Surprise's average full coverage car insurance costs $122 per month, ranging from $118 to $339. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Surprise, AZ, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Surprise: Key Takeaways
Mercury, Root, Auto-Owners and State Farm are among Surprise's most affordable car insurance providers.
Root offers the cheapest full coverage car insurance in the city, with rates starting at $76 per month. Mercury has the lowest minimum coverage rate at $39.
On average, car insurance costs are $62 monthly for minimum coverage and $122 for full coverage.
Car Insurance Quotes in Surprise, AZ
| Young Drivers | $76 | $155 |
| Teens | No Data | $339 |
| Seniors | $60 | $118 |
| Drivers With an Accident | $93 | $191 |
| Drivers With a Speeding Ticket | $77 | $158 |
| Drivers With a DUI | $98 | $199 |
| Bad Credit | $145 | $314 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Surprise vs. State Average
Arizona
State Average Full Coverage Rate
$1,530
Surprise, AZ
City Average Full Coverage Rate
$1,458Surprise Car Insurance is Cheap:$72 saved
This is 5% less expensive.
What Is the Average Car Insurance Rate in Surprise?
Surprise's average cost of full car insurance coverage is $1,458 per year, while minimum coverage is $744. These rates are lower than Arizona's averages of $1,530 and $765, respectively.
| State Average | $765 | $1,530 |
| Surprise Average | $744 | $1,458 |
Cheapest Car Insurance Companies in Surprise
Even with rising premiums in Arizona, you can find affordable car insurance in Surprise. Mercury offers the cheapest minimum coverage at $39 per month. Root has the best rate for full coverage at $76.
WHY CAR INSURANCE IN SURPRISE IS CHEAPER
Car insurance in Surprise tends to cost less because of its suburban setting, low population and light traffic, which lower accident risks. The city’s low crime rates, including fewer vehicle thefts, and mild weather reduce claims from natural disasters. Affordable repair and living costs also help keep premiums low.
Cheap Car Insurance in Surprise
Mercury often offers the cheapest minimum coverage in Surprise, but rates vary by driver. The best way to find affordable car insurance is by comparing quotes from several providers. Below is a table with the lowest rates for different driver profiles.
| Mercury | Minimum Coverage | $39 |
| Root | Full Coverage | $76 |
| Auto-Owners | Teens | $170 |
| Root | Young Adults | $64 |
| State Farm | Seniors | $59 |
| Root | Bad Credit | $82 |
| Root | Drivers With a DUI | $71 |
| State Farm | Drivers With an Accident | $79 |
| Auto-Owners | Drivers With a Speeding Ticket | $66 |
Car Insurance Rates in Surprise by Company
Compare multiple providers to find the cheapest car insurance companies. Below, we explain the most affordable minimum and full coverage options in Surprise.
Cheapest Car Insurance Companies for Minimum Coverage in Surprise
Mercury offers the cheapest minimum coverage auto insurance in Surprise at $39 per month, followed closely by State Farm at $40. The table below breaks down the affordable options.
| Mercury | $39 | $23 |
| State Farm | $40 | $22 |
| Auto-Owners | $45 | $17 |
| Progressive | $50 | $12 |
| Root | $52 | $10 |
| GEICO | $52 | $10 |
| Travelers | $53 | $9 |
| Hartford | $57 | $5 |
| Allstate | $58 | $4 |
| Farmers | $60 | $2 |
| Iowa Farm Bureau | $61 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Surprise
Root offers the cheapest full coverage car insurance in Surprise at $76 monthly. Below is the full list of providers and their rates.
| Root | $76 | $46 |
| Auto-Owners | $87 | $34 |
| State Farm | $88 | $34 |
| Progressive | $94 | $28 |
| Travelers | $95 | $27 |
| GEICO | $98 | $23 |
| Hartford | $103 | $19 |
| Farmers | $113 | $9 |
| Iowa Farm Bureau | $116 | $6 |
| Mercury | $117 | $4 |
| Allstate | $118 | $4 |
| COUNTRY Financial | $121 | $0 |
Car Insurance Companies in Surprise
Root offers the cheapest car insurance in Surprise at $766 annually. Auto-Owners is the best affordable provider, with a MoneyGeek score of 88 out of 100 and a rate of $791. Check the table below for more options.
