For a 40-year-old driver with a clean record, Peoria car insurance averages about $184 a month ($2,212 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 8% below the Illinois average of $201 a month. Progressive has the lowest full-coverage average of the four major insurers we compared (Allstate, Country Financial, GEICO and Progressive), at about $109 a month.
Peoria is priced below the Illinois average, at about $184 a month for full coverage. Our benchmark driver pays about $66 a month less here than in Chicago and about $20 more than in Bloomington, about 35 miles southeast.
Our data covers seven ZIP codes with a Peoria mailing address. They range from about $173 a month in 61614 to $191 in 61605.
Cost data comes from the auto rates insurers file with state regulators, priced across all seven Peoria ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Peoria, IL?
Full coverage in Peoria averages $2,212 a year, or about $184 a month, for our benchmark driver. Liability-only coverage at 20/40/15 limits averages $787 a year ($66 a month), and 50/100/50 liability with comprehensive and collision averages $2,145 ($179 a month).
- Full coverage (100/300/100, $500 deductibles): $2,212 a year ($184 a month)
- 50/100/50 with $500 deductibles: $2,145 a year ($179 a month)
- Liability only (20/40/15): $787 a year ($66 a month)
- Peoria County: $2,213 a year ($184 a month) for full coverage
- Illinois average: $2,406 a year ($201 a month) for full coverage
- ZIP code range: $173 (61614) to $191 (61605) a month for full coverage
Cheap Car Insurance in Peoria: Companies Compared
- Lowest average in our data, full coverage: Progressive, at about $109 a month ($1,305 a year).
- Next lowest: GEICO, at about $138 a month, then Country Financial at $176.
- Lowest liability-only average among the four major insurers we compared (20/40/15): GEICO, at about $49 a month, then Country Financial at $57.
- State Farm (Nov. 2025 rates)*: about $215 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $126 a month, USAA at $141, AAA at $158, Erie at $174 and Auto-Owners at $175 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $315 a month, $2,470 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the four insurers in our Peoria rate data. Among the published 2026 statewide Illinois rate studies we reviewed, the pick for cheapest full coverage is split between Travelers and GEICO. For liability-only coverage at 20/40/15 limits, GEICO has the lowest average among these four insurers, at about $49 a month, followed by Country Financial at $57.
Full-coverage averages by insurer in Peoria
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $722 | $60 | $1,305 | $109 |
| GEICO | $588 | $49 | $1,660 | $138 |
| Country Financial | $681 | $57 | $2,107 | $176 |
| Allstate | $1,155 | $96 | $3,775 | $315 |
| State Farm (Nov. 2025 rates)* | $681 | $57 | $2,585 | $215 |
| Travelers* | $927 | $77 | $1,506 | $126 |
| USAA (military families)* | $732 | $61 | $1,696 | $141 |
| AAA* | $918 | $77 | $1,899 | $158 |
| Erie Insurance* | $511 | $43 | $2,089 | $174 |
| Auto-Owners* | $643 | $54 | $2,103 | $175 |
| Peoria average | $787 | $66 | $2,212 | $184 |
This table uses Peoria ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Peoria Car Insurance Rates by ZIP Code
Across the seven Peoria ZIP codes we price, full coverage for our driver ranges from about $173 a month in 61614 to $191 in 61605, a gap of $224 a year. North side ZIP codes such as 61614 and 61615 are the least expensive in our data, and ZIP codes closer to downtown, such as 61603 and 61605, are the most expensive.
Lowest-priced Peoria ZIP codes
Highest-priced Peoria ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Peoria’s average.
| ZIP Code: | Liability Only 20/40/15 (Yearly): | Liability Only 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 61603 | $809 | $67 | $2,285 | $190 | +3% |
| 61604 | $789 | $66 | $2,181 | $182 | -1% |
| 61605 | $802 | $67 | $2,297 | $191 | +4% |
| 61606 | $789 | $66 | $2,260 | $188 | +2% |
| 61607 | $777 | $65 | $2,256 | $188 | +2% |
| 61614 | $766 | $64 | $2,073 | $173 | -6% |
| 61615 | $776 | $65 | $2,131 | $178 | -3% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Peoria?
