Cheapest and Best Car Insurance in Surprise, AZ (2023)

The cheapest auto insurer for you will vary based on your coverage needs, driving history and other factors. Auto-Owners Insurance offers the cheapest rates for full coverage policies, drivers with speeding tickets and military members. It’s also the best overall insurer and offers the best customer service. Travelers is the cheapest for teens, while Root Insurance Company offers the cheapest plans for drivers with a DUI offense or at-fault accident history.

Cheapest + BestCar InsuranceSurprise

2023

Cheapest and Best Car Insurance in Surprise, AZ

Cheapest Overall - Auto-Owners and American National

Cheapest Full Coverage - Auto-Owners and American National

Cheapest After Driving Offense - Auto-Owners and American National

Cheapest for Teens - Travelers

Cheapest for Military - Auto-Owners and American National

Best Overall - Auto-Owners and American National

Best for Customer Service - Auto-Owners and American National

Best Cheap - Auto-Owners and American National

Cheapest Minimum Liability Car Insurance in Surprise

In Surprise, the following insurers offer the cheapest minimum coverage policies:

Auto-Owners Insurance: $274 per year
Travelers: $327 per year

Meanwhile, The General has the most expensive rates for a minimum coverage policy at $1,433 per year as of October 2022. Although Auto-Owners Insurance is the cheapest insurer in Surprise, Mercury offers the cheapest car insurance in Arizona at $322 per year. This shows how location can significantly impact the cheapest insurer for you.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$267	$22
Auto-Owners Insurance Co	$274	$23
State Farm	$310	$26
Travelers	$327	$27
State Farm	$329	$27
Mercury	$333	$28
Mercury	$343	$29
Travelers	$349	$29
Travelers	$365	$30
Auto-Owners Insurance Co	$373	$31
Country Financial	$382	$32
Country Financial	$385	$32
State Farm	$401	$33
Root Insurance Company	$410	$34
Hartford	$413	$34
Root Insurance Company	$415	$35
Root Insurance Company	$439	$37
Hartford	$463	$39
Mercury	$474	$39
GEICO	$487	$41
Iowa Farm Bureau	$502	$42
GEICO	$513	$43
Progressive	$517	$43
Progressive	$518	$43
Farmers	$524	$44
Allstate	$529	$44
Country Financial	$537	$45
Iowa Farm Bureau	$542	$45
Farmers	$545	$45
Nationwide	$560	$47
GEICO	$587	$49
Nationwide	$589	$49
Auto-Owners Insurance Co	$593	$49
Progressive	$601	$50
Allstate	$607	$51
Hartford	$607	$51
Allstate	$613	$51
Auto-Owners Insurance Co	$613	$51
Farmers	$642	$54
Root Insurance Company	$655	$55
Iowa Farm Bureau	$656	$55
Root Insurance Company	$657	$55
State Farm	$658	$55
Travelers	$678	$57
Travelers	$691	$58
Root Insurance Company	$701	$58
State Farm	$719	$60
CSAA	$736	$61
Nationwide	$739	$62
Hartford	$764	$64
Travelers	$817	$68
Auto-Owners Insurance Co	$830	$69
GEICO	$841	$70
GEICO	$843	$70
Hartford	$845	$70
CSAA	$862	$72
State Farm	$909	$76
Progressive	$912	$76
Iowa Farm Bureau	$927	$77
Progressive	$954	$79
CSAA	$980	$82
Farmers	$989	$82
Allstate	$989	$82
Iowa Farm Bureau	$999	$83
Farmers	$1,026	$85
GEICO	$1,037	$86
Mercury	$1,057	$88
Allstate	$1,083	$90
Mercury	$1,112	$93
Allstate	$1,133	$94
Iowa Farm Bureau	$1,175	$98
Progressive	$1,180	$98
Hartford	$1,182	$98
Country Financial	$1,206	$100
Nationwide	$1,232	$103
Farmers	$1,234	$103
CSAA	$1,281	$107
Country Financial	$1,359	$113
Nationwide	$1,398	$117
The General	$1,433	$119
CSAA	$1,496	$125
Mercury	$1,572	$131
The General	$1,609	$134
Nationwide	$1,681	$140
CSAA	$1,697	$141
Country Financial	$1,724	$144
The General	$2,140	$178
The General	$2,876	$240
The General	$2,995	$250
The General	$4,167	$347

In Arizona, drivers are required to have bodily injury and property damage liability coverage. The state-mandated minimum liability limits are:

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

Liability-only policies pay for damages to the other party’s vehicle, not your own. A policy with the liability limits included above would cover up to $25,000 in medical expenses per injured person, up to $50,000 per accident. It would also cover property damage costs of up to $15,000. You will be responsible for any costs exceeding this amount.