| Auto-Owners | 88 | $791 |
| State Farm | 84 | $767 |
| Mercury | 83 | $937 |
| Travelers | 78 | $884 |
| GEICO | 76 | $906 |
| Progressive | 76 | $862 |
| COUNTRY Financial | 75 | $1,125 |
| Nationwide | 75 | $1,155 |
| Farmers | 73 | $1,036 |
| Allstate | 73 | $1,058 |
| Hartford | 73 | $961 |
| CSAA | 60 | $1,904 |
| The General | 40 | $2,312 |
| Iowa Farm Bureau | No Data | $1,057 |
| Root | No Data | $766 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Surprise by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates in Surprise, averaging $1,458 per year for 40-year-olds and $1,420 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $2,617 | $-534 |
| 17 | $2,519 | $-436 |
| 18 | $2,288 | $-205 |
| 19 | $1,947 | $136 |
| 20 | $1,996 | $87 |
| 21 | $1,637 | $446 |
| 22 | $1,638 | $445 |
| 23 | $1,694 | $389 |
| 24 | $1,602 | $481 |
| 25 | $1,855 | $-209 |
| 40 | $1,458 | $187 |
| 65 | $1,420 | $226 |
Cheapest Car Insurance for Teens in Surprise
Travelers offers the cheapest overall car insurance for teens in Surprise, with a monthly rate of $129, saving $66 compared to the state average. The table below breaks down more affordable providers for this age group.
| Travelers | $129 | $66 | $210 |
| Auto-Owners | $164 | $32 | $170 |
| GEICO | $171 | $24 | $254 |
| State Farm | $174 | $21 | $216 |
| Farmers | $195 | $0 | $580 |
| Nationwide | $202 | $-7 | $512 |
| Progressive | $202 | $-7 | $489 |
| Allstate | $324 | $-129 | $283 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Surprise
State Farm offers the lowest monthly minimum coverage rate, $49, for young drivers in Surprise. Root is the most affordable full coverage provider at $76. Explore the table below to compare affordable options across different driver profiles.
| State Farm | Minimum Coverage | $49 |
| Root | Full Coverage | $76 |
| Root | Bad Credit | $82 |
| Root | Drivers With a DUI | $72 |
| Root | Drivers With an Accident | $80 |
| Root | Drivers With a Speeding Ticket | $80 |
Cheapest Car Insurance Companies for Young Drivers in Surprise
Root offers the most affordable auto insurance for young drivers in Surprise at $64 monthly. The table below shows other companies with competitive rates.
| Root | $64 | $51 |
| Travelers | $73 | $42 |
| State Farm | $80 | $35 |
| Progressive | $88 | $27 |
| Auto-Owners | $89 | $26 |
| GEICO | $96 | $19 |
| Allstate | $101 | $14 |
| Farmers | $105 | $11 |
| COUNTRY Financial | $106 | $10 |
| Iowa Farm Bureau | $106 | $9 |
| Hartford | $107 | $9 |
| Mercury | $115 | $0 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage plans.
Best Car Insurance Rates for Seniors in Surprise
COUNTRY Financial and State Farm offer the most affordable car insurance options for seniors in Surprise. Below is a table showing the cheapest providers for different driver and coverage profiles.
| COUNTRY Financial | Minimum Coverage | $27 |
| State Farm | Full Coverage | $80 |
| Root | Bad Credit | $87 |
| State Farm | Drivers With a DUI | $67 |
| State Farm | Drivers With an Accident | $73 |
| Auto-Owners | Drivers With a Speeding Ticket | $64 |
Cheapest Car Insurance for Seniors in Surprise
State Farm offers the cheapest monthly premium for seniors, $59, for minimum and full coverage plans. Auto-Owners follows at $64. The table below shows the top car insurance providers for seniors in Surprise.
| State Farm | $59 | $30 |
| Auto-Owners | $64 | $25 |
| Travelers | $66 | $23 |
| COUNTRY Financial | $68 | $21 |
| Root | $69 | $21 |
| Hartford | $70 | $19 |
| Progressive | $71 | $18 |
| Mercury | $79 | $10 |
| GEICO | $80 | $9 |
| Iowa Farm Bureau | $83 | $6 |
| Farmers | $86 | $3 |
| Nationwide | $88 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage plans.
