Compare Surprise, AZ Car Insurance Rates (2021)

Car insurance in Surprise, AZ averages $337 a month. Surprise, Arizona car insurance requirements are 15/30/10, but you might need full coverage insurance if your car is financed. To find cheap Surprise car insurance rates, compare quotes from the top car insurance companies in Surprise, AZ.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Surprise is GEICO
  • The cheapest ZIP code in Surprise is 85375
  • The cheapest car insurance company in Surprise for teen drivers is GEICO

If you need to buy Surprise, Arizona car insurance, the options can be confusing. Everything you need to know about car insurance in Surprise, AZ is right here.

You’ll find Surprise car insurance rates, the cheapest Surprise, AZ car insurance companies, and information on Arizona car insurance laws. You can also compare Surprise, Arizona car insurance rates to Peoria car insurance rates, Mesa car insurance rates, and Glendale car insurance rates.

Ready to find affordable Surprise, AZ car insurance today? Enter your ZIP code for fast, free Surprise car insurance quotes.

Cheapest Surprise, AZ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Surprise, AZ car insurance rates? Every Surprise, Arizona car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Surprise, Arizona

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,738 $3,738 $3,639 $3,639 $8,203 $10,630 $4,188 $4,558
American Family $2,991 $2,991 $2,746 $2,746 $7,917 $10,348 $2,991 $3,503
Farmers $2,931 $2,925 $2,608 $2,796 $12,741 $13,162 $3,292 $3,371
GEICO $1,609 $1,792 $1,367 $1,747 $4,622 $4,855 $1,466 $1,435
Nationwide $2,543 $2,588 $2,271 $2,407 $6,341 $8,128 $2,941 $3,181
Progressive $2,095 $1,829 $1,884 $1,789 $8,682 $9,674 $2,251 $2,228
State Farm $2,969 $2,969 $2,631 $2,631 $9,277 $11,665 $3,194 $4,033
Travelers $2,024 $2,129 $1,892 $2,010 $5,996 $7,584 $2,139 $2,247
USAA $1,622 $1,632 $1,508 $1,536 $5,925 $6,848 $2,135 $2,308

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Minimum Car Insurance in Surprise, AZ

Every driver must carry the minimum car insurance in Surprise, AZ. Take a look at the Arizona car insurance requirements.

Minimum Required Car Insurance Coverage in Surprise, Arizona

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Surprise, AZ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Surprise, AZ. Compare credit history car insurance rates in Surprise from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Surprise, Arizona

Insurance Company Poor Fair Good
Allstate $6,774 $4,818 $4,282
American Family $5,692 $4,241 $3,654
Farmers $6,252 $5,220 $4,963
GEICO $3,246 $2,128 $1,710
Nationwide $4,574 $3,640 $3,186
Progressive $4,239 $3,707 $3,465
State Farm $9,057 $3,508 $2,198
Travelers $3,959 $3,226 $2,573
USAA $3,885 $2,697 $2,237

Cheapest Surprise, AZ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Surprise, AZ to rates for a clean record with top companies.

Annual Surprise, Arizona Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,219 $5,369 $6,096 $5,483
American Family $3,216 $4,959 $6,205 $3,736
Farmers $4,627 $5,980 $5,839 $5,467
GEICO $1,825 $2,478 $3,319 $1,825
Nationwide $3,211 $3,377 $5,017 $3,596
Progressive $3,354 $4,427 $3,539 $3,897
State Farm $4,472 $5,369 $4,921 $4,921
Travelers $2,601 $3,385 $3,788 $3,236
USAA $2,143 $3,056 $4,037 $2,521

Cheapest Surprise, AZ Car Insurance for Teen Drivers

Teen car insurance in Surprise, AZ can be expensive. Take a look at rates from the top car insurance companies in Surprise for teenagers.

Annual Car Insurance Rates for Teen Drivers in Surprise, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,203 $10,630
American Family $7,917 $10,348
Farmers $12,741 $13,162
GEICO $4,622 $4,855
Nationwide $6,341 $8,128
Progressive $8,682 $9,674
State Farm $9,277 $11,665
Travelers $5,996 $7,584
USAA $5,925 $6,848

Cheapest Surprise, AZ Car Insurance for Seniors

Take a look at Surprise, AZ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Surprise, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,639 $3,639
American Family $2,746 $2,746
Farmers $2,608 $2,796
GEICO $1,367 $1,747
Nationwide $2,271 $2,407
Progressive $1,884 $1,789
State Farm $2,631 $2,631
Travelers $1,892 $2,010
USAA $1,508 $1,536

Cheapest Surprise, AZ Car Insurance Rates After a DUI

A DUI in Surprise, AZ increases car insurance rates. Compare Surprise, Arizona DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Surprise, Arizona

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,096
American Family $6,205
Farmers $5,839
GEICO $3,319
Nationwide $5,017
Progressive $3,539
State Farm $4,921
Travelers $3,788
USAA $4,037

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Cheapest Surprise, AZ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Surprise, AZ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Surprise, Arizona

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,292 $5,292
American Family $4,486 $4,572
Farmers $5,478 $5,478
GEICO $2,322 $2,401
Nationwide $3,800 $3,800
Progressive $3,804 $3,804
State Farm $4,794 $5,047
Travelers $3,253 $3,253
USAA $2,907 $2,971

Cheapest Surprise, AZ Car Insurance Rates by ZIP Code

Surprise car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Surprise, AZ.

Annual Car Insurance Rates by ZIP Code in Surprise, Arizona

ZIP Code Average Annual Rates
85374 $4,017
85375 $3,678
85378 $4,111
85379 $4,108
85387 $3,812
85388 $4,055

The Best Cheap Car Insurance Companies in Surprise, AZ

Take a look at a side-by-side comparison of the top car insurance companies in Surprise, AZ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Surprise, Arizona

Insurance Company Average Annual Rates
Allstate $5,292
American Family $4,529
Farmers $5,478
GEICO $2,362
Nationwide $3,800
Progressive $3,804
State Farm $4,921
Travelers $3,253
USAA $2,939

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Category Winners: Cheapest Car Insurance in Surprise, Arizona

Find the cheapest car insurance companies in Surprise, AZ for each category right here.

Best Annual Car Insurance Rates by Company in Surprise, Arizona

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Cheapest Surprise, AZ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Surprise car insurance rates. Find the cheapest Surprise, AZ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Surprise, Arizona

Insurance Company Low Medium High
Allstate $4,973 $5,321 $5,581
American Family $4,356 $4,673 $4,558
Farmers $4,574 $5,540 $6,321
GEICO $1,971 $2,399 $2,715
Nationwide $3,624 $3,844 $3,932
Progressive $3,322 $3,880 $4,210
State Farm $4,398 $5,018 $5,346
Travelers $2,872 $3,309 $3,577
USAA $2,730 $2,975 $3,113

What affects car insurance rates in Surprise, Arizona?

What factors can have an impact on Surprise, AZ car insurance? There are several reasons why Surprise car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Surprise, Arizona.

Car Theft in Surprise

High levels of vehicle theft can make car insurance more expensive. Surprise, AZ car theft statistics from the FBI indicate 192 vehicle thefts a year.

Commute Time in Surprise

The more time you spend in your car the higher the risk of an accident. The average commute length in Surprise, AZ is 30.4 minutes according to City-Data.

Traffic in Surprise

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Surprise, AZ traffic data from INRIX ranks Surprise as the 899th-most congested in the world.

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Compare Car Insurance Quotes in Surprise, AZ

Ready to find affordable Surprise, Arizona car insurance today? Enter your ZIP code for fast, free Surprise, AZ car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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