Car Insurance in Peoria, Arizona
Estimated full coverage in Peoria runs about $1,755 a year ($146/month) — ▲ +5% versus the Arizona average, ranking 8th most expensive of the 14 Arizona cities we cover.
Why car insurance in Peoria costs more than the Arizona average
Insurers price by territory, and Peoria's numbers explain most of the gap. With 199,924 residents on 176.7 square miles, the city's density (1,131 people per square mile) is 53% higher than the density where the typical Arizona resident lives (741). The average commute is 28.2 minutes (Arizona: 25.4), and 66% of workers drive alone. Together these put our location factor at 1.05× the state baseline for liability and collision, and 1.06× for comprehensive once FEMA weather risk for Maricopa County is included.
| Factor | Peoria | Arizona ref. | Why it matters |
|---|---|---|---|
| Population density | 1,131 / sq mi | 741 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 28.2 min | 25.4 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 8.5% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 66.2% | — | Share of workers commuting by car. |
| Public transit to work | 0.3% | — | Transit use lowers how much residents drive. |
| Work from home | 22.8% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 4.4% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 81.8 | 78.4 | 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 5 Peoria ZIP codes, our full-coverage estimate ranges from $1,490 in 85324 to $1,875 in 85345. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 85383 | 74,390 | 475 | 30.2 min | 1.8% | $1,705 | −3% |
| 85345 | 60,918 | 4,801 | 27.5 min | 4.0% | $1,875 | +7% |
| 85382 | 43,729 | 4,410 | 27.7 min | 6.0% | $1,870 | +7% |
| 85381 | 27,650 | 4,145 | 26.6 min | 6.3% | $1,850 | +5% |
| 85324 | 2,181 | 7 | 31.3 min | 0.0% | $1,490 | −15% |
Minimum car insurance in Peoria
Peoria drivers follow Arizona's rules: at least 25/50/15 liability coverage. Arizona is at-fault (tort). We estimate state-minimum coverage in Peoria at $695 a year, and $1,005 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 | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Arizona does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured motorist coverage in writing; it is optional, and if bought the minimum is 25/50. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Insurers must offer underinsured motorist coverage in writing; it is optional, and if bought the minimum is 25/50. | 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 |
Minimums were raised from 15/30/10.
Risk factors that shape Peoria premiums
Accidents
Arizona recorded 1,229 traffic deaths, or 1.74 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
Arizona's vehicle theft rate is 184 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Maricopa County as very high for hail, very high for inland flooding and very high for strong wind, and very low for hurricanes.
Traffic & commuting
8.5% of Peoria commuters spend an hour or more getting to work, and there are 1.95 vehicles per household. 22.8% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.5 | Comprehensive (car); roof claims (home) | |
| Tornado | 84.0 | Comprehensive; dwelling | |
| Hurricane | 26.6 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 99.1 | Comprehensive; dwelling | |
| Winter weather | 38.7 | 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 $1,615 for full coverage); an 18-year-old on their own policy pays about $4,825, and a DUI pushes a 30-something to $3,245.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,905 | $2,765 | $4,825 | $402 |
| Young adult (22) | $1,110 | $1,610 | $2,805 | $234 |
| Adult in their 30s | $695 | $1,005 | $1,755 | $146 |
| Adult in their 50s | $640 | $925 | $1,615 | $135 |
| Senior (72) | $775 | $1,125 | $1,965 | $164 |
| 30s, one at-fault accident | $1,005 | $1,460 | $2,545 | $212 |
| 30s, DUI on record | $1,285 | $1,860 | $3,245 | $270 |
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. | $695 | $58 | $570–$820 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,005 | $84 | $825–$1,185 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,755 | $146 | $1,440–$2,070 |
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 | $105 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $125 | You're among the 22.8% of Peoria workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $410 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $750 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $385 | 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 160 offices listed below.
- Check complaint records with the Arizona Department of Insurance and Financial Institutions (complaint information) before you buy.
- Mention your ZIP code accurately — within Peoria, our estimates differ by up to $385 a year between neighborhoods.
