  6. Chevrolet C1500 Silverado
  7. Chevrolet Malibu
  8. Dodge Ram 1500
  9. Kia Soul
  10. Ford Focus SE
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Minimum Car Insurance Requirements in Peoria, AZ

Peoria, Arizona has a minimum liability coverage requirement known as the 15/30/10 rule. This rule means drivers are required to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurer will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum amount your insurer will pay for property damage caused by a car accident.

The State of Arizona also allows residents the option of obtaining a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

Peoria Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Peoria, Arizona ranked 24th out of the 200 cities in the report. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 10.5 years.

Peoria drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Weather and road conditions can have a major affect on insurance rates.

Weather

The weather in Peoria tends to be very hot and dry for most of the year. Summers are long and hot, experiencing 299 sunny days and many days with highs over 100 degrees. The winters can be cold at night, with lows sometimes reaching 30 degrees in January. Peoria sees about 8 inches of rainfall annually but monsoon moisture, can result in sudden downpours that can cause flash floods.

Road Conditions

According to a recent study by TRIP, 16% of the major streets in Arizona are in poor condition.  Costing residents $1.5 billion a year in vehicle operating costs and repairs, which averages out to $318 per motorist.

In an effort to improve road conditions after the winter storms, Peoria has asked residents to report any potholes or road problems. The city of Peoria has launched a new smartphone app called City Reporter that allows residents to capture photo, video or even audio of a public works problem and it will submit the problem to the appropriate department.

Traffic Congestion

Compared to most cities, Peoria doesn’t have terribly bad traffic congestion. However, the Valley's busiest intersection, Loop 101 and Bell Road, borders Peoria. This intersection sees over 94,000 motorists daily. Heavy traffic means an increased chance of traffic collisions.

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will remove your preferred status and force you to purchase a non-standard policy. This is what they call car insurance for high-risk drivers.

Traffic Tickets

The City of Peoria Municipal Court website gives information on how to pay traffic citations, changing court dates, and other court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Peoria DUI insurance.

Drunk Driving Accidents and Fatalities

Peoria Police reported 112 car crashes in 2017 where alcohol was a factor. These DUI crashes caused 86 injuries and two fatalities.

Car Accident Statistics

Peoria Police recorded 2,809 motor vehicle crashes in 2017 resulting in 948 injuries.

Traffic Fatalities

Peoria reported eight fatal car collisions in 2017 resulting in eight fatalities. Though all traffic collisions and deaths are tragedies, Peoria's estimated population of 168,181 makes it safe in terms of traffic fatalities.

Vehicle Theft Rates

Peoria Police reported 237 vehicle thefts in 2017. This is a rate of 1.41 per 1,000 residents or about half the US average of 2.37 thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are a great way to lower your rates. These are some of the many auto insurance discounts available to drivers in Peoria, AZ.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling your policies and vehicles under one policy can save you up to 20 percent off your premium
  2. Drivers 55 and older can qualify for the senior discount and the 55 and retired discount
  3. Keep your driving record clean and free of tickets and at-fault accidents. You might qualify for a good driving or accident free discount
  4. Drive less. Living close to work can lower your rates if you qualify for the low mileage discount
  5. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  6. Go to an accredited driving school and take a defensive driving course

Sources:

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