Travelers offers the lowest car insurance rates in Surprise, with average annual premiums of $608 for minimum coverage and $1,129 for full coverage. Other affordable insurers in the city include State Farm, Auto-Owners and GEICO.
Car Insurance in Surprise
Updated: August 10, 2025
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Key Takeaways
Surprise's cheapest car insurance companies are Travelers, Auto-Owners and State Farm, with savings up to 39% compared to the city average.
Monthly car insurance costs in Surprise average $148 for full coverage and $74 for minimum coverage.
To find the best cheap auto insurance in Surprise, compare quotes from multiple sources and choose coverage that fits your needs.
Who Has the Cheapest Car Insurance in Surprise?
| Travelers | $51 | $94 | -39% |
| State Farm | $51 | $111 | -31% |
| Auto-Owners | $55 | $110 | -30% |
| GEICO | $59 | $126 | -22% |
| Progressive | $83 | $137 | -6% |
Compare the Cheapest Surprise Car Insurance for You
Your car insurance rates depend heavily on your driving record and personal details, which is why we analyzed costs across different driver profiles. Check the table below to find which company offers the lowest rates for your specific situation.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $127 | $1,526 | -44% |
| Travelers | $128 | $1,536 | -44% |
| Auto-Owners | $154 | $1,851 | -32% |
| Progressive | $176 | $2,116 | -23% |
| GEICO | $218 | $2,616 | -4% |
Cheapest Car Insurance by Age Group in Surprise
Car insurance prices vary significantly by age in Surprise. Here's what you'll pay with the cheapest insurers for each age group:
- Young Drivers (16 to 25): Travelers offers the lowest rates at $109 per month
- Adult Drivers (26 to 64): Travelers provides the best rates at $51 per month
- Senior Drivers (65+): State Farm leads with rates from $67 per month
Cheapest Car Insurance for Young Drivers in Surprise
Travelers and State Farm offer the best car insurance rates for young drivers in Surprise with average monthly premiums starting at $109 and $121 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $109 | $1,311 | -43% |
| State Farm | $121 | $1,457 | -36% |
| GEICO | $126 | $1,509 | -34% |
| Auto-Owners | $132 | $1,582 | -31% |
| Allstate | $158 | $1,897 | -17% |
Cheapest Car Insurance for Adult Drivers in Surprise
In Surprise, Travelers provides the lowest rates for adult drivers (26-64), saving drivers around 36% on average. State Farm and GEICO are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $51 | $608 | -35% |
| State Farm | $51 | $616 | -35% |
| Auto-Owners | $55 | $662 | -30% |
| GEICO | $59 | $704 | -25% |
| Allstate | $78 | $930 | -1% |
Cheapest Car Insurance for Senior Drivers in Surprise
For seniors in Surprise, State Farm offers the lowest minimum coverage rates at $67 per month ($800 annually). Travelers provides the most affordable full coverage at $133 monthly ($1,602 per year).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $67 | $800 | -39% |
| Travelers | $72 | $868 | -34% |
| GEICO | $80 | $955 | -27% |
| Auto-Owners | $93 | $1,112 | -15% |
| Progressive | $109 | $1,313 | 0% |
Cheapest Car Insurance for High-Risk Drivers in Surprise
If you have a high-risk profile, these are the cheapest car insurance providers in Surprise based on your situation:
- Cheapest for Bad Credit: GEICO (from $99 per month)
- Cheapest With a DUI: State Farm (from $55 per month)
- Cheapest With an Accident: State Farm (from $60 per month)
- Cheapest With a Speeding Ticket: State Farm (from $55 per month)
Cheapest Car Insurance for Bad Credit in Surprise
In Surprise, the cheapest monthly premium for bad credit drivers is $99 for minimum coverage from GEICO and $233 for full coverage from Travelers. These rates provide affordable options whether you need basic liability protection or want more comprehensive coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| GEICO | $99 | $1,183 | -42% |
| Safeway Insurance | $99 | $1,193 | -42% |
| Auto-Owners | $112 | $1,346 | -34% |
| Nationwide | $120 | $1,440 | -30% |
| Travelers | $123 | $1,474 | -28% |
Cheapest Car Insurance With a DUI in Surprise
State Farm offers the most affordable car insurance rates for drivers with DUIs in Surprise. Drivers can save up to 55% on minimum coverage compared to city averages.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $55 | $660 | -55% |
| Travelers | $71 | $856 | -42% |
| Progressive | $101 | $1,216 | -18% |
| Auto-Owners | $104 | $1,247 | -15% |
| GEICO | $126 | $1,509 | 2% |
Cheapest Car Insurance With an Accident in Surprise
State Farm offers the lowest car insurance rates in Surprise for drivers with an accident, with premiums starting at $60 per month. These rates are 47% below the city average, providing substantial savings for drivers with accident history.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $60 | $718 | -47% |
| Travelers | $65 | $781 | -43% |
| Auto-Owners | $79 | $954 | -30% |
| GEICO | $88 | $1,060 | -22% |
| Allstate | $120 | $1,436 | 5% |
Cheapest Car Insurance With a Speeding Ticket in Surprise
For drivers with speeding tickets in Surprise, State Farm offers the cheapest car insurance rates. Their minimum liability coverage costs about $55 per month, while full coverage with higher limits runs around $118 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $55 | $660 | -43% |
| Auto-Owners | $55 | $662 | -42% |
| Travelers | $63 | $751 | -35% |
| GEICO | $74 | $886 | -23% |
| Safeway Insurance | $98 | $1,181 | 3% |
Best Car Insurance Companies in Surprise
Travelers, Auto-Owners, State Farm and Progressive rank as the best car insurance companies in Surprise. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 96 | 1 | 2 | 4 |
| Auto-Owners | 95 | 3 | 1 | 5 |
| State Farm | 89 | 2 | 4 | 6 |
| Progressive | 87 | 5 | 3 | 2 |
| GEICO | 85 | 4 | 6 | 6 |
Travelers: Best Overall Value
pros
Strong customer service ratings
Competitive rates across driver types
Multiple coverage customization options
cons
Limited coverage add-ons
Higher rates for some high-risk drivers
COMPANY HIGHLIGHTS
Travelers ranks first in Surprise for its blend of affordable rates and quality service. Its minimum coverage costs $51 monthly, while full coverage runs $94 monthly - both well below city averages. The company scores exceptionally well in customer experience, showing strong satisfaction ratings across claims and service. Travelers offers the best rates for young drivers, adult drivers, and those with newer cars.