Car insurance agents near Peoria, AZ
We found 160 insurance offices within about 10 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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Sylvia Ruiz - American Family Insurance
8390 W Cactus Rd, Ste 104, Peoria, AZ 85381 -
Bryce Tennyson - Farmers Insurance
12370 N 83rd Ave, Peoria, AZ 85381 -
Hong Thanh Trinh - Farmers Insurance
7549 W Cactus Rd, Peoria, AZ 85381 -
Farmers Insurance
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Farmers Insurance
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Farmers Insurance
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Lara Yalda - Allstate
7440 W Cactus Rd, Ste A8, Peoria, AZ 85381 -
State Farm
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GenShield Commercial Insurance Group
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Timothy Ryan Waterhouse - Farmers Insurance
9720 W Peoria Ave, Peoria, AZ 85345 -
Absolute Insurance Solutions
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The Plemons Group
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John Whitley - Farmers Insurance
6666 W Peoria Ave, Glendale, AZ 85302 -
Freeway Insurance
6750 W Olive Ave, Peoria, AZ 85345 -
State Farm
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State Farm
9240 West Northern Avenue, #102, Peoria, AZ 85305 -
Integra Insurance Group
13350 North 94th Drive, #C103, Peoria, AZ 85381 -
Farmers Insurance
13760 North 93rd Avenue, #102, Peoria, AZ 85381 -
Trudgeon Insurance Agency, LLC
9401 W Thunderbird Rd, Ste 110, Peoria, AZ 85381 -
Fisher Value Rite Insurance
9003 North 99th Avenue, Peoria, AZ 85345 -
Eric Sampson American Family Insurance
9028 North 103rd Avenue, Sun City, AZ 85351 -
William James Bonamo - Farmers Insurance
12630 N 103rd Ave, Sun City, AZ 85351 -
David Dorman - State Farm
10630 N 59th Ave, Ste 102, Glendale, AZ 85304 -
Gabreal Paola - Farmers Insurance
13203 N 103rd Ave, Sun City, AZ 85351 -
Eldon Kizer - Allstate
7448 W Glendale Ave, Ste C129, Glendale, AZ 85303 -
Zachary Timberlin Agency
7557 w greenway rd, #105, Peoria, AZ 85381 -
Eveny Erives - Farmers Insurance
5814 W Olive Ave, Glendale, AZ 85302 -
Farmers Insurance
10651 West Olive Avenue, #103, Peoria, AZ 85345 -
Karent P Arellano - Farmers Insurance
6744 W Glendale Ave, #175, Glendale, AZ 85303 -
Ken Grossman - State Farm
6751 N Sunset Blvd, Ste E200, Glendale, AZ 85305 -
Sharon Dittmann - State Farm
16165 N. 83rd Ave Ste 200 Office, #237, Peoria, AZ 85382 -
Reuben Gonzales - State Farm
15410 N 67th Avenue, Suite 7, Glendale, AZ 85306 -
Farmers Insurance - Hal Bliss
15410 North 67th Avenue, #10, Glendale, AZ 85306 -
Adam Gregory Fratini - Farmers Insurance
7800 N 55th Ave, Glendale, AZ 85301 -
Liberty Agency, LLC.
8660 W Bell Rd, Peoria, AZ 85382 -
Ideal Insurance Agency
7121 West Bell Road, #20-L, Glendale, AZ 85308 -
Tyler Ryan Bergstrom - Farmers Insurance
7075 W Bell Rd, Glendale, AZ 85308 -
Monica Valencia - American Family Insurance
7055 W Bell Rd, Ste 9, Glendale, AZ 85308 -
Olson Insurance Agency
17235 North 75th Avenue, Glendale, AZ 85308 -
Josue Cruz State Farm
7101 North 56th Avenue, Glendale, AZ 85301
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 | $1,330 | −24% |
| Subaru Outback | Wagon | $1,315 | −25% |
| Tesla Model 3 | Midsize car | $1,820 | +4% |
| Subaru Forester | Small SUV | $1,285 | −27% |
| Honda Civic | Compact car | $2,000 | +14% |
| Toyota Corolla | Compact car | $1,880 | +7% |
| Jeep Wrangler | Midsize SUV | $1,505 | −14% |
| Mazda CX-5 | Small SUV | $1,485 | −15% |
| MINI Cooper | Subcompact car | $1,335 | −24% |
| Tesla Model Y | Midsize SUV | $1,640 | −7% |
More car insurance topics in Peoria
Car insurance in nearby Arizona cities
- Glendale $1,870/yr · 4 mi
- Phoenix $1,815/yr · 8 mi
- Goodyear $1,720/yr · 12 mi
- Surprise $1,815/yr · 14 mi
- Scottsdale $1,670/yr · 19 mi
- Tempe $1,775/yr · 22 mi
- Buckeye $1,700/yr · 25 mi
- Chandler $1,815/yr · 30 mi
- Mesa $1,815/yr · 32 mi
- Gilbert $1,850/yr · 34 mi
- Flagstaff $1,550/yr · 116 mi
- Tucson $1,710/yr · 127 mi
All Arizona cities and state rules · Homeowners insurance in Peoria
Frequently asked questions
How much is car insurance in Peoria, AZ?
We estimate full coverage in Peoria at about $1,755 a year ($146 a month) for a driver in their 30s with a clean record, and about $695 for Arizona's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Peoria more expensive than the Arizona average?
Our Peoria estimate is 5% higher than the statewide figure. The model reflects a population density of 1,131 people per square mile (the typical Arizona resident lives at about 741) and an average commute of 28.2 minutes versus 25.4 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 Arizona law: at least 25/50/15 liability coverage.
Which ZIP code in Peoria has the cheapest car insurance?
Among Peoria's 5 ZIP codes, 85324 has the lowest estimate (about $1,490 a year for full coverage) and 85345 the highest (about $1,875), 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 $4,825 a year in Peoria by our estimate ($1,905 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 Maricopa County for hail (very high) and inland (river) flooding (very 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 160 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.
- Arizona Revised Statutes 28-4009 (liability policy limits)
- Arizona Revised Statutes 20-259.01 (UM/UIM offer)
- Arizona DIFI: Automobile insurance minimum coverage
- ADOT MVD: How long am I required to have an SR22?
- Arizona DIFI: 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