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Get Cheap Car Insurance in Surprise, AZ

We monitor insurance prices, helping the average driver in Surprise save up to 38.6% on car insurance.

 

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The Cheapest Minimum Coverage in Surprise

The chart below shows the cheapest car insurance company in Surprise for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Mile Auto, and MetLife.

 
Surprise Insurer Monthly Cost
Metromile $64
State Farm $65
Mile Auto $82
MetLife $82

Savings for Every Kind of Surprise Driver

The table shows how much the average auto insurance customer in Surprise might save by following our recommendations.

Based on our extensive insurance data, we know the average Surprise driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $728 per year by choosing the right vehicle insurance company. Some Surprise residents are paying out over $1,884 extra every year for auto insurance in Surprise. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Surprise, AZ Savings / Yr.
Drivers with good records
$728
Drivers with accidents
$647
Drivers with speeding tickets
$394
Drivers with a DUI conviction
$662
Young drivers
$2,099
Married drivers
$371
Drivers with bad credit
$1,041

Surprise Car Insurance vs. Arizona

People living in Surprise pay an average of 3.86% more than the typical driver in the state. The average driver in Surprise can expect to pay about $993 per year, or $1,884 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Surprise for most people.

Car Insurance Prices by Surprise Neighborhood

Surprise, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Surprise?

The map shows insurance prices in and around Surprise, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $331 per year within the city boundaries, with insurance premiums ranging from a high of $2,030 to a low of $1,699. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Surprise.

Pick the Best Car Insurance Company for You in Surprise

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Surprise insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Surprise

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $728 over the average Surprise car insurance company.

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We use the average good driver, paying $96 per month, as our baseline for pricing in Surprise. State Farm, Safeco Insurance, and Metromile are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Surprise drivers with accidents on their records

In Surprise getting into an accident will raise premiums an average 28% for a yearly cost of $2,633. That's $749 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Nationwide are good choices for drivers with accidents.

In our analysis, Nationwide saved the average person who had been in an accident the most, with annual savings averaging $647 over the competition.

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The best car insurance company for Surprise drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $394 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Surprise, tickets raise premiums on new quotes about $379. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $2,263 per year.

The best auto insurance for Surprise drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,903 per year in auto insurance premiums, which was $1,019 more than a driver with no major issues. State Farm, Progressive, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $662 less each year.

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The least expensive car insurance company for new and young drivers in Surprise

In Surprise, Geico costs young drivers $2,099 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 70% more for insurance than more mature drivers in Surprise. With an average cost of $6,231 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and AAA try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Surprise

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $194. State Farm, Geico, and Progressive provided the largest discounts to couples living in Surprise.

State Farm gave the largest car insurance discounts to married couples, averaging $371 saved each year compared to an average Surprise couple's premiums.

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The cheapest car insurance in Surprise for drivers with bad credit

People with poor credit saved an average of $1,041 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,709 every year. Premiums for people with poor credit were about $3,593 in Surprise. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and Nationwide.

The best Surprise car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Surprise, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Surprise.

Nationwide was the best company for customer service in Surprise according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Surprise, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Surprise. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Surprise

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 25% of Surprise residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Surprise driver can expect to pay about $130 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Surprise, USAA has the best prices for married couples, drivers with speeding tickets, drivers with accidents, good drivers, drivers with bad credit, young drivers, and drivers with a DUI conviction.
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Auto Insurance Prices in and Around Surprise

What Influences the Cost of Car Insurance in Surprise?

On average, car insurance in Surprise is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Surprise is 37 minutes, which is a little more than average for a driver in the state.
  • Arizona state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Surprise are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Surprise is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Surprise is $83 per month for minimum coverage and $157 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Surprise driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Surprise with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.