Buy Cheap Surprise, AZ Auto Insurance (2021)

Surprise, AZ auto insurance rates average $337 a month. Minimum auto insurance requirements in Surprise, Arizona are 15/30/10 to comply with Arizona laws. To buy cheap auto insurance in Surprise, AZ, compare Surprise auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Surprise is Farmers
  • The most expensive auto insurance company in Surprise after a DUI is American Family
  • Average auto insurance rates in Surprise, AZ after a DUI are $4,751/year

Finding affordable Surprise, Arizona auto insurance can be challenging, but everything you need to know to buy cheap Surprise, AZ auto insurance with confidence is right here. Auto insurance rates in Surprise are affected by local factors as well as personal ones like your driving record.

See how Surprise, AZ car insurance rates compare to Gilbert auto insurance rates, Tucson auto insurance rates, and Chandler auto insurance rates before you read more about the cost of auto insurance in Surprise.

Don’t buy Surprise, AZ auto insurance until you’ve compared rates. Get free Surprise, Arizona auto insurance quotes when you enter your ZIP code above.

Surprise, AZ Minimum Auto Insurance Requirements

The required auto insurance in Surprise, AZ is 15/30/10 according to the auto insurance laws in Arizona. The minimum auto insurance in Surprise, Arizona is outlined here.

Minimum Required Auto 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

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Find Cheap Surprise, AZ Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Surprise, AZ. Take a look at Surprise, Arizona auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Surprise, AZ Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Surprise, Arizona auto insurance rates? Find out how car insurance rates in Surprise, AZ are impacted by demographics.

Annual Auto 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

Buy Cheap Surprise, AZ Auto Insurance for Teen Drivers

Auto insurance for teenagers in Surprise can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Surprise, AZ are listed here.

Annual Auto 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

Buy Cheap Surprise, AZ Auto Insurance for Seniors

You can save on senior auto insurance rates in Surprise, Arizona by comparing Surprise senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Surprise, AZ here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Surprise, AZ by Coverage Level

The amount of coverage you choose is a big factor in the cost of Surprise, Arizona auto insurance. Compare Surprise, AZ auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap Surprise, AZ Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Surprise. Compare auto insurance rates in Surprise, AZ by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Surprise, AZ Auto Insurance Rates by ZIP Code

Auto insurance rates in Surprise, Arizona can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Surprise, AZ to see how much where you live in Surprise affects the cost of car insurance.

Annual Auto 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

Find Cheap Surprise, AZ Auto Insurance Rates by Driving Record

Auto insurance rates in Surprise, Arizona are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Surprise, AZ, take a look at the average cost for various violations versus rates for a clean driving record in Surprise.

Annual Surprise, Arizona Auto 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

Find Cheap Surprise, AZ Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Surprise, Arizona is higher than for a clean driving record. You can buy auto insurance after a DUI in Surprise for less when you shop around and compare rates from multiple Surprise, AZ auto insurance companies.

Annual Auto Insurance Rates After a DUI in Surprise, Arizona

Insurance Company Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in Surprise, AZ

Compare rates from the cheapest auto insurance companies in Surprise, AZ for your needs. Take a look at how Surprise, Arizona auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Surprise, Arizona Auto Insurance Companies

If you’re looking for the cheapest Surprise, AZ auto insurance companies overall, you can compare them here. Find the best price for Surprise, Arizona car insurance by company.

Average Annual Auto 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

What affects Surprise, Arizona auto insurance rates?

Local factors affect auto insurance rates in Surprise, AZ, including traffic, theft statistics, and commute length. Take a look at the things that impact Surprise auto insurance rates.

Auto Theft in Surprise

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Surprise, AZ auto theft show a total of 192 vehicle thefts annually.

Commute Times in Surprise

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Surprise, AZ is 30.4 minutes according to City-Data.

Traffic in Surprise

How is traffic in Surprise, Arizona? Inrix data shows that Surprise, AZ traffic makes it the 899th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Surprise, AZ

You can buy cheap Surprise, AZ auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Surprise, Arizona auto insurance quotes from top companies.

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