Cheapest Full Coverage Car Insurance in Surprise

The following insurance providers offer the cheapest full coverage auto insurance policies in Surprise:

Auto-Owners Insurance: $613 per year
Root Insurance Company: $655 per year

The General charges the most for full coverage policies at $2,876 per year as of October 2022. Root Insurance Company is the most affordable full coverage auto insurance provider in Arizona, but it is the second cheapest in the state.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$267	$22
Auto-Owners Insurance Co	$274	$23
State Farm	$310	$26
Travelers	$327	$27
State Farm	$329	$27
Mercury	$333	$28
Mercury	$343	$29
Travelers	$349	$29
Travelers	$365	$30
Auto-Owners Insurance Co	$373	$31
Country Financial	$382	$32
Country Financial	$385	$32
State Farm	$401	$33
Root Insurance Company	$410	$34
Hartford	$413	$34
Root Insurance Company	$415	$35
Root Insurance Company	$439	$37
Hartford	$463	$39
Mercury	$474	$39
GEICO	$487	$41
Iowa Farm Bureau	$502	$42
GEICO	$513	$43
Progressive	$517	$43
Progressive	$518	$43
Farmers	$524	$44
Allstate	$529	$44
Country Financial	$537	$45
Iowa Farm Bureau	$542	$45
Farmers	$545	$45
Nationwide	$560	$47
GEICO	$587	$49
Nationwide	$589	$49
Auto-Owners Insurance Co	$593	$49
Progressive	$601	$50
Allstate	$607	$51
Hartford	$607	$51
Allstate	$613	$51
Auto-Owners Insurance Co	$613	$51
Farmers	$642	$54
Root Insurance Company	$655	$55
Iowa Farm Bureau	$656	$55
Root Insurance Company	$657	$55
State Farm	$658	$55
Travelers	$678	$57
Travelers	$691	$58
Root Insurance Company	$701	$58
State Farm	$719	$60
CSAA	$736	$61
Nationwide	$739	$62
Hartford	$764	$64
Travelers	$817	$68
Auto-Owners Insurance Co	$830	$69
GEICO	$841	$70
GEICO	$843	$70
Hartford	$845	$70
CSAA	$862	$72
State Farm	$909	$76
Progressive	$912	$76
Iowa Farm Bureau	$927	$77
Progressive	$954	$79
CSAA	$980	$82
Farmers	$989	$82
Allstate	$989	$82
Iowa Farm Bureau	$999	$83
Farmers	$1,026	$85
GEICO	$1,037	$86
Mercury	$1,057	$88
Allstate	$1,083	$90
Mercury	$1,112	$93
Allstate	$1,133	$94
Iowa Farm Bureau	$1,175	$98
Progressive	$1,180	$98
Hartford	$1,182	$98
Country Financial	$1,206	$100
Nationwide	$1,232	$103
Farmers	$1,234	$103
CSAA	$1,281	$107
Country Financial	$1,359	$113
Nationwide	$1,398	$117
The General	$1,433	$119
CSAA	$1,496	$125
Mercury	$1,572	$131
The General	$1,609	$134
Nationwide	$1,681	$140
CSAA	$1,697	$141
Country Financial	$1,724	$144
The General	$2,140	$178
The General	$2,876	$240
The General	$2,995	$250
The General	$4,167	$347

When you buy a full coverage policy, you get collision and comprehensive coverage.

Collision Insurance: Covers damages related to collisions with objects or other vehicles.
Comprehensive Insurance: Covers damages from natural disasters, theft or vandalism.

Typically, full coverage policies are best for those with new cars that want to safeguard their investment. It may not be worth the added cost for owners with older vehicles.

