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.
We’ve saved shoppers an average of $600 per year on their car insurance.
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 |
Find Affordable Surprise Rates
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 |
Find Affordable Surprise Rates
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.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
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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