Compare the Cheapest Car Insurance Quotes in Surprise

Surprise's average annual car insurance rate of $1,174 is 8.6% lower than the state average. MoneyGeek compared the car insurance companies in Surprise to find the cheapest insurer based on coverage level and driver profile. Of all, GEICO is the cheapest widely available insurance provider at roughly $713 annually. Through MoneyGeek's recommendations on the best car insurance companies in Surprise, you can find a provider offering a balance of affordability and service.

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The Cheapest and Best Car Insurance in Surprise

The Cheapest Car Insurance Companies in Surprise

If you’re looking for a full coverage policy in Surprise, the following two companies can offer you the most affordable rates on average:

  • USAA: $622 per year (only serving current and former military members)
  • GEICO: $713 per year

While comparing and looking for the best car insurance companies in Surprise, affordability is a major factor for most drivers. For many drivers in the city, a similar policy from MetLife is the most expensive and costs an average of $1,768, which is $187.1% more than USAA and 150.5% higher than GEICO.

These rates are for a 40-year-old male driver buying a full coverage policy, including liability coverage to cover injuries and damages to others and comprehensive and collision coverage to cover damages to your vehicle.

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Average Cost of Car Insurance in Surprise

Surprise$1,174
Arizona$1,284
U.S.$1,424

Considering the state and national averages, the average car insurance rate in Surprise is lower. For drivers in Surprise, the average annual car insurance rate is $1,174. This is 8.6% less than the state average rate of $1,284 per year and 17.6% less than the national annual average of $1,424.

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The Best Car Insurance Companies in Surprise

MoneyGeek assessed the best auto insurance companies in Surprise to help you find a company offering affordable rates and quality service. The following two companies had the best ratings in Surprise:

  • GEICO: MoneyGeek score of 90 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

Of the companies, USAA was rated the best car insurance provider in Surprise. However, the company serves only active and veteran military members and their families.

MoneyGeek rated the companies based on variables, such as J.D. Power's consumer satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A

Financial Stability

4
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
CSAA
Score:83

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

6
Liberty Mutual
Score:83

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
American Family
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
Safeco
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Progressive
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Surprise

Annual auto insurance rates in Surprise are determined using a variety of factors. Age, location, driving record and driving experience are some of them. Hence it’s important to get personalized quotes for your car insurance. Regularly comparing car insurance quotes will help you get the cheapest car insurance in Surprise as well as discounts, rebates or other savings.

Shopping around for car insurance in Surprise could save you $461, which is enough to buy:


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154Cups of Coffee
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35Months of Your Favorite Streaming Service

Cheapest Car Insurance in Surprise by Coverage Amount

Regardless of your location, one of the key factors influencing the cost of your insurance is the amount of coverage you purchase. A policy that meets Surprise's state minimum liability requirements costs $597 per year on average, while a policy with full coverage and higher liability limits costs an average of $1,174 per year. This is a difference of $577.

Arizona Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.

If the cheapest car insurance is what you are looking for, GEICO’s state minimum liability-only policy costs an average of $338 annually. You can increase your protection to a 50/100/50 liability-only policy for about $130 more.

A liability-only policy covers injuries and damages caused to property or others involved in an accident if you’re at fault. 50/100/50 coverage means you get up to $50,000 per person involved in the accident with $100,000 in coverage for all parties and a property damage limit of $25,000.

A full coverage policy covers crash-related damages, regardless of fault. A full coverage policy in Surprise from GEICO costs $609 annually on average. For extended protection, you can opt for a policy with 100/300/100 limits for an extra $104 on average.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Surprise if You Have Driving Violations

Drivers with clean driving records are eligible for cheaper auto insurance in Surprise. Having tickets or traffic offenses, such as speeding, an at-fault accident or DUI, will raise your yearly car insurance premiums.

A driver in Surprise with a speeding ticket on their record who is insured by GEICO will pay an extra $131 per year on average. Drivers who are at fault in an accident may have to pay an additional $315 annually on average. Drivers who have a DUI record may have to pay an extra $710 yearly on average.

Average Cost of Car Insurance by Postal Code

Your ZIP code will impact how much you pay for car insurance on average. This is because risk factors like car thefts, accidents and claims history in that area can be different for each neighborhood. You can compare the cheaper auto insurance rates in Surprise to get the best deal.

Drivers in Surprise residing in ZIP code 85374 will pay an annual average of $1,151 for their car insurance, which is roughly $46 less each year than what residents living in ZIP code 85379 pay.

  • Zip Code
    State Minimumper year
  • 85374
    $1,151
  • 85379
    $1,197

Factors That Impact Insurance Costs in Surprise

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Surprise. How Surprise ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities241st/300
handcuffs2 icon
Most Car Thefts127th/300
uninsured icon
Most Uninsured Motorists by State24th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall290th/300
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Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Surprise are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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