Peoria Car Insurance

Your Guide to Buying Peoria, IL Car Insurance

Find the right car insurance policy for you.

Peoria, IL is the largest city on the Illinois River. Recently, Peoria’s population has reached 116,513 – which gives you 116,513 reasons to have proper auto insurance. That’s where an independent insurance agent can make your life easier. There are many reasons to drive around Peoria, such as a visit to the Civic Center or the Peoria Zoo. But no matter where you plan to drive, you’ll need to make sure that you’re 100% covered with Peoria, IL car insurance. This means having full coverage, which is mandatory in the state of Illinois. Contact a local independent agent in our network today to get the assistance you need.

  • National average cost per year: $1,311
  • Illinois average cost per year: $1,079
  • 39th most expensive premiums in the US

Illinois premium costs are considerably below the national average. Keep in mind that this is an estimate of your costs. Insurance agents will take a number of things into account when calculating your rates, such as your age, where you live, your car’s make, model and year, and several other factors unique to you. While Illinois has specific car insurance requirements, you may wish to consider higher limits or additional coverage to suit your needs. Ask your independent agent for more information about the Peoria car insurance coverage you need to meet state law requirements, and also to protect you, your finances, and your family members after an accident.

Peoria, Illinois Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: required
  • Minimum liability limits: 25/50/20
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $20,000 coverage for property damage.

The Illinois Secretary of State and Driver Services Department mandates minimum auto insurance coverage, although personal injury protection (PIP) and collision and comprehensive are optional. Illinois drivers face heavy fines for driving without car insurance. These fines can be anywhere from $500 to $1,000, depending on the number of offenses. Uninsured drivers are subject to suspended licenses for up to six months. An independent agent can go over your Illinois car insurance options with you.

Peoria, Illinois Uninsured Motorists:

  • National uninsured motorists: 12.6%
  • Illinois uninsured motorists: 13.3%
  • Illinois average vehicle repair cost: $2,449

The number of uninsured motorists in Illinois is slightly higher than the national average. Uninsured motorist coverage is required in Illinois. This coverage provides the extra security of knowing damages will be covered if an at-fault driver does not have liability insurance or the money to compensate you.

Number of Thefts in Peoria, Illinois:

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Illinois vehicle thefts (per 1,000 registered vehicles): 2.63

Although auto theft rates have decreased over the past few years, they are not uncommon in this city. If you have the proper Peoria car insurance, you will have peace of mind knowing you will be able to replace a stolen automobile. An independent agent can help you choose the best comprehensive insurance depending on your needs.

How to Compare Peoria Auto Insurance Quotes

Let a local independent agent help you choose an insurance plan that suits your needs. Because our agents have access to multiple companies and products, they can tailor a policy to your specific needs. Whether you have a collectible car or a vehicle suited for a big family, a local agent can assist you in your search for the proper coverage. Let our network make your life easier. 

Contact a local agent for help with your Peoria car insurance today.

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