Cheapest Car Insurance In Surprise, AZ 2025

Mercury offers the most affordable minimum coverage car insurance in Surprise, costing an average of $36 per month.

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Updated: 12 February 2025
Written by Bob Phillips
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When searching for the most affordable car insurance in Surprise, AZ, prices can differ significantly.

For liability-only coverage, Mercury takes the top spot as the most budget-friendly option. On the other hand, drivers who need full coverage will find the best rates with Root, which also provides the lowest prices for young drivers.

Cheapest Car Insurance In Surprise, AZ

Cheapest Liability-only Car Insurance In Surprise: Mercury

Mercury offers the most affordable minimum coverage car insurance in Surprise, averaging $36 per month.

Refer to the table below to compare rates from various insurance providers.

Provider Average Monthly Cost Average Annual Cost
State Farm $41 $492
Progressive $52 $624
Mercury $36 $432
Auto-Owners $43 $516
Root $55 $660

Cheapest Full Coverage Insurance Rates In Surprise: Root

Root provides the lowest rates for full coverage car insurance in Surprise, with an average cost of $75 per month.

Check the table below to compare average quotes from budget-friendly insurers in Surprise.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $88 $1,056
Travelers $96 $1,152
State Farm $83 $996
Progressive $92 $1,104
Root $75 $900

Cheapest Car Insurance Rates For Seniors: State Farm

State Farm offers the most affordable car insurance for seniors in Surprise, with an average rate of $60 per month.

The table below highlights average quotes from the cheapest auto insurance providers for seniors.

Provider Average Monthly Cost Average Annual Cost
Travelers $67 $804
State Farm $60 $720
Root $73 $876
Auto-Owners $63 $756
COUNTRY Financial $70 $840

Cheapest Rates In Surprise For Teenagers: Travelers

Travelers offers the lowest rates for teenage drivers in Surprise, with average monthly premiums of $132.

The table below lists the companies with the most affordable insurance rates for teenagers.

Provider Average Monthly Cost Average Annual Cost
Farmers $192 $2,304
GEICO $175 $2,100
Auto-Owners $166 $1,992
State Farm $178 $2,136
Travelers $132 $1,584

Cheapest Auto Insurance For Young Adults in Surprise: Root

Root provides the most affordable car insurance for young adults in Surprise, with average monthly rates of $68.

Check the table below to compare the cheapest auto insurance options for young adults in Surprise.

Provider Average Monthly Cost Average Annual Cost
Travelers $75 $900
Auto-Owners $95 $1,140
State Farm $82 $1,080
Progressive $90 $984
Root $68 $816

Cheapest Car Insurance In Surprise For Good Drivers: Mercury

Mercury offers the lowest car insurance rates for good drivers in Surprise, with an average cost of $36 per month.

Use the table below to compare average quotes from the most affordable insurance providers for good drivers.

Provider Average Monthly Cost Average Annual Cost
Progressive $52 $624
State Farm $41 $492
Root $55 $660
Mercury $36 $432
Auto-Owners $43 $516

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Cheapest Car Insurance In Surprise After A Speeding Ticket: Auto-Owners

Auto-Owners stands out as one of the most affordable options in Surprise, offering average rates of $48 per month for drivers with a speeding ticket.

Check the table below to compare average rates for drivers with a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
COUNTRY Financial $59 $708
Travelers $60 $720
State Farm $51 $612
Auto-Owners $48 $576
Progressive $65 $780

Cheapest For Drivers With After At-Fault Accident: State Farm

State Farm provides the most affordable car insurance for drivers with an at-fault accident, averaging $55 per month.

Below is a list of insurance companies offering the cheapest rates for drivers with an at-fault incident.

Provider Average Monthly Cost Average Annual Cost
Root $69 $828
Travelers $62 $744
Auto-Owners $72 $864
COUNTRY Financial $60 $720
State Farm $55 $660

Cheapest Rates In Surprise For Drivers After A DUI: State Farm

State Farm offers the lowest rates for drivers with a DUI. In Surprise, drivers typically pay an average of $49 per month for coverage.

For drivers in Surprise with a DUI, the table below shows the most affordable rates available.

Provider Average Monthly Cost Average Annual Cost
Progressive $53 $636
COUNTRY Financial $58 $696
Travelers $63 $756
Root $55 $660
State Farm $49 $588

Best Car Insurance Companies In Surprise

In Surprise, drivers can get the best insurance rates with Root, starting at $80 per month. Other options include Auto-Owners at $85 per month and State Farm at $91 per month.

Below are the top 10 car insurance companies in Surprise, AZ, listed by their average monthly rates.

Company Monthly Premium
Root $80
Auto-Owners $85
State Farm $91
USAA $103
Clearcover $115
ACCC $118
Mercury $132
Travelers $135
American Family $145
Safeco $153

Average Auto Insurance Rates In Surprise- By Age

Age plays a significant role in determining car insurance rates. Younger drivers generally face higher premiums because of their inexperience and higher risk of accidents or violations. Teenagers, for example, can expect to pay about $3,360 annually for car insurance.

As drivers approach 25, their rates typically begin to drop, assuming they have a clean driving history.

The most favorable rates are often given to drivers in their 50s and early 60s. Insurance providers use age as a way to evaluate driving experience and risk, which directly impacts the cost of coverage.

Age Average Yearly Rate
Teenagers $3,360
20s $2,796
30s $1,680
40s $1,740
50s $1,608
60s $1,380
70s $1,440

Average Rates In Surprise- By Vehicle

The type of car you drive has a major impact on your insurance premiums. Insurance companies consider factors like the make, model, year, and body style of your vehicle. Generally, newer cars, especially luxury models with advanced features and higher repair or replacement costs, come with higher insurance rates.

The table below shows the average insurance rates in Surprise for various vehicles.

Vehicle Average Monthly Rate
Honda Civic $450
Honda Hr-V $330
Chevrolet Traverse $211
Toyota Corolla $95
Ford Explorer $239

How Much Is Car Insurance In Other Cities in Arizona?

Where you live has a big impact on your car insurance rates. Insurance companies look at factors like the likelihood of accidents, theft, and vandalism in your area, which are usually more common in cities. This increased risk leads to higher premiums.

For instance, drivers in Scottsdale typically pay about $145 per month for insurance, while those in Tucson have an average rate of $133 per month.

City Average Monthly Rate
Scottsdale $145
Tucson $133
Yuma $114
Tempe $167
Gilbert $170
Glendale $176
Chandler $152
Mesa $155
Peoria $165
Phoenix $184

Average Cost Of Auto Insurance In Surprise- By Zip Code

Zip codes are used by insurers to assess crime rates in your area, which can affect your car insurance rates. As a result, each zip code may have different insurance costs.

The table below shows the average insurance rates for various zip codes in Surprise.

Zip Code Average Monthly Rate
85388 $146
85354 $122
85374 $147
85378 $135
85379 $168

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Our Methodology

Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Surprise, AZ.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

FAQs

Who has the lowest car insurance rates in Surprise?

In Surprise, Mercury provides the most affordable car insurance for the state’s minimum required coverage, while Root offers the best rates for full coverage, including comprehensive and collision protection.

What is the average cost of car insurance in Surprise?

In Surprise, the typical car insurance cost is around $115 per month. However, rates can differ depending on factors like your zip code, car’s make and model, driving history, and more.

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