Car Insurance Cost for High-Risk Drivers in Surprise
High-risk drivers in Surprise pay less for car insurance than the state averages. Annual rates are $1,072 for minimum coverage and $2,193 for full coverage, compared to $1,126 and $2,277 statewide. Drivers with bad credit and DUIs face the highest rates, while accidents and speeding tickets have a smaller effect on costs.
| Surprise Average | $1,072 | $2,193 |
| State Average | $1,126 | $2,277 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers typically consider minor driving incidents for three to five years. For serious offenses like a DUI, the timeline extends significantly, often up to 10 years, and you might need to file an SR-22 to meet Arizona's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Surprise
State Farm offers the cheapest minimum coverage for drivers with a DUI in Surprise at $552 per year. Root provides the most affordable full coverage policy at $1,008. Check out the table below for more low-cost coverage options.
| State Farm | $46 | $98 |
| Progressive | $55 | $108 |
| COUNTRY Financial | $56 | $184 |
| Root | $58 | $84 |
| Travelers | $61 | $119 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Surprise
State Farm, COUNTRY Financial and Travelers offer the cheapest auto insurance after an at-fault accident in Surprise. The table below shows various providers offering affordable coverage.
| State Farm | $51 | $107 |
| COUNTRY Financial | $55 | $177 |
| Travelers | $60 | $114 |
| Root | $65 | $94 |
| Auto-Owners | $69 | $128 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Surprise
Auto-Owners is the cheapest car insurance provider for drivers with speeding tickets in Surprise, offering minimum coverage at $45 per month and full coverage at $87. Check the table below to see how much other providers charge drivers with speeding tickets.
| Auto-Owners | $45 | $87 |
| State Farm | $46 | $98 |
| COUNTRY Financial | $55 | $160 |
| Travelers | $56 | $108 |
| Progressive | $62 | $126 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Surprise
Mercury offers the most affordable rates for drivers with bad credit in Surprise, with minimum coverage at $55 monthly. Root provides the cheapest full coverage at $97. Check the table below for more low-cost options.
| Mercury | $55 | $177 |
| Travelers | $61 | $112 |
| Root | $66 | $97 |
| Progressive | $72 | $153 |
| Nationwide | $80 | $160 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Surprise, AZ
Arizona requires each city to follow statewide mandates for car insurance minimums. Your policy must include at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
For example, if you're in a fender bender, your minimum coverage should help cover the other driver's car repairs up to $15,000.
Cheap Car Insurance in Surprise: Bottom Line
Mercury offers the cheapest minimum coverage in Surprise at $39 a month. Root provides affordable full coverage options starting at $75, regardless of age or credit. Arizona law requires specific coverages, so compare providers to find the best price while staying financially protected.
Surprise Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Surprise.
What is the cheapest car insurance company in Surprise, AZ?
Mercury offers the cheapest car insurance in Surprise, Arizona. Minimum coverage starts at just $39 per month, saving customers $23 monthly.
What is the best car insurance company in Surprise, AZ?
Auto-Owners is the best cheap car insurance provider in Surprise, Arizona, with a MoneyGeek score of 88 out of 100. Minimum coverage costs $791 annually.
How much does car insurance cost on average in Surprise, AZ?
Surprise's car insurance rates for minimum coverage range from $60 to $145 per month.
Best Cheap Car Insurance in Surprise: Our Methodology
MoneyGeek analyzed Surprise auto insurance prices using data from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services.
Surprise Driver Profile
To assess the best and most affordable auto insurance options for Surprise residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Surprise
In assessing the car insurance quotes for Surprise, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Arizona's minimum coverage requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability. Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Surprise providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Surprise
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Surprise for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more detail on our analysis, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.