Compare Rates and Save On Auto Insurance

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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.

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2023

Cheapest and Best Car Insurance in Surprise, AZ

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.

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.

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.

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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.

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.

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.

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.

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USAA

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?

Auto-Owners Insurance

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 Insurance 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?

Auto-Owners Insurance

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 Insurance 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?

Auto-Owners Insurance

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 Insurance 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 headshot

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.