Cheapest and Best Car Insurance in Surprise, AZ (July 2024)

Finding the most affordable insurance in Surprise hinges on your coverage and driver profile. For full coverage, Root Insurance Company comes out on top, and Auto-Owners is cheapest for minimum coverage.

Families with teens find Travelers most cost-effective. The best in customer service is Auto-Owners, and it is also the best overall. Ultimately, the right choice varies with individual needs and preferences.

Auto-Owners is the cheapest option in Surprise for minimum coverage car insurance. Finding the cheapest car insurance can lead to significant savings. Here are the two most affordable providers:

• Auto-Owners: $404 per year
• Mercury: $423 per year

The most expensive minimum coverage policy in Surprise is offered by The General, with an annual premium of $1,585. That's $1,181 more than the cheapest option, highlighting the importance of comparing car insurance rates to ensure you're not overpaying.

State Minimum Liability Requirements

e policy that expands your liability coverage significantly, ensuring robust protection. Our enhanced policy raises In Arizona, minimum required car insurance coverage for cities, including Surprise, is mandated by state law. Here's the breakdown:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $15,000 property damage liability per accident
  

Let's say you're insured with the bare minimum and get into an accident. Your policy will cover up to $25,000 for each person injured, with a cap at $50,000 per accident. But what if the injuries add up to more than that? You'd have to dig into your own pockets to make up the difference. It's just the lay of the land, and it pays to be prepared.

In Surprise, Root Insurance Company offers the cheapest full coverage car insurance.

• Root Insurance Company: $693 per year
• Auto-Owners: $878 per year

The General has the most expensive full coverage policy in Surprise, with annual rates of $3,038. This is a $2,345 difference compared with Root, illustrating why it's valuable to compare rates. Full coverage policies are pricier than minimum coverage policies because they provide more protection.

Do You Need Full Coverage in Arizona?

A full coverage policy in Surprise includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Root Insurance Company is the cheapest option in Surprise for drivers with a poor driving record looking for a full coverage policy. Specifically, rates vary after different types of incidents:

• Speeding ticket: **Root Insurance Company **($848 per year)
• At-fault accident: Root Insurance Company ($864 per year)
• DUI: Root Insurance Company ($766 per year)

Conversely, The General tends to have the most expensive rates for these offenses, with annual premiums reaching $4,661 after an at-fault accident, $4,290 after a DUI, and $3,950 after a speeding ticket.

This comparison highlights the significant difference in annual rates after a speeding ticket and after a DUI — in this case, a decrease of $82, a reflection of how incident severity influences car insurance costs.

In the city of Surprise, as in others, insurance premiums invariably increase in correlation to the severity of your driving offenses. For instance, drivers with a speeding ticket may face an average annual insurance cost of $3,187, while those with a DUI could see their rates soar to an average of $4,066. Given these significant rate differences, drivers with offenses should diligently compare insurance options to potentially reduce their financial burden.

In Surprise, Travelers offers the cheapest full coverage car insurance for teens. Here are the two most affordable providers:

• Travelers: $1,613 per year for female teens and $1,926 per year for male teens
• State Farm: $2,042 per year for female teens and $2,582 per year for male teens

These rates represent a family policy that includes two parents and a teen driver. Allstate has the highest teen family policy, with $3,720 for female teens and a $5,158 for male teens. The difference in annual rates between the cheapest (Travelers) and the most expensive (Allstate) for a girl is $2,107. This emphasizes the importance of comparing quotes, especially for high-risk drivers like teenagers.

In Surprise and other cities across the United States, the disparity between teen car insurance premiums for individual policies and family plans is considerable. For a policy on their own, a teen driver could expect to pay an average annual premium of $5,771. Being added to a family plan would drastically reduce the premium to an average of $2,821.

Insurers view teenagers as high-risk drivers, which escalates the individual rates. Additionally, the financial independence required for a teen to secure an individual policy is often unattainable, making approval less likely. Therefore, a family plan is not only more cost-effective but also a more viable option for insuring teen drivers.

Root Insurance Company is the cheapest full coverage car insurance option in Surprise for those with a military background.

• Root Insurance Company: $693 per year
• Auto-Owners: $878 per year

While USAA does not top the list in this instance, ranking fifth with an annual premium of $1,106, it is still a competitive option. USAA's tailored services to active duty military members often make it a worthwhile consideration for those affiliated with the military seeking both value and focused customer care.

In Surprise, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Finding the right auto insurance hinges on how much you prioritize various aspects like service, cost and coverage. MoneyGeek's research, using specific scoring systems for each category, spotlights the leading car insurance providers in Surprise for distinct preferences:

• Best overall: Auto-Owners (MoneyGeek score 88 out of 100)
• Best for service: Auto-Owners (MoneyGeek score 86 out of 100)
• Best cheap: Auto-Owners (MoneyGeek score 92 out of 100)

Auto-Owners takes the crown in all three categories. It stands as the optimal choice in the city for overall value, service and cost-effectiveness.

Auto-Owners is the top contender for the best car insurance in Surprise. In a thorough comparison, these two providers stood out:

• Auto-Owners: MoneyGeek score of 88 out of 100 ($878 per year)
• State Farm: MoneyGeek score of 81 out of 100 ($1,011 per year)

Auto-Owners distinguishes itself primarily through its remarkable balance between affordability and customer satisfaction. Its leading MoneyGeek score reflects a formidable combination of these aspects, particularly for a full coverage policy. The emphasis on these areas confirms that the insurer provides substantial value to its customers in Surprise.

Auto-Owners is the top provider of car insurance for customer service in Surprise due to its exemplary general satisfaction, proficient claims handling and comprehensive coverages, irrespective of rates.

• Auto-Owners: MoneyGeek score of 86 out of 100 ($878 per year)
• Mercury: MoneyGeek score of 79 out of 100 ($1,522 per year)

Auto-Owners sets itself apart with high marks in customer satisfaction and claims handling. Its commitment to quality service and efficient claims resolution establishes it as the leader in the car insurance market of Surprise.

Auto-Owners is the best option in Surprise for motorists seeking affordable yet comprehensive car insurance. With a focus on keeping premiums low, this company does not compromise on the quality of its claims handling or customer satisfaction.

• Auto-Owners: MoneyGeek score of 92 out of 100 ($404 per year)
• Mercury: MoneyGeek score of 86 out of 100 ($423 per year)

Auto-Owners stands out primarily due to its excellent balance of a high affordability score and strong claims handling. Its MoneyGeek score reflects the company's commitment to providing minimum coverage policies that exceed expectations in terms of cost-effectiveness and service quality.

In Surprise, Arizona, the average car insurance cost is $1,404. This figure not only falls below the average car insurance cost in Arizona of $1,511, but it also showcases a significant saving when compared with the national average cost of car insurance at $1,781.

Car insurance premiums vary greatly and are influenced by a multitude of factors, with location playing a pivotal role. The placement of a city in terms of traffic, crime rates and weather patterns can heavily sway insurance costs. For example, Tucson, Arizona, is the city with the cheapest premium at $1,087, which is significantly less than Phoenix, the most expensive city at $1,360.

This difference indicates how local factors in city areas can affect rates, whereas non-city regions with lower traffic density might see even lower rates, underscoring the importance of location.