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.

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Updated: 03 May 2024
Written by Bob Phillips
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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

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.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

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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