Compare Surprise, AZ Car Insurance Rates (2021)

The cheapest Surprise, AZ car insurance rates are from GEICO, averaging at $196 per month. Rates will vary by driver depending on your age and driving record. Auto insurance in Surprise, AZ must meet the state minimums of 25/50/15 in liability coverage and 25/50 in uninsured/underinsured motorist coverage. However, drivers are encouraged to increase those limits and add coverages.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: May 21, 2021

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Here's what you need to know...

  • GEICO offers the cheapest car insurance on average in Surprise, AZ
  • Car insurance rates in Surprise are below the national average
  • Drivers in Surprise, AZ have below-average commute times and little traffic congestion

Although Surprise, AZ car insurance is cheaper than the national average, it is more expensive than the Arizona car insurance average.

The good news is that you can still find affordable Surprise, AZ car insurance. Shop around and compare quotes from different companies to see who has the cheap car insurance that fits your needs.

Enter your ZIP code now to compare Surprise, AZ car insurance rates from multiple companies for free.

What is the cheapest car insurance company in Surprise, AZ?

The cheapest Surprise, AZ car insurance company is GEICO, although rates will be different for each driver.

The top Surprise, AZ auto insurance companies listed from cheapest to most expensive are:

  • GEICO – $2,361.67
  • USAA – $2,939.31
  • Travelers – $3,252.71
  • Nationwide – $3,799.98
  • Progressive – $3,803.95
  • American Family – $4,528.97
  • State Farm – $4,920.91
  • Allstate – $5,291.70
  • Farmers – $5,478.27

Your car insurance rates are affected by many different factors, such as your age, gender, credit history, and driving record.

Where you live and the size of your city also affects your rates. Larger cities with more crime and traffic will pay more for car insurance. For example, car insurance in Phoenix, AZ is more expensive than coverage in Surprise.

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What car insurance coverage is required in Surprise, AZ?

Like most states, drivers in Arizona must carry at least a minimum amount of car insurance. Drivers in Surprise must have:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

You can see that this is not a lot of coverage and would be exhausted quickly, especially in a serious accident. Consider increasing your limits and adding additional coverages so that your injuries and any damages to your vehicle are covered.

What affects car insurance rates in Surprise, AZ?

You might not know that the amount of traffic in your city can affect your auto insurance rates, but more cars on the road mean a higher chance of being in an accident.

INRIX ranks Surprise, AZ as the 232nd most congested city in the U.S. This is great news for area drivers. In fact, City-Data reports that most drivers in Surprise commute around 15 minutes, and a good number of residents carpool or walk to work.

Theft can also raise your rates. According to the FBI, there were 175 motor vehicle thefts in one year in Surprise, AZ.

Surprise, AZ Car Insurance: The Bottom Line

Although Surprise car insurance is more expensive than average, you can still find a good deal. Before you buy Surprise, AZ car insurance, shop around and compare rates to see who has the cheapest coverage.

Enter your ZIP code now to compare Surprise, AZ car insurance quotes from multiple companies near you.

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

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