Peoria, AZ
Insuring your car and home in Peoria, AZ
How Peoria households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Peoria drivers commuting alone at a rate of 66% and homeowners making up 76% of households. Here is what that means for auto and home coverage in a city of about 198,750.
How Peoria gets around
| Measure | Peoria | Arizona |
|---|---|---|
| Drive alone to work | 66% | 67% |
| Carpool | 8% | 10% |
| Work from home | 23% | 18% |
| Commute of 45 minutes or more | 20% | 14% |
| Commute under 15 minutes | 18% | 25% |
| Households with no vehicle | 4% | 5% |
| Households with 3 or more vehicles | 24% | 23% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
About 20% of Peoria commuters travel 45 minutes or more each way (Arizona: 14%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
With 23% of Peoria workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
24% of Peoria households keep three or more vehicles, and 4% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Peoria homeowners picture
Census figures put Peoria's median home value at $463,600 (Arizona: $394,500) and its median year built at 1999. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in Arizona was $1,271 for homes insured in the $450,000–$499,999 range, and $1,194 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Arizona auto minimums that apply in Peoria
Arizona requires liability limits of at least 25/50/15. Other required coverage: none beyond liability. Those are floors; with Peoria's median home value at $463,600, most homeowners choose much higher liability limits to protect their equity.
Should Peoria homeowners bundle?
A bundle can simplify life in Peoria: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Local risks for Peoria cars and homes
Plan for flash floods in washes, along with monsoon dust storms and microbursts. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
How Peoria compares in Arizona
In Phoenix, 57% own their home and 21% of households have three or more vehicles. Mesa shows 19% working from home and a median home value of $408,000. Chandler: 63% drive alone, 11% commute 45+ minutes, median home $507,800. Peoria ranks 6th for long commutes among the 25 Arizona cities we profile.
Gathering details for a Peoria auto and home quote
- Home details: size, age, construction
- When the roof was replaced
- Commute distance and typical yearly miles
- Liability limits you want
- Vehicle year, make, model, and VIN
- Accidents, tickets, and claims from the last five years
Questions from Peoria drivers and homeowners
What auto insurance is required in Peoria?
Arizona requires liability of 25/50/15; none beyond liability.
Do Peoria drivers have long commutes?
About 20% of Peoria workers commute 45 minutes or more and 18% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Peoria?
Prices depend on the home and coverage. The NAIC's 2023 Arizona HO-3 average was $1,194; see the Arizona page.
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Last updated October 15, 2026 · How we research