Cheapest Car Insurance Quotes In Surprise, AZ For 2024
Auto-Owners is recognized as the most affordable option in Surprise, with an average rate of $25 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, options can vary significantly, but one company, Auto-Owners, stands out for its competitive rates. On average, residents can obtain car insurance for about $25 per month, which is notably lower than the state’s average of $120.
For those interested in the most economical liability-only coverage, Auto-Owners emerges as the top choice. Meanwhile, drivers seeking more comprehensive protection find that Auto-Owners offers the best rates for full coverage policies, priced at $47 a month. Additionally, Travelers provides the most affordable rates for young drivers, coming in at $100 per month.
Cheapest Car Insurance Companies In Surprise, AZ
Our Methodology
Utilizing a comprehensive analysis that considers multiple aspects such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experiences, I've developed an in-depth understanding of the landscape of car insurance providers in Surprise, AZ. This perspective is informed by over 15 years of personal involvement in the industry as a licensed insurance agent. It's shaped by numerous interactions with representatives from different companies and insights acquired through firsthand experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
How Much Is Car Insurance In Surprise, AZ?
Auto-Owners provides the most affordable car insurance in Surprise, AZ, with coverage available for $123 per month.
Comparatively, its rates are significantly lower than the average rates in both the State of Arizona and the entire United States, as illustrated in the table below:
| Area | Average Monthly Rate |
| National | $152 |
| Arizona | $120 |
| Surprise, AZ | $123 |
It’s important to consider that the average national cost incorporates both high-cost states (like New York, New Jersey, and California) and low-cost states (such as Mississippi, Kentucky, and Wyoming). Rates vary by location due to several factors, including vehicle type, coverage amount, zip code, driving record, and more.
Cheapest Car Insurance Rates In Surprise For Minimum Coverage
Auto-Owners stands out as the most affordable car insurance company for minimum coverage in Surprise, with an average monthly cost of $25.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $37 | $439 |
| Auto-Owners | $25 | $298 |
| Mercury | $43 | $514 |
| State Farm | $48 | $574 |
| Farmers | $49 | $581 |
The minimum car insurance policy should include at least the following coverage:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $10,000 for property damage per accident
Having minimum car insurance offers you some protection while driving, but it doesn’t include collision or comprehensive insurance. This means damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.
Driving without insurance is illegal in Arizona. If you can’t provide proof of insurance during a traffic stop, you may face penalties ranging from fines to license suspension or worse consequences.
Cheapest Car Insurance Rates In Surprise For Full Coverage
Auto-Owners offers the most affordable car insurance rates for full coverage in Surprise, with average quotes around $47 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $47 | $562 |
| GEICO | $95 | $1,141 |
| Mercury | $103 | $1,238 |
| Nationwide | $110 | $1,314 |
| Country Financial | $111 | $1,326 |
Full coverage car insurance provides comprehensive protection beyond the basic coverage mandated by law. It typically combines comprehensive and collision coverages.
Comprehensive coverage protects against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage ensures financial protection for vehicle damages resulting from accidents, regardless of fault.
Cheapest Car Insurance Rates In Surprise For Seniors
Auto-Owners offers the most affordable car insurance rates for seniors in Surprise, with average quotes around $87 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $87 | $1,040 |
| GEICO | $92 | $1,095 |
| Progressive | $93 | $1,107 |
| Mercury | $101 | $1,213 |
| Allstate | $104 | $1,249 |
In Arizona, numerous seniors may discover favorable car insurance rates influenced by various beneficial factors. While age often plays a role in insurance rate determinations, with older age sometimes associated with decreased driving ability, this stereotype doesn’t apply universally.
Cheapest Car Insurance Rates In Surprise For Teenagers
Teenage drivers in Surprise can secure the most affordable quotes from Travelers, with average monthly premiums of $164.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $269 | $3,228 |
| GEICO | $196 | $2,352 |
| Progressive | $245 | $2,946 |
| Travelers | $164 | $1,966 |
| Allstate | $380 | $4,591 |
Teenage drivers often face the most expensive car insurance premiums, and this is predominantly due to their inexperience behind the wheel. Insurance providers consider these young motorists to be a high-risk category because they are statistically more prone to be involved in accidents and commit traffic infractions.
Cheapest Car Insurance Rates In Surprise For Young Adults
Travelers provides the most affordable quotes for young adults in Surprise, with rates averaging around $100 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $115 | $1,378 |
| GEICO | $105 | $1,205 |
| CSAA | $257 | $3,020 |
| Allstate | $127 | $1,522 |
| Travelers | $100 | $1,198 |
In Arizona, young adult drivers generally enjoy lower car insurance rates compared to their teenage counterparts. This difference in pricing is attributed to the maturation of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.
