Car Insurance in Surprise

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.

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.

Prices change by age in Surprise. 

• 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 a month
• Senior Drivers (65+): State Farm leads with rates from $67 per month

Travelers and State Farm offer the best rates for young drivers in Surprise with average monthly premiums starting at $109 and $121, respectively.

In Surprise, Travelers provides the lowest rates for adult drivers (26 to 64). It saves drivers 36% on average. State Farm and GEICO are also top providers for this age group.

For seniors in Surprise, State Farm offers the lowest minimum coverage rates at $67 per month ($800 annually). Travelers offers the most affordable full coverage at $133 per month ($ 1,596 per year).

The cheapest car insurance providers for high-risk drivers:

• Cheapest for Bad Credit: GEICO (from $99 a month)
• Cheapest With a DUI: State Farm (from $55 per month)
• Cheapest With an Accident: State Farm (from $60 monthly)
• Cheapest With a Speeding Ticket: State Farm (from $55 per month)

In Surprise, the cheapest monthly premium for bad credit drivers is $99 for minimum coverage from GEICO and $233 for full coverage from Travelers.

State Farm allows drivers with a DUI to save up to 55% on minimum coverage compared to city averages.

State Farm has premiums starting at $60 per month. These rates are 47% below the city average.

For drivers with speeding tickets in Surprise, State Farm is the cheapest with minimum liability coverage costing about $55 per month.

Travelers, Auto-Owners, State Farm and Progressive are the best car insurance companies 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.

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.

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.

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.

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.

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.

Surprise drivers face higher insurance costs than many Arizona cities due to the area's rapid growth, increasing traffic congestion on Grand Avenue, and above-average property crime rates that push premiums up. We built this research to show you which insurers offer the lowest rates for your specific driving profile, so you can maintain required coverage without overpaying in this expanding northwest Valley community.

We collected rate data from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services, analyzing hundreds of thousands of quotes from 12 companies across every ZIP code in Surprise. This ensures our data reflects what you'll actually pay based on your neighborhood's accident frequency, theft rates, and local repair costs.

We started with a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, and no claims history. This driver logs 12,000 miles annually and maintains continuous coverage with a valid license. From there, we adjusted age, driving record, credit score, and military affiliation to show how rates shift based on your actual situation.

Arizona requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums satisfy legal requirements but leave you financially exposed after serious accidents, especially in a growing city where medical costs and vehicle values continue rising.

For full coverage comparison, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. This level provides stronger financial protection when you cause an accident or your car gets damaged, stolen, or totaled.

We evaluated insurers across three weighted categories:

Affordability (60%): Quotes for common driver profiles compared to local competition

Customer Experience (30%): Reviews from Google, J.D. Power, AM Best, and Reddit discussions about claims handling

Coverage Options (10%): Available policy features, unique offerings, and included benefits

Why this approach works: Surprise's combination of rapid development, increasing traffic volume, and property crime makes both comprehensive coverage and adequate liability limits critical considerations. Our ZIP-code-level analysis shows you which companies price your specific neighborhood's risk profile competitively while delivering reliable claims service when you need coverage to pay out.