Best Auto Insurance Rates in Peoria, Arizona

On average your neighbors pay $70 a month.

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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.

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
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

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 label you a bad driver and force you to purchase high-risk auto insurance.

Traffic Tickets

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

In 2014, Peoria Police wrote 13,786 traffic citations.

Car Accident Statistics

Peoria Police recorded 2,691 motor vehicle crashes in 2016 resulting in 898 injuries. This is a big increase over the 2,214 car accidents reported in 2015.

Traffic Fatalities

Peoria reported thirteen fatal car collisions in 2016. This is two more than the eleven fatalities reported in 2015. Though all traffic collisions and deaths are tragedies, Peoria's estimated population of 1164,173 makes it safe in terms of traffic fatalities.

Drunk Driving Accidents and Fatalities

In 2016, Peoria reported 107 car crashes in which alcohol was a factor. These DUI crashes caused 86 injuries and five fatalities.

Peoria Police department arrested 507 motorists for driving under the influence in 2014.

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.

Vehicle Theft Rates

Peoria Police reported 205 vehicle thefts in 2016. This is a rate of 1.2 per 1,000 residents or nearly half the US average of 2.20 thefts per 1,000 people.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? These are some of the many auto insurance discounts available to drivers in Peoria, AZ depending on your carrier. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a quote.

  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 15% 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. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  7. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  8. Remove full comprehensive coverage from your policy
  9. Go to an accredited driving school and take a defensive driving course
  10. Shop around and compare affordable Peoria auto insurance quotes to discover all the discounts you qualify for

Sources:

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