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.
Compare the Cheapest Car Insurance Quotes in Surprise
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
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.
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.
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:
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
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
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.
About the Author
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.