Statistics indicate that young adults are less likely to file claims with insurance companies, reflecting a reduction in accident involvement. Consequently, insurers adjust premiums downward, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Surprise For Good Drivers
In Surprise, good drivers can discover the most affordable car insurance quotes from Auto-Owners, averaging around $25 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $37 | $439 |
| Auto-Owners | $25 | $298 |
| Mercury | $43 | $514 |
| State Farm | $48 | $574 |
| Farmers | $49 | $581 |
Drivers with clean driving records in Surprise typically receive lower car insurance rates because they are perceived as lower risk. Insurance companies use driving records to assess how safely a person drives. Fewer incidents, such as accidents or traffic violations, suggest that the driver is cautious and less likely to file a claim.
Since insurers base their rates on the likelihood of a driver making a claim, a spotless driving record can result in significant savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.
Cheapest Car Insurance Rates In Surprise For Drivers With Prior Incidents
In Surprise, drivers with records of traffic violations, including accidents, speeding tickets, or DUIs, often encounter challenges in obtaining affordable car insurance. These driving infractions lead insurance companies to classify them as high-risk drivers, anticipating a greater likelihood of filing future insurance claims.
As a result, insurance providers increase their rates for these individuals to offset the risk of potentially higher claim payouts.
Cheapest Car Insurance Rates In Surprise For Drivers With A Speeding Ticket
Auto-Owners provides very competitive rates compared to other companies, with average premiums of $75 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $75 | $898 |
| Travelers | $105 | $1,258 |
| Geico | $90 | $1,078 |
| Allstate | $190 | $2,278 |
| Progressive | $138 | $1,654 |
Cheapest Car Insurance Rates In Surprise For Drivers With An At-Fault Accident
Auto-Owners offers the most affordable car insurance quotes for drivers with an at-fault incident, boasting an average rate of $110 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $110 | $1,318 |
| Travelers | $112 | $1,342 |
| Geico | $115 | $1,378 |
| Progressive | $158 | $1,894 |
| Allstate | $173 | $2,074 |
Cheapest Car Insurance Rates In Surprise For Drivers After A DUI
State Farm stands out as the company offering the most affordable rates for drivers with a DUI in Surprise, with average monthly premiums of $103.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $103 | $1,234 |
| Nationwide | $269 | $3,286 |
| Progressive | $115 | $1,378 |
| Geico | $170 | $2,038 |
| Allstate | $212 | $2,542 |
Best Car Insurance Companies In Surprise
When selecting a car insurance company in Surprise, it’s essential to consider both affordable rates and reliable protection on the road. Below are the top 10 car insurance companies in Surprise, AZ, ranked by the average monthly rate they offer:
| Company | Monthly Premium |
| Clearcover | $83 |
| Mercury | $140 |
| AssuranceAmerica Protect | $93 |
| USAA | $101 |
| ACCC | $101 |
| Ameriprise Group | $103 |
| Mercury | $147 |
| Farm Bureau | $138 |
| American Family | $118 |
| State Farm | $120 |
Average Car Insurance Rates By Age In Surprise
| Age | Average Yearly Rate |
| Teenagers | $2,940 |
| 20s | $1,800 |
| 30s | $1,176 |
| 40s | $1,032 |
| 50s | $960 |
| 60s | $960 |
| 70s | $1,080 |
Age significantly influences car insurance rates. Typically, younger drivers, particularly teens and young adults, encounter higher insurance premiums due to their inexperience and statistically higher likelihood of accidents and traffic violations. As drivers approach the age of 25, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most favorable insurance rates are often available for drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thereby adjusting the cost of premiums accordingly.
Average Car Insurance Rates By Vehicle Type In Surprise
| Vehicle | Average Monthly Rate |
| Toyota Corolla | $120 |
| Dodge Durango | $115 |
| Honda Cr-V | $104 |
| Chevrolet Silverado | $92 |
| Honda Civic | $58 |
The type of vehicle you drive significantly affects your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly impact the potential cost of claims – for example, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.
How Much Is Car Insurance For Other Cities In Arizona?
| City | Average Monthly Rate |
| Scottsdale | $118 |
| Sedona | $83 |
| Maricopa | $110 |
| Tempe | $130 |
| Gilbert | $135 |
| Glendale | $140 |
| Chandler | $120 |
| Mesa | $123 |
| Peoria | $132 |
| Phoenix | $141 |
The city where you live has a significant impact on your car insurance rates. Insurance companies evaluate various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which are typically higher in urban areas. This increased risk often results in higher premiums.
FAQs
Who has the lowest car insurance rates in Surprise?
In Surprise, the lowest car insurance rates are offered by Auto-Owners for both the minimum coverage required by the State of Arizona and full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Surprise?
The average cost of car insurance in Surprise is approximately $123 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.
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