Compare the Cheapest Car Insurance Quotes in Surprise, AZ

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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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 7/31/2022
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GEICO offers, on average, the least expensive auto insurance in Surprise, including for state minimum coverage or with a speeding ticket. USAA may be the best auto insurer for military families. GEICO is MoneyGeek's top pick because of its affordable prices and customer service. Your best choice depends on your profile and coverage requirements.

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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.

Cheapest Car Insurance in Surprise
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $622
  • 2.
    GEICO
    $713
  • 3.
    Hartford
    $923
  • 4.
    Progressive
    $967
  • 5.
    American Family
    $1,050
  • 6.
    Nationwide
    $1,058
  • 7.
    State Farm
    $1,072
  • 8.
    Country Financial
    $1,109
  • 9.
    Travelers
    $1,151
  • 10.
    Esurance
    $1,210
  • 11.
    Allstate
    $1,235
  • 12.
    CSAA
    $1,264
  • 13.
    Mercury
    $1,424
  • 14.
    Farmers
    $1,473
  • 15.
    MetLife
    $1,786

MoneyGeek's analysis utilized average rates for a 40-year-old male driver in Surprise with full coverage insurance, as outlined in our methodology.

Comprehensive and collision coverage come with full coverage vehicle insurance, making it more expensive than minimum coverage. These additional coverages protect you against the expense of vehicle damage.

  • Collision insurance: pays for car repairs in an at-fault accident with another vehicle or fixed object
  • Comprehensive insurance: pays for repairs for non-collision damage to your vehicle or theft

If you own an older vehicle, the cost of full coverage auto insurance may exceed the vehicle's market value. To save money, choose liability-only or Arizona’s minimum coverage.

Compare Car Insurance Rates in Surprise

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Surprise for Minimum Coverage

The cheapest car insurance in Surprise is a state minimum coverage policy. For minimum coverage, the most affordable insurers in Surprise, on average, are:

  • GEICO: $338 per year
  • CSAA: $488 per year

USAA is the lowest-priced minimum coverage policy for military families in Surprise, $269 per year on average.

GEICO's state minimum coverage policy is $554 less expensive than MetLife's, the most expensive at roughly $892 annually.

A minimum coverage policy has the lowest price but also has the lowest liability limits and does not include collision and comprehensive insurance, so you run the risk of not being fully insured.

View the table below to see how rates vary with increased liability limits.

Cheapest Minimum Liability Car Insurance in Surprise
State Minimum

Arizona requires liability insurance of 25/50/15. This state minimum coverage policy is the cheapest choice in Surprise, but it also provides the least coverage. In an accident, you could pay the amount your insurance does not cover.

For example, if you cause an accident that results in $60,000 in total medical bills, your minimum coverage policy only covers $50,000 per accident, leaving you liable for the remaining $10,000.

Arizona Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Surprise if You Have Driving Violations

Driving violations — speeding tickets, at-fault accidents and DUIs — result in higher auto insurance costs in Surprise. The following are the most affordable auto insurance companies in Surprise, on average, for drivers with a violation:

  • Cheapest after a ticket: GEICO, $844 per year
  • Cheapest after an at-fault accident: GEICO, $1,028 per year
  • Cheapest after a DUI: American Family, $1,087 per year

If you have a military background, USAA has the lowest auto policy rate with a speeding ticket or at-fault accident violation.

Surprise drivers who improve their driving record do get lower insurance prices. That takes time, though, so the easiest way to get the best auto insurance rate with a violation now is to shop around.

Cheapest Car Insurance in Surprise With a Violation
Speeding Ticket

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.

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.

Compare Car Insurance Rates in Surprise

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Surprise

When analyzing the best car insurance companies in Surprise, MoneyGeek considered user claims, average rates and user satisfaction scores. Based on our methodology, the top auto insurance companies in Surprise are:

  • GEICO: 94.4 out of 100
  • State Farm: 78.4 out of 100

It is worth noting that USAA received a top score of 100, putting it at the top of the list. However, due to USAA's sole focus on retired or serving military families, MoneyGeek didn’t include it in our rankings.


1
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO received a perfect stability score along with exceptional ratings in user claims and customer satisfaction. It offers Mechanical Breakdown Insurance as a unique add-on. A full GEICO insurance coverage in Surprise costs roughly $713 per year.

More About GEICO

Ranked as the best car insurance provider in Surprise, GEICO provides reasonable insurance policies to drivers of various backgrounds. It also offers Mechanical Breakdown Insurance, which is a less expensive alternative to a typical dealer extended protection plan. This coverage applies to all parts and systems, not simply those covered by standard dealer warranties. GEICO also offers its customers in Surprise the option of purchasing accident forgiveness coverage. If you have this coverage included in your standard GEICO insurance plan, your insurance costs will not increase after your first accident, even if you were at fault.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm achieved a perfect score for customer satisfaction and a great rating for claims processing. However, it scored lower in affordability. This insurer offers Surprise drivers rideshare insurance and costs around $1,072 per year.

More About State Farm

State Farm, one of the best car insurance companies in Surprise, offers the unique coverage of rideshare insurance. This ensures that your current coverage for health expenses, roadside assistance and rental car reimbursement remains valid under your personal auto insurance in the event you work for a ridesharing firm. Additionally, State Farm offers a roadside assistance add-on for drivers in Surprise. This pays for car towing services, delivery of gas, tire replacement services and more.

Read MoneyGeek's State Farm auto Insurance Review

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

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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