Auto-Owners: Best Customer Service
pros
Top-rated customer service
Strong claims satisfaction
Personalized agent support
cons
Fewer digital tools
Limited coverage area
COMPANY HIGHLIGHTS
Auto-Owners earns the second spot in Surprise with outstanding customer service scores. While its rates run slightly higher than Travelers at $55 for minimum coverage and $110 for full coverage, customers praise the personalized attention from local agents. The company particularly excels with claims handling and offers the most competitive rates for drivers with older vehicles. Its high customer satisfaction ratings show the value of its traditional, agent-focused approach.
How Much Is Car Insurance in Surprise?
In Surprise, minimum coverage costs about $74 per month or $888 per year, ranking 250th out of all Arizona cities for affordability. Full coverage averages $148 monthly or $1,775 annually, ranking 256th among Arizona cities.
| Full Coverage | $148 | $1,775 |
| Minimum Coverage | $74 | $888 |
Compare Personalized Surprise Car Insurance Costs
While average rates vary by ZIP code and coverage type, the table below shows Surprise car insurance costs based on your specific combination of age, driving record and other key factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $217 | $2,610 | 12% |
Surprise Car Insurance Costs by ZIP Code
In Surprise, car insurance rates by ZIP code range from $69 to $167 per month. ZIP code 85387 is the most expensive, while 85374 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:85387
| 85387 | $90 | $167 |
How to Get the Best Cheap Surprise Car Insurance
With car insurance rates in Surprise running higher than the state average, finding affordable coverage can feel overwhelming. Our step-by-step guide will show you proven ways to lower your rates while getting the right protection for your needs.
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Calculate your exact coverage needs
Start by determining how much coverage you actually need for your situation in Surprise. Consider your car's value, your savings, and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability.
- 2
Explore different insurance types
Look into various types of car insurance that could save you money. If you drive less than average, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be your best bet.
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Know what others pay
Research average vehicle insurance costs in Surprise to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Compare rates across different insurance providers to ensure you're getting competitive pricing.
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Stack up available discounts
Take advantage of every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, military discounts, and good student discounts if applicable.
- 5
Check company ratings and reviews
Research insurance companies' financial strength and customer service ratings. Look for reviews from other Surprise residents about their claims experience. Make sure the company you choose has a local presence and understands Arizona insurance requirements.
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Get quotes from multiple providers
Contact at least three different insurance providers for quotes. Use a mix of local agents, online tools, and direct carrier websites. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
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Review your policy yearly
Set a reminder to review your car insurance policy annually. Your rates might change based on your driving record, credit score, or insurance company's pricing. Shopping around each year ensures you continue getting the best rates in Surprise.
Cheapest Car Insurance in Surprise: Bottom Line
Car insurance rates in Surprise depend on your driving record, credit score and coverage needs. While Travelers and State Farm offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Surprise Car Insurance: FAQ
Looking for cheap car insurance in Surprise? Our FAQ section provides straightforward answers about finding affordable coverage that fits your budget and needs. We'll help you understand your options and potential savings without sacrificing important protection.
What is the cheapest car insurance company in Surprise, Arizona?
Travelers offers the lowest rates in Surprise, with average annual premiums of $608 for minimum coverage and $1,129 for full coverage. Individual rates vary based on personal factors, so compare quotes.
Who offers the best car insurance in Surprise?
Travelers leads Surprise's car insurance providers with a MoneyGeek score of 96 out of 100, scoring one point above Auto-Owners. Travelers excels in both affordable rates and quality service.
What is the average cost of car insurance in Surprise?
In Surprise, drivers pay $1,775 per year for full coverage and $888 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Is car insurance in Surprise expensive?
Car insurance in Surprise costs more than average, ranking 250th for minimum coverage affordability and 256th for full coverage compared to other Arizona cities.
How We Chose the Best and Cheapest Car Insurance in Surprise, AZ
To help Surprise drivers find the most affordable auto insurance companies, MoneyGeek analyzed Surprise auto insurance rates based on data and information from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services. We studied all ZIP codes in Surprise and hundreds of thousands of quotes for 12 companies offering auto insurance in Arizona to tailor options as closely as possible to you.
Surprise Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Surprise with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Surprise
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Arizona are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Surprise based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.