Cheapest Car Insurance in Surprise, AZ (2025)

Surprise drivers pay an average of $888 per year for minimum coverage and $1,776 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: Travelers has Surprise's cheapest minimum coverage at $608 per year ($51 monthly). That's 31% lower than the city average of $888, saving you $280 annually. State Farm ranks second for minimum coverage at $616 per year ($51 monthly), a 30% savings compared to the city average.
• Cheapest full coverage: Travelers offers the lowest full coverage at $1,129 annually ($94 monthly), 36% below the city average of $1,776. That's $647 in annual savings. Auto-Owners' full coverage costs $1,322 per year ($110 monthly), still 25% below the city average but $193 more than Travelers annually.

Car insurance costs vary by age in Surprise, with younger drivers facing the highest rates. Here's how the most affordable options break down by age group:

• Adults: Travelers and State Farm lead with the lowest monthly premiums
• Seniors: State Farm and Travelers offer the best value for older drivers
• Young drivers: Travelers and State Farm remain the top budget-friendly choices despite higher overall costs

Young drivers can reduce their premiums through Travelers' IntelliDrive program, which monitors driving habits for 90 days and potentially offers up to 20% savings. State Farm helps senior drivers save through defensive driving course discounts and low-mileage programs for those who drive less frequently.

If you recently had a violation, now is the best time to shop for lower rates. Here are your cheapest car insurance options in Surprise by violation type:

• Accident: State Farm at $59 and Travelers at $65 monthly
• Ticket: State Farm at $54 and Auto-Owners at $55 monthly
• DUI: State Farm at $54 and Travelers at $71 monthly

In Arizona, minor traffic violations remain on your record for 39 months, with rates decreasing after this period.

Insurance costs fluctuate across different areas of Surprise depending on your ZIP code. Residents in 85374 pay the least at $141 monthly for full coverage, whereas those in 85387 have the highest rates at $167 monthly.

Travelers scores 95 out of 100 on MoneyGeek's rating scale, making it the top car insurance company in Surprise. Auto-Owners follows closely with 94 out of 100, securing second place. Travelers ranks first for affordability and second for customer experience. 

We evaluated factors like agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

Travelers excels in affordability and offers comprehensive coverage options and add-ons. Auto-Owners leads in customer experience, delivering superior claims handling and policyholder support. 

See below for why each insurer is best and which fits your needs.

Surprise drivers have high car insurance costs compared to other Arizona cities. Shop around, secure better rates and select appropriate coverage:

Our insurance experts provide answers to common questions about affordable coverage in Arizona:

We analyzed hundreds of thousands of quotes from major insurers using data from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services. Our research covered all Surprise ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation.  

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Arizona's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hailstorm damage claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Surprise risks like hail damage, uninsured motorists and accidents from heavy interstate traffic.