Auto Insurance Quotes in Peoria AZ - [Mom Prepared] (2025)

Auto insurance is a necessary expense for any family, especially for those raising children of various driving ages in Peoria, AZ. As a husband and wife with three teenagers who have recently obtained their driver’s licenses, my wife and I understand the importance of having comprehensive coverage for our vehicles. With four cars in our household, each serving a different purpose, it is crucial for us to have the right insurance policies in place to protect our family in case of any unforeseen accidents or incidents on the road.

Our family consists of myself, my wife, and our three teenage children, all of whom have their own cars. We have a 2015 Honda Civic for our oldest daughter, a 2017 Toyota Camry for our second daughter, a 2019 Ford F-150 for our son, and a 2014 Chevrolet Tahoe for myself and my wife to share. Each vehicle serves a different purpose, whether it be for commuting to school and work, running errands, or family road trips.

For each of our vehicles, we have different types of coverage to ensure that we are protected in various scenarios. Our oldest daughter’s Honda Civic has full coverage with a $500 deductible, costing us around $150 per month. Our second daughter’s Toyota Camry also has full coverage with a $500 deductible, costing us around $160 per month. Our son’s Ford F-150 has liability coverage only, costing us around $80 per month. Lastly, our Chevrolet Tahoe has full coverage with a $1000 deductible, costing us around $200 per month.

Over the years, some of our family members have experienced driving infractions that have resulted in increased auto insurance rates. Our oldest daughter received a speeding ticket last year, which caused her insurance premium to increase by $50 per month. Our son was involved in a minor fender bender, resulting in a $75 per month increase in his insurance premium. Additionally, my wife was cited for running a red light, leading to a $100 per month increase in our insurance premium for the Chevrolet Tahoe.

As residents of Peoria, AZ, we have encountered several common questions about auto insurance in our specific locale. Here are 12 of the most frequently asked questions, along with their answers:

1. What is the minimum auto insurance coverage required in Peoria, AZ?

In Peoria, AZ, the minimum auto insurance coverage required is liability insurance, which includes bodily injury and property damage coverage.

2. How much does auto insurance typically cost in Peoria, AZ?

The cost of auto insurance in Peoria, AZ can vary depending on several factors, including the driver’s age, driving record, and the type of coverage chosen. On average, residents of Peoria, AZ can expect to pay around $100 to $200 per month for auto insurance.

3. Are there any discounts available for auto insurance in Peoria, AZ?

Yes, many insurance companies offer discounts for various reasons, such as bundling policies, having a good driving record, or completing a defensive driving course. It is recommended to inquire with your insurance provider about available discounts.

4. What factors can affect auto insurance rates in Peoria, AZ?

Several factors can affect auto insurance rates in Peoria, AZ, including the driver’s age, driving record, credit score, and the type of vehicle being insured. Additionally, the area where the driver lives can also impact insurance rates.

5. Can I add my teenage driver to my auto insurance policy in Peoria, AZ?

Yes, you can add your teenage driver to your auto insurance policy in Peoria, AZ. However, be prepared for an increase in your insurance premium, as teenage drivers are considered high-risk drivers by insurance companies.

6. What is the difference between full coverage and liability coverage in Peoria, AZ?

Full coverage insurance typically includes liability, collision, and comprehensive coverage, providing protection for your vehicle in case of accidents, theft, or damage. On the other hand, liability coverage only covers damages to other parties in case of an accident.

7. Are there any specific auto insurance requirements for teen drivers in Peoria, AZ?

Teen drivers in Peoria, AZ are required to have liability insurance coverage, just like any other driver. Additionally, they may be subject to higher insurance rates due to their lack of driving experience.

8. How can I lower my auto insurance rates in Peoria, AZ?

To lower your auto insurance rates in Peoria, AZ, consider driving safely, maintaining a good credit score, and shopping around for the best insurance rates. Additionally, ask your insurance provider about available discounts that you may qualify for.

9. Can I choose my own auto insurance deductible in Peoria, AZ?

Yes, you can choose your own auto insurance deductible in Peoria, AZ. A higher deductible typically results in lower monthly premiums, while a lower deductible may lead to higher monthly premiums.

10. Do I need uninsured motorist coverage in Peoria, AZ?

While uninsured motorist coverage is not required in Peoria, AZ, it is highly recommended to protect yourself in case of an accident with an uninsured or underinsured driver.

11. What should I do if I am involved in a car accident in Peoria, AZ?

If you are involved in a car accident in Peoria, AZ, it is important to exchange insurance information with the other party, document the scene of the accident, and report the incident to your insurance provider as soon as possible.

12. How can I find the best auto insurance policy in Peoria, AZ?

To find the best auto insurance policy in Peoria, AZ, it is recommended to compare quotes from multiple insurance providers, consider your individual needs and budget, and consult with an insurance agent for personalized advice.