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.
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.
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.
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.
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.
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.
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.
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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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?

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.
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?

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.
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?

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.
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