Cheapest Car Insurance in Surprise After a Driving Offense

The following car insurance companies offer the cheapest rates for drivers with violations:

Speeding ticket: Auto-Owners Insurance. ($613 per year)
At-fault accident: Root Insurance Company ($815 per year)
DUI: Root Insurance Company ($723 per year)

The General has the most expensive policies for these types of drivers. It charges $3,451 per year for a speeding citation, $4,072 per year for an at-fault accident and $3,748 per year for a DUI offense. A traffic violation will significantly impact the cost of your insurance. Even “cheap” rates for drivers with offenses will still be relatively more expensive than average-priced rates for drivers with a clean driving history.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$267	$22
Auto-Owners Insurance Co	$274	$23
State Farm	$354	$29
State Farm	$354	$29
Auto-Owners Insurance Co	$373	$31
State Farm	$376	$31
State Farm	$376	$31
State Farm	$390	$32
Travelers	$403	$34
State Farm	$414	$35
Auto-Owners Insurance Co	$416	$35
Travelers	$426	$35
Auto-Owners Insurance Co	$427	$36
Travelers	$429	$36
Travelers	$436	$36
Travelers	$453	$38
State Farm	$459	$38
State Farm	$459	$38
Root Insurance Company	$459	$38
Travelers	$462	$39
Travelers	$463	$39
Root Insurance Company	$464	$39
Root Insurance Company	$489	$41
Travelers	$496	$41
State Farm	$504	$42
Travelers	$506	$42
Root Insurance Company	$512	$43
Root Insurance Company	$512	$43
Root Insurance Company	$517	$43
Root Insurance Company	$519	$43
Country Financial	$522	$43
Mercury	$525	$44
Hartford	$526	$44
Country Financial	$529	$44
Root Insurance Company	$547	$46
Root Insurance Company	$550	$46
GEICO	$561	$47
Mercury	$562	$47
Progressive	$564	$47
Auto-Owners Insurance Co	$566	$47
Auto-Owners Insurance Co	$580	$48
Auto-Owners Insurance Co	$580	$48
Hartford	$584	$49
Hartford	$584	$49
GEICO	$592	$49
Auto-Owners Insurance Co	$593	$49
Progressive	$593	$49
Mercury	$609	$51
Auto-Owners Insurance Co	$613	$51
Hartford	$622	$52
Progressive	$642	$54
Iowa Farm Bureau	$643	$54
Farmers	$646	$54
Country Financial	$648	$54
Progressive	$652	$54
Country Financial	$654	$55
Country Financial	$663	$55
Hartford	$664	$55
Country Financial	$672	$56
Progressive	$676	$56
GEICO	$680	$57
Nationwide	$681	$57
Mercury	$689	$57
Mercury	$691	$58
Iowa Farm Bureau	$694	$58
Nationwide	$710	$59
Hartford	$711	$59
GEICO	$718	$60
Farmers	$719	$60
Root Insurance Company	$723	$60
Root Insurance Company	$726	$60
Mercury	$728	$61
Progressive	$732	$61
Country Financial	$737	$61
State Farm	$743	$62
State Farm	$743	$62
Farmers	$746	$62
Progressive	$756	$63
Farmers	$762	$64
Mercury	$771	$64
Root Insurance Company	$773	$64
Hartford	$778	$65
GEICO	$778	$65
Auto-Owners Insurance Co	$788	$66
Root Insurance Company	$801	$67
Root Insurance Company	$804	$67
Progressive	$807	$67
State Farm	$809	$67
State Farm	$809	$67
State Farm	$809	$67
Root Insurance Company	$815	$68
Root Insurance Company	$816	$68
Auto-Owners Insurance Co	$830	$69
Farmers	$834	$70
Iowa Farm Bureau	$840	$70
Farmers	$846	$71
GEICO	$849	$71
Progressive	$854	$71
Allstate	$856	$71
Root Insurance Company	$856	$71
Nationwide	$860	$72
Auto-Owners Insurance Co	$862	$72
Farmers	$863	$72
Iowa Farm Bureau	$868	$72
Country Financial	$873	$73
Root Insurance Company	$874	$73
State Farm	$880	$73
Auto-Owners Insurance Co	$889	$74
Hartford	$898	$75
CSAA	$899	$75
Country Financial	$922	$77
Allstate	$929	$77
Farmers	$932	$78
Iowa Farm Bureau	$936	$78
Travelers	$941	$78
Hartford	$965	$80
Mercury	$970	$81
Mercury	$973	$81
Farmers	$974	$81
Allstate	$981	$82
Travelers	$986	$82
Travelers	$988	$82
GEICO	$992	$83
Allstate	$996	$83
GEICO	$1,004	$84
Nationwide	$1,018	$85
Hartford	$1,022	$85
State Farm	$1,024	$85
State Farm	$1,024	$85
Travelers	$1,034	$86
Travelers	$1,041	$87
Travelers	$1,044	$87
CSAA	$1,058	$88
Nationwide	$1,060	$88
Allstate	$1,060	$88
Allstate	$1,067	$89
Progressive	$1,077	$90
Allstate	$1,080	$90
Progressive	$1,088	$91
Travelers	$1,089	$91
Travelers	$1,094	$91
Hartford	$1,100	$92
CSAA	$1,101	$92
GEICO	$1,104	$92
State Farm	$1,116	$93
Auto-Owners Insurance Co	$1,130	$94
Iowa Farm Bureau	$1,135	$95
GEICO	$1,146	$96
Travelers	$1,147	$96
CSAA	$1,151	$96
Hartford	$1,159	$97
Auto-Owners Insurance Co	$1,165	$97
Iowa Farm Bureau	$1,168	$97
Hartford	$1,184	$99
Iowa Farm Bureau	$1,184	$99
CSAA	$1,208	$101
Auto-Owners Insurance Co	$1,217	$101
GEICO	$1,217	$101
Allstate	$1,219	$102
GEICO	$1,227	$102
Allstate	$1,229	$102
Hartford	$1,247	$104
Iowa Farm Bureau	$1,260	$105
Progressive	$1,262	$105
GEICO	$1,275	$106
Nationwide	$1,275	$106
Iowa Farm Bureau	$1,276	$106
Hartford	$1,277	$106
Progressive	$1,284	$107
Nationwide	$1,303	$109
Farmers	$1,303	$109
CSAA	$1,312	$109
GEICO	$1,312	$109
Progressive	$1,313	$109
Farmers	$1,331	$111
Nationwide	$1,345	$112
CSAA	$1,374	$114
Farmers	$1,433	$119
Progressive	$1,474	$123
Farmers	$1,480	$123
Iowa Farm Bureau	$1,501	$125
Progressive	$1,503	$125
CSAA	$1,507	$126
Farmers	$1,511	$126
GEICO	$1,514	$126
Progressive	$1,519	$127
Nationwide	$1,521	$127
Iowa Farm Bureau	$1,526	$127
Allstate	$1,536	$128
Nationwide	$1,560	$130
Hartford	$1,564	$130
CSAA	$1,576	$131
CSAA	$1,581	$132
Country Financial	$1,595	$133
Iowa Farm Bureau	$1,600	$133
Auto-Owners Insurance Co	$1,602	$134
Farmers	$1,607	$134
Farmers	$1,639	$137
Farmers	$1,655	$138
Allstate	$1,668	$139
Nationwide	$1,688	$141
Mercury	$1,694	$141
Allstate	$1,699	$142
The General	$1,718	$143
Iowa Farm Bureau	$1,725	$144
Progressive	$1,734	$144
Allstate	$1,758	$147
Hartford	$1,776	$148
Country Financial	$1,788	$149
Mercury	$1,792	$149
Country Financial	$1,816	$151
Hartford	$1,831	$153
Farmers	$1,833	$153
Mercury	$1,839	$153
Country Financial	$1,840	$153
Allstate	$1,844	$154
CSAA	$1,847	$154
Allstate	$1,865	$155
The General	$1,872	$156
GEICO	$1,889	$157
Allstate	$1,912	$159
Country Financial	$1,950	$163
CSAA	$1,953	$163
Nationwide	$1,970	$164
The General	$1,975	$165
GEICO	$2,005	$167
Iowa Farm Bureau	$2,028	$169
GEICO	$2,037	$170
The General	$2,040	$170
Country Financial	$2,042	$170
Mercury	$2,058	$172
Allstate	$2,063	$172
CSAA	$2,065	$172
CSAA	$2,103	$175
Allstate	$2,140	$178
Iowa Farm Bureau	$2,154	$179
The General	$2,204	$184
Mercury	$2,218	$185
Nationwide	$2,274	$190
Country Financial	$2,286	$190
CSAA	$2,304	$192
Iowa Farm Bureau	$2,321	$193
Mercury	$2,366	$197
CSAA	$2,442	$203
The General	$2,458	$205
The General	$2,468	$206
Country Financial	$2,493	$208
Mercury	$2,498	$208
Nationwide	$2,514	$209
The General	$2,578	$215
CSAA	$2,633	$219
Country Financial	$2,646	$221
The General	$2,695	$225
Iowa Farm Bureau	$2,729	$227
CSAA	$2,786	$232
Nationwide	$2,920	$243
Mercury	$2,926	$244
Nationwide	$2,956	$246
Mercury	$3,148	$262
Nationwide	$3,195	$266
The General	$3,451	$288
Nationwide	$3,601	$300
The General	$3,673	$306
The General	$3,748	$312
The General	$4,072	$339
The General	$4,081	$340
The General	$4,536	$378
The General	$4,820	$402
The General	$5,039	$420
The General	$5,270	$439

Typically, insurance rates increase in proportion to the severity of the driving offense. For instance, car insurance costs an average of $354 more for a driver with a DUI offense than one with a speeding ticket. Although more difficult to find, it’s still possible to obtain affordable car insurance with a bad driving record.

Cheapest Car Insurance in Surprise for Teens and Their Families

In Surprise, 16-year-old teens on a family policy can get the cheapest rates from these insurers:

Travelers: $1,926 per year for male teens and $1,613 per year for female teens
Auto-Owners Insurance: $2,254 per year for male teens; State Farm: $2,042 per year for female teens

Allstate has the most expensive rates for male and female teens in the city, charging female teens $3,720 per year and male teens $5,158 per year. Insurance rates tend to be higher for male teens than female teens. For instance, Travelers, the cheapest insurer, charges male teens $313 more per year for car insurance. However, this cost discrepancy tends to level out in early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
Travelers	$869	$1,432
Travelers	$916	$1,478
Travelers	$966	$1,590
Travelers	$975	$1,756
Travelers	$997	$1,642
Travelers	$1,045	$1,685
Travelers	$1,069	$1,942
Travelers	$1,074	$1,897
State Farm	$1,078	$3,109
Travelers	$1,110	$1,791
Auto-Owners Insurance Co	$1,154	$2,390
State Farm	$1,193	$3,441
Travelers	$1,196	$2,123
Auto-Owners Insurance Co	$1,201	$2,597
Travelers	$1,222	$2,159
Auto-Owners Insurance Co	$1,223	$2,533
Travelers	$1,224	$2,430
State Farm	$1,227	$3,457
State Farm	$1,255	$4,177
Auto-Owners Insurance Co	$1,264	$2,734
Farmers	$1,297	$2,306
State Farm	$1,301	$3,753
Auto-Owners Insurance Co	$1,302	$3,044
Travelers	$1,315	$2,946
Auto-Owners Insurance Co	$1,320	$3,111
Auto-Owners Insurance Co	$1,335	$2,887
Farmers	$1,341	$2,455
Auto-Owners Insurance Co	$1,342	$3,372
State Farm	$1,351	$4,530
Travelers	$1,368	$2,427
Travelers	$1,375	$2,769
State Farm	$1,381	$3,892
Auto-Owners Insurance Co	$1,401	$2,901
State Farm	$1,468	$4,885
Auto-Owners Insurance Co	$1,481	$3,252
Progressive	$1,493	$2,010
Travelers	$1,526	$3,423
State Farm	$1,530	$4,311
Nationwide	$1,533	$3,111
State Farm	$1,550	$5,197
State Farm	$1,551	$5,866
Travelers	$1,559	$3,495
Nationwide	$1,560	$4,696
Auto-Owners Insurance Co	$1,571	$4,494
Nationwide	$1,576	$3,475
Auto-Owners Insurance Co	$1,580	$3,970
Progressive	$1,593	$2,111
Auto-Owners Insurance Co	$1,608	$3,531
Travelers	$1,613	$4,404
Progressive	$1,615	$3,116
Auto-Owners Insurance Co	$1,619	$3,882
GEICO	$1,622	$3,975
State Farm	$1,649	$5,421
Allstate	$1,649	$2,484
Allstate	$1,675	$2,523
Allstate	$1,681	$2,532
Nationwide	$1,684	$5,673
Allstate	$1,690	$2,643
Nationwide	$1,723	$3,498
GEICO	$1,737	$1,973
Progressive	$1,743	$3,350
Progressive	$1,748	$2,354
GEICO	$1,755	$2,160
GEICO	$1,757	$2,534
GEICO	$1,762	$2,001
Progressive	$1,762	$2,335
State Farm	$1,777	$6,710
GEICO	$1,801	$2,216
Nationwide	$1,804	$3,662
Nationwide	$1,806	$4,396
Allstate	$1,827	$2,695
GEICO	$1,835	$2,658
Progressive	$1,836	$2,929
GEICO	$1,845	$2,391
GEICO	$1,845	$2,284
Travelers	$1,849	$4,147
Nationwide	$1,849	$4,076
Progressive	$1,855	$3,998
Progressive	$1,863	$2,897
GEICO	$1,870	$2,123
Farmers	$1,871	$4,323
Progressive	$1,878	$3,623
GEICO	$1,882	$2,316
Allstate	$1,888	$2,780
Auto-Owners Insurance Co	$1,892	$4,294
GEICO	$1,904	$5,337
Progressive	$1,910	$2,530
Allstate	$1,924	$2,837
Travelers	$1,926	$5,389
Progressive	$1,930	$2,599
Nationwide	$1,934	$5,225
State Farm	$1,935	$7,297
State Farm	$1,937	$6,368
Nationwide	$1,940	$4,278
Allstate	$1,942	$3,035
Auto-Owners Insurance Co	$1,955	$5,406
Allstate	$1,958	$2,887
Farmers	$1,975	$4,108
GEICO	$1,983	$2,872
Farmers	$1,987	$4,778
GEICO	$1,997	$3,148
GEICO	$1,997	$3,189
GEICO	$2,021	$2,913
State Farm	$2,032	$7,673
Farmers	$2,037	$4,708
State Farm	$2,042	$8,751
Farmers	$2,060	$5,249
Progressive	$2,074	$4,513
Auto-Owners Insurance Co	$2,076	$4,713
Farmers	$2,087	$4,557
Farmers	$2,105	$10,384
Farmers	$2,112	$5,080
GEICO	$2,118	$5,193
Auto-Owners Insurance Co	$2,126	$5,468
Farmers	$2,126	$3,782
Progressive	$2,130	$4,094
GEICO	$2,134	$5,980
Progressive	$2,141	$8,684
Farmers	$2,147	$5,631
Nationwide	$2,157	$7,766
Allstate	$2,160	$3,186
Farmers	$2,167	$3,854
Auto-Owners Insurance Co	$2,222	$6,143
Farmers	$2,222	$4,069
Nationwide	$2,227	$8,987
Nationwide	$2,227	$8,987
Farmers	$2,229	$11,268
State Farm	$2,241	$8,373
Auto-Owners Insurance Co	$2,254	$7,149
Nationwide	$2,278	$9,604
Farmers	$2,296	$4,204
Allstate	$2,297	$3,751
Farmers	$2,327	$11,480
Nationwide	$2,333	$7,024
GEICO	$2,345	$8,402
GEICO	$2,345	$8,080
Progressive	$2,366	$9,671
Allstate	$2,455	$3,614
Farmers	$2,484	$12,558
Nationwide	$2,521	$10,669
State Farm	$2,570	$9,603
State Farm	$2,582	$10,965
Farmers	$2,589	$16,464
Progressive	$2,597	$12,141
Nationwide	$2,633	$12,262
Nationwide	$2,633	$12,262
Progressive	$2,658	$10,782
Nationwide	$2,695	$13,124
Nationwide	$2,712	$9,135
Farmers	$2,766	$18,126
Allstate	$2,769	$4,625
Progressive	$2,839	$13,302
Progressive	$2,897	$11,841
Allstate	$3,011	$4,442
Allstate	$3,563	$5,733
Allstate	$3,686	$5,931
Allstate	$3,720	$6,293
Allstate	$4,885	$7,111
Allstate	$5,054	$7,357
Allstate	$5,158	$8,058

Families with teen drivers can save money by adding them to an existing policy. For instance, a 16-year-old male teen in Surprise could save up to $2,895 per year by joining a family policy instead of purchasing an individual one. To find the cheapest auto insurance for teen drivers, compare rates from multiple providers and look for key discounts.

Cheapest Car Insurance in Surprise for Military Drivers

In Surprise, Arizona, the following insurers offer the cheapest full coverage policies for military members and their families:

Auto-Owners Insurance: $613 per year
Root Insurance Company: $655 per year

USAA, at $679 per year, is another excellent option for military drivers. It is highly ranked nationwide and caters exclusively to military members and their families. The cheapest minimum coverage policies for military drivers are available with USAA for $179 per year and Auto-Owners Insurance for $274 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$179	$15
USAA	$180	$15
USAA	$207	$17
Auto-Owners Insurance Co	$267	$22
Auto-Owners Insurance Co	$274	$23
State Farm	$310	$26
Travelers	$327	$27
State Farm	$329	$27
Mercury	$333	$28
Mercury	$343	$29
Travelers	$349	$29
Travelers	$365	$30
Auto-Owners Insurance Co	$373	$31
Country Financial	$382	$32
Country Financial	$385	$32
State Farm	$401	$33
Root Insurance Company	$410	$34
Hartford	$413	$34
Root Insurance Company	$415	$35
Root Insurance Company	$439	$37
Hartford	$463	$39
Mercury	$474	$39
GEICO	$487	$41
Iowa Farm Bureau	$502	$42
GEICO	$513	$43
Progressive	$517	$43
Progressive	$518	$43
Farmers	$524	$44
Allstate	$529	$44
Country Financial	$537	$45
Iowa Farm Bureau	$542	$45
Farmers	$545	$45
Nationwide	$560	$47
GEICO	$587	$49
Nationwide	$589	$49
Auto-Owners Insurance Co	$593	$49
Progressive	$601	$50
Allstate	$607	$51
Hartford	$607	$51
Allstate	$613	$51
Auto-Owners Insurance Co	$613	$51
USAA	$635	$53
Farmers	$642	$54
Root Insurance Company	$655	$55
Iowa Farm Bureau	$656	$55
Root Insurance Company	$657	$55
State Farm	$658	$55
Travelers	$678	$57
USAA	$679	$57
Travelers	$691	$58
Root Insurance Company	$701	$58
State Farm	$719	$60
CSAA	$736	$61
Nationwide	$739	$62
Hartford	$764	$64
USAA	$813	$68
Travelers	$817	$68
Auto-Owners Insurance Co	$830	$69
GEICO	$841	$70
GEICO	$843	$70
Hartford	$845	$70
CSAA	$862	$72
State Farm	$909	$76
Progressive	$912	$76
Iowa Farm Bureau	$927	$77
Progressive	$954	$79
CSAA	$980	$82
Farmers	$989	$82
Allstate	$989	$82
Iowa Farm Bureau	$999	$83
Farmers	$1,026	$85
GEICO	$1,037	$86
Mercury	$1,057	$88
Allstate	$1,083	$90
Mercury	$1,112	$93
Allstate	$1,133	$94
Iowa Farm Bureau	$1,175	$98
Progressive	$1,180	$98
Hartford	$1,182	$98
Country Financial	$1,206	$100
Nationwide	$1,232	$103
Farmers	$1,234	$103
CSAA	$1,281	$107
Country Financial	$1,359	$113
Nationwide	$1,398	$117
The General	$1,433	$119
CSAA	$1,496	$125
Mercury	$1,572	$131
The General	$1,609	$134
Nationwide	$1,681	$140
CSAA	$1,697	$141
Country Financial	$1,724	$144
The General	$2,140	$178
The General	$2,876	$240
The General	$2,995	$250
The General	$4,167	$347

How to Compare Cheap Surprise Car Insurance Quotes Online

It can be time-consuming to compare car insurance rates from multiple providers, taking up to 15 minutes to input the personal information required for a single quote. Fortunately, MoneyGeek’s car insurance calculator can quickly provide a rough estimate based on your age, coverage amount, vehicle type and driving history.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Arizona

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$395

2.GEICO

$413

3.CSAA

$516

4.Country Financial

$574

5.Hartford

$576

Best Car Insurance in Surprise: Summary

The best insurer for you will vary based on how much you value coverage options, customer service and affordability. The best auto insurers across different categories are listed below:

Best overall: Auto-Owners Insurance (MoneyGeek score of 82 out of 100)
Best for service: Auto-Owners Insurance (MoneyGeek score of 66 out of 100)
Best cheap: Auto-Owners Insurance (MoneyGeek score of 84 out of 100)

An insurer’s overall MoneyGeek score may vary based on how factors were weighted in that category. In addition to being the best provider in Surprise, Auto-Owners Insurance also offers the best car insurance in Arizona. Individuals with a military background can get the best car insurance deals from USAA. The insurer earned a high MoneyGeek score of 84 out of 100 for its well-rounded policies.

Best Overall Car Insurance in Surprise

In Surprise, the following insurers offer the best full coverage car insurance:

Auto-Owners Insurance: MoneyGeek score of 84 out of 100 ($613 per year)
Travelers: MoneyGeek score of 79 out of 100 ($691 per year)

Auto-Owners Insurance has the most affordable rates and offers a fair amount of coverage options. This means that you’ll receive a great value for your money. USAA, with a MoneyGeek score of 84 out of 100, is the best option for those with a background.

How was this MoneyGeek score calculated?

pros

Has the cheapest rates of the insurers in our comparison group

Provides good customer service

Offers diminished value and accident forgiveness coverage

cons

Does not offer new car replacement coverage or rideshare insurance

COMPANY HIGHLIGHTS

Auto-Owners Insurance offers the cheapest rates, provides quality service and has a fair amount of coverage options, making it the best overall insurer in Surprise.

Diminished value coverage, available with this insurer, helps pay for the difference in the cost between your car’s pre-accident value and the amount it is worth after undergoing repairs. This could potentially save you thousands of dollars. Gap insurance, also available with this insurer, will reimburse you for the difference between the current market value of your car and the balance of your loan or lease should an accident occur. Accident forgiveness coverage is another useful option that can save you money. With this coverage, your insurance rate won’t increase after your first at-fault accident. It can be purchased or earned through safe driving.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

Best Car Insurance in Surprise for Customer Service

For this category, cost wasn’t taken into account to rank the best insurer for customer service in Surprise:

Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($613 per year)
Country Financial: MoneyGeek score of 65 out of 100 ($1,359 per year)

Of the insurers in our study, Auto-Owners Insurance has the highest score for claims management and one of the highest customer satisfaction ratings. It is also one of the cheapest insurers.

How was this MoneyGeek score calculated?

pros

Has the highest claims management rating of the insurers in our comparison group

Has a relatively high customer satisfaction score

Offers a unique coverage package and deductible modification coverage

cons

Does not offer new car replacement coverage

COMPANY HIGHLIGHTS

Typically, you may pay more for an insurer who offers quality customer service, but not with Auto-Owners Insurance. This provider offers competitive rates without compromising on customer service.

Auto-Owners Insurance's Personal Automobile Plus Package simplifies several insurance-related issues by bundling a number of coverage options for a discounted rate. With the over 10 additional coverages in this bundle, you won't have to worry about expenses related to identity theft, re-keying locks or replacing a mobile phone. If you are involved in an accident with another car that Auto-Owners Insurance also insures, your deductible will be reduced or eliminated completely.

Quality customer service may not be every driver’s top priority, but it comes in handy during stressful situations, like after an accident or mechanical breakdown. During these times, it helps to know that your insurer will be responsive to your claims and address your concerns swiftly.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

Best Cheap Car Insurance in Surprise

We ranked the best cheap insurers in Surprise based on affordability and service quality for a minimum coverage policy. These are our top 2 options:

Auto-Owners Insurance: MoneyGeek score of 84 out of 100 ($274 per year)
Travelers: MoneyGeek score of 79 out of 100 ($327 per year)

Liability-only policies are typically the cheapest, but they offer the lowest amount of protection. They also won’t cover any damages incurred to your vehicle after an accident.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy costs $274 per year

Offers discounts for insuring multiple cars, going paperless and early signing

Has a perfect affordability score and excellent coverage options

cons

Does not offer a defensive driving discount

COMPANY HIGHLIGHTS

Auto-Owners Insurance provides low-cost plans without compromising on coverage options. Policyholders can further reduce the cost of their already low premium through the insurer’s many discount opportunities.

The insurer offers discounts for bundling your auto insurance with your home, renters or life insurance. You can also save money by insuring multiple cars or safe driving. Young adults may also benefit from this insurer, as it offers a discount for drivers who maintain a high grade point average. Further discounts are available for installing an anti-theft device or airbags in your vehicle, opting for paperless billing statements and paying your full yearly premium on time. Customers who have made on-time payments for the past 36 months are also eligible for the insurer’s responsible payment discount.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

Average Cost of Car Insurance in Surprise

In Surprise, the average cost of car insurance is $1,105 per year as of October 2022. This is $160 less than the national average cost of car insurance, $1,265, and $88 less than the average annual auto insurance rate in Arizona, $1,193 per year. However, many factors besides location contribute to the total expense of car insurance.

These costs reflect a full coverage policy covering $300,000 in bodily injury liability per accident, $100,000 in bodily injury liability per person and $100,000 in property damage per incident.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Surprise, AZ

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On This Page:

Cheapest Minimum Liability Car Insurance in Surprise

Cheapest Full Coverage Car Insurance in Surprise

Cheapest Car Insurance in Surprise After a Driving Offense

Cheapest Car Insurance in Surprise for Teens and Their Families

Cheapest Car Insurance in Surprise for Military Drivers

How to Compare Cheap Surprise Car Insurance Quotes Online

Best Car Insurance in Surprise: Summary

Best Overall Car Insurance in Surprise

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Surprise for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Surprise

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Surprise