Raising liability limits from 50/100/50 to 100/300/100 adds about $67 a year on average in our Peoria data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Peoria?
For our benchmark driver, full coverage isn’t going up. Comparing the same insurers in the same Peoria ZIP codes, full coverage averaged $2,329 a year nine months earlier and $2,212 in rates as of Aug. 31, 2026, a 5.0% drop. Allstate’s Peoria average rose 1.5%, but Progressive’s fell 15.1%, Country Financial’s 8.4% and GEICO’s 5.7%. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/15 limits rose 0.9%, led by Progressive, which raised its liability-only average 4.5%.
What Shapes Car Insurance Costs in Peoria
Peoria County averages about $184 a month for full coverage, the 50th-most expensive of the 83 Illinois counties we price. Tazewell County, across the Illinois River, averages $181.
Nearby towns cost about the same or a little less: East Peoria averages about $183 a month, Pekin $184 and Washington $177. The Illinois Department of Insurance lists where you live among the factors insurers use, so neighboring cities can be priced differently.
How Peoria Car Insurance Compares With Other Illinois Cities
More Illinois cities and towns are in the Illinois rates by city table, and you can compare states on our car insurance rates by state page.
Bloomington, about 35 miles southeast, averages $164 a month, and Springfield, about 60 miles south, $186. Rockford averages $184 and Chicago $250.
What Car Insurance Is Required in Peoria?
Drivers in Peoria follow Illinois’ rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $20,000 per crash
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash, for injuries
Underinsured motorist coverage is required only if you buy uninsured motorist limits above the minimum, and uninsured motorist property damage coverage is optional. Our Illinois requirements guide covers the details and what happens if you can’t prove coverage.
How to Lower Your Car Insurance Rate in Peoria
- Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the four major insurers we compared in Peoria, about $109 and $138 a month.
- Quote several insurers. In our Peoria data, the lowest and highest insurer averages are about $206 a month apart for the same driver and car.
- Look at your uninsured motorist limits. Illinois requires $25,000 per person and $50,000 per crash. If you buy higher uninsured motorist limits, your policy must also include underinsured motorist coverage, which pays when the driver who injures you has too little insurance.
- Compare at every renewal. Over the past nine months, Progressive has cut its Peoria average 15.1%, Country Financial 8.4% and GEICO 5.7%, while Allstate has raised its average 1.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Illinois, then compare free home insurance quotes.
Ready to compare
How We Calculated Peoria Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 28 full-coverage premiums from four insurers across seven Peoria ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Illinois averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/15 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Illinois’ minimum has been 25/50/20 since January 2015, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Illinois rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Illinois law and the Illinois Department of Insurance. We refresh these figures when new rate data is released.
Peoria Car Insurance FAQ
For our benchmark driver, full coverage in Peoria averages about $184 a month ($2,212 a year) and liability-only coverage at 20/40/15 limits about $66 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 8% below the Illinois average of $201 a month.
Progressive has the lowest full-coverage average in our Peoria rate data, at about $109 a month, followed by GEICO at $138. For liability-only coverage at 20/40/15 limits, GEICO has the lowest average among the four major insurers we compared, at about $49 a month. The published 2026 statewide Illinois rate studies we reviewed are split between Travelers and GEICO as the cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Bloomington, for our benchmark driver. Peoria full coverage averages about $184 a month and Bloomington about $164, a difference of about $20 a month for the same driver and car.
In our data, 61614 has the lowest full-coverage average in Peoria, at about $173 a month, and 61605 the highest, at about $191. The ZIP code table on this page lists all seven.
In our Peoria data, full coverage (100/300/100 with $500 deductibles) averages about $184 a month and liability-only coverage at 20/40/15 limits about $66, a difference of about $118 a month ($1,425 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Illinois law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the same insurers and ZIP codes, Peoria full coverage fell 5.0% over the past nine months, from about $2,329 to $2,212 a year. Progressive cut its Peoria average 15.1%, Country Financial 8.4% and GEICO 5.7%, while Allstate raised its average 1.5%. Liability-only coverage at 20/40/15 limits rose 0.9%.
For our benchmark driver, full coverage in Peoria averages about $184 a month. Nearby, Bloomington averages about $164, Springfield about $186 and Decatur about $183. Bloomington and Decatur are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
