Best Cheap Auto Insurance in Surprise, AZ (2021)

The average Surprise, AZ auto insurance rates are $337 per month. The minimum auto insurance in Surprise is at least 15/30/10 in coverage to comply with Arizona auto insurance laws. To find the best cheap auto insurance in Surprise, Arizona, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Surprise for teen drivers is Farmers
  • The cheapest auto insurance company in Surprise is GEICO
  • Average auto insurance rates in Surprise, AZ for senior drivers are $2,325 per year

Surprise, Arizona auto insurance requirements are 15/30/10 according to Arizona auto insurance laws. Finding cheap auto insurance in Surprise can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Surprise, Arizona, including driving record, credit, commute time, and more.

Compare auto insurance in Surprise to other Arizona cities, including Glendale auto insurance rates, Mesa auto insurance rates, and Gilbert auto insurance rates to see how Surprise, Arizona auto insurance rates stack up.

Before you buy Surprise, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Surprise, Arizona auto insurance quotes.

Minimum Auto Insurance in Surprise, Arizona

Surprise, Arizona auto insurance laws require that you have at least the Arizona minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Surprise, Arizona.

Minimum Required Auto Insurance Coverage in Surprise, Arizona

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $10,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Surprise, Arizona Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Surprise, Arizona are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Surprise, Arizona

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,738 $3,738 $3,639 $3,639 $8,203 $10,630 $4,188 $4,558
American Family $2,991 $2,991 $2,746 $2,746 $7,917 $10,348 $2,991 $3,503
Farmers $2,931 $2,925 $2,608 $2,796 $12,741 $13,162 $3,292 $3,371
GEICO $1,609 $1,792 $1,367 $1,747 $4,622 $4,855 $1,466 $1,435
Nationwide $2,543 $2,588 $2,271 $2,407 $6,341 $8,128 $2,941 $3,181
Progressive $2,095 $1,829 $1,884 $1,789 $8,682 $9,674 $2,251 $2,228
State Farm $2,969 $2,969 $2,631 $2,631 $9,277 $11,665 $3,194 $4,033
Travelers $2,024 $2,129 $1,892 $2,010 $5,996 $7,584 $2,139 $2,247
USAA $1,622 $1,632 $1,508 $1,536 $5,925 $6,848 $2,135 $2,308

Cheap Surprise, Arizona Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Surprise, Arizona is a challenge. Take a look at the annual teen auto insurance rates in Surprise, Arizona.

Annual Auto Insurance Rates for Teen Drivers in Surprise, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,203 $10,630
American Family $7,917 $10,348
Farmers $12,741 $13,162
GEICO $4,622 $4,855
Nationwide $6,341 $8,128
Progressive $8,682 $9,674
State Farm $9,277 $11,665
Travelers $5,996 $7,584
USAA $5,925 $6,848

Cheap Surprise, Arizona Auto Insurance for Seniors

What are senior auto insurance rates in Surprise, Arizona? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Surprise, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,639 $3,639
American Family $2,746 $2,746
Farmers $2,608 $2,796
GEICO $1,367 $1,747
Nationwide $2,271 $2,407
Progressive $1,884 $1,789
State Farm $2,631 $2,631
Travelers $1,892 $2,010
USAA $1,508 $1,536

Cheap Surprise, Arizona Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Surprise, Arizona compared to the annual auto insurance rates with a clean record in Surprise, Arizona.

Annual Surprise, Arizona Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,219 $5,369 $6,096 $5,483
American Family $3,216 $4,959 $6,205 $3,736
Farmers $4,627 $5,980 $5,839 $5,467
GEICO $1,825 $2,478 $3,319 $1,825
Nationwide $3,211 $3,377 $5,017 $3,596
Progressive $3,354 $4,427 $3,539 $3,897
State Farm $4,472 $5,369 $4,921 $4,921
Travelers $2,601 $3,385 $3,788 $3,236
USAA $2,143 $3,056 $4,037 $2,521

Cheap Surprise, Arizona Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Surprise, Arizona is not easy. Compare the annual rates for DUI auto insurance in Surprise, Arizona to find the best deal.

Annual Auto Insurance Rates After a DUI in Surprise, Arizona

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,096
American Family $6,205
Farmers $5,839
GEICO $3,319
Nationwide $5,017
Progressive $3,539
State Farm $4,921
Travelers $3,788
USAA $4,037

Cheap Surprise, Arizona Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Surprise, Arizona annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Surprise, Arizona

Insurance Company Poor Fair Good
Allstate $6,774 $4,818 $4,282
American Family $5,692 $4,241 $3,654
Farmers $6,252 $5,220 $4,963
GEICO $3,246 $2,128 $1,710
Nationwide $4,574 $3,640 $3,186
Progressive $4,239 $3,707 $3,465
State Farm $9,057 $3,508 $2,198
Travelers $3,959 $3,226 $2,573
USAA $3,885 $2,697 $2,237

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Surprise, Arizona Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Surprise, Arizona can vary. Compare the annual cost of auto insurance by ZIP code in Surprise, Arizona to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Surprise, Arizona

ZIP Code Average Annual Rates
85374 $4,017
85375 $3,678
85378 $4,111
85379 $4,108
85387 $3,812
85388 $4,055

Cheap Surprise, Arizona Auto Insurance Rates By Commute

Commute length and annual mileage affect Surprise, Arizona auto insurance. Find the cheapest annual Surprise, Arizona auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Surprise, Arizona

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,292 $5,292
American Family $4,486 $4,572
Farmers $5,478 $5,478
GEICO $2,322 $2,401
Nationwide $3,800 $3,800
Progressive $3,804 $3,804
State Farm $4,794 $5,047
Travelers $3,253 $3,253
USAA $2,907 $2,971

Cheap Surprise, Arizona Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Surprise, Arizona? Check out the comparison of annual Surprise, Arizona auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Surprise, Arizona

Insurance Company Low Medium High
Allstate $4,973 $5,321 $5,581
American Family $4,356 $4,673 $4,558
Farmers $4,574 $5,540 $6,321
GEICO $1,971 $2,399 $2,715
Nationwide $3,624 $3,844 $3,932
Progressive $3,322 $3,880 $4,210
State Farm $4,398 $5,018 $5,346
Travelers $2,872 $3,309 $3,577
USAA $2,730 $2,975 $3,113

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Surprise, Arizona

Compare the cheapest auto insurance companies in Surprise, Arizona in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Surprise, Arizona

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

The Cheapest Surprise, Arizona Auto Insurance Companies

What auto insurance companies in Surprise, Arizona are the cheapest? Compare the top Surprise, Arizona auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Surprise, Arizona

Insurance Company Average Annual Rates
Allstate $5,292
American Family $4,529
Farmers $5,478
GEICO $2,362
Nationwide $3,800
Progressive $3,804
State Farm $4,921
Travelers $3,253
USAA $2,939

What affects auto insurance rates in Surprise, Arizona?

There are a lot of reasons why auto insurance rates in Surprise, Arizona are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Surprise, Arizona. Many local factors may affect your Surprise auto insurance rates.

Surprise Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Surprise, Arizona auto theft statistics, there have been 192 auto thefts in the city.

Surprise Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Surprise, Arizona commute length is 30.4 minutes according to City-Data.

Surprise Traffic

How does Surprise, Arizona rank for traffic? According to Inrix Surprise, Arizona is the 899th most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Surprise, Arizona Auto Insurance Quotes

Before you buy Surprise, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Surprise, Arizona auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption