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


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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.

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2024

Cheapest and Best Car Insurance in Surprise

Why Trust MoneyGeek? We analyzed 105,568 quotes in Arizona, including the city of Surprise, from 16 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Surprise insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered, and financial stability.

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These rates reflect the cheapest car insurance quotes in Surprise, AZ as of July 2024.

105,568Quotes Analyzed
 
16Companies Compared

Cheapest Minimum Coverage Car Insurance in Surprise

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Auto-Owners Insurance Co$404$34
Mercury$423$35
Root Insurance Company$436$36
State Farm$457$38
Country Financial$464$39
GEICO$505$42
Progressive$592$49
Travelers$626$52
Hartford$641$53
Iowa Farm Bureau$672$56
Allstate$673$56
Farmers$686$57
Nationwide$801$67
CSAA$1,160$97
The General$1,585$132

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.

Cheapest Full Coverage Car Insurance in Surprise

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Root Insurance Company$693$58
Auto-Owners Insurance Co$878$73
GEICO$932$78
State Farm$1,011$84
Progressive$1,121$93
Travelers$1,147$96
Hartford$1,181$98
Iowa Farm Bureau$1,267$106
Farmers$1,301$108
Allstate$1,360$113
Country Financial$1,368$114
Nationwide$1,480$123
Mercury$1,522$127
CSAA$2,597$216
The General$3,038$253

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.

Cheapest Car Insurance in Surprise After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Root Insurance Company$848$71
Auto-Owners Insurance Co$878$73
State Farm$1,138$95
GEICO$1,145$95
Travelers$1,321$110
Hartford$1,501$125
Progressive$1,506$126
Iowa Farm Bureau$1,638$137
Farmers$1,651$138
Nationwide$1,785$149
Country Financial$1,808$151
Allstate$2,297$191
Mercury$2,633$219
CSAA$3,211$268
The General$3,950$329

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.

Cheapest Car Insurance in Surprise for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
Travelers$1,613$3,066
State Farm$2,042$2,786
Auto-Owners Insurance Co$2,126$2,144
Nationwide$2,278$5,638
GEICO$2,345$4,735
Farmers$2,589$10,052
Progressive$2,597$7,601
Allstate$3,720$3,495

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.

Cheapest Car Insurance in Surprise for Military 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Root Insurance Company$693$58
Auto-Owners Insurance Co$878$73
GEICO$932$78
State Farm$1,011$84
USAA$1,106$92
Progressive$1,121$93
Travelers$1,147$96
Hartford$1,181$98
Iowa Farm Bureau$1,267$106
Farmers$1,301$108
Allstate$1,360$113
Country Financial$1,368$114
Nationwide$1,480$123
Mercury$1,522$127
CSAA$2,597$216
The General$3,038$253

How to Compare Cheap Surprise Car Insurance Quotes Online

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.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Nov 09, 2024

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Best Car Insurance in Surprise: Overview

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.

Overall Best Car Insurance in Surprise

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.

Company logo for Auto-Owners Insurance
Best OverallAuto-Owners Insurance
MoneyGeek Score:
88/ of 100

Overview

Auto-Owners boasts high satisfaction and affordability scores. The company offers Roadside Assistance and Rental Car and/or Travel Reimbursement. It also provides Gap Insurance and a Coverage Package — Personal Automobile Plus Package — that enhances your insurance experience.

Auto-Owners also offers rare but beneficial coverages such as Diminished Value Coverage, which helps if your vehicle loses value after an accident. Furthermore, Accident Forgiveness ensures premiums won't surge after an at-fault accident.

Best Car Insurance in Surprise for Customer Service

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.

Company logo for Auto-Owners Insurance
Best for Customer ServiceAuto-Owners Insurance
MoneyGeek Score:
86/ of 100

Overview

Auto-Owners offers Roadside Assistance and Rental car and/or travel reimbursement. Diminished Value Coverage ensures customers are compensated if their vehicle loses value after an accident. The Coverage Package, a comprehensive offering, simplifies protection by bundling key benefits. Accident Forgiveness also shields clients from rate increases after their first at-fault accident/

Best Cheap Car Insurance in 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.

Company logo for Auto-Owners Insurance
Best Cheap CompanyAuto-Owners Insurance
MoneyGeek Score:
92/ of 100

Overview

Auto-Owners’s perfect affordability score indicates exceptional performance in cost-effectiveness for consumers. With an average annual premium of just $404, the average driver enjoys the benefits of minimum coverage at less than $34 a month.

Average Cost of Car Insurance in Surprise

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.

Chandler$1,447
Gilbert$1,456
Glendale$1,664
Mesa$1,487
Peoria$1,554
Phoenix$1,712
Scottsdale$1,448
Surprise$1,404
Tempe$1,539
Tucson$1,382

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.