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Cheapest car insurance in Surprise, Arizona (Nov 2024)
Cheapest car insurance in Surprise, Arizona (Nov 2024)
Compare 55+ insurance companies including Progressive, AAA, Travelers, Nationwide (and more!) to find the best and cheapest car insurance in Surprise, Arizona.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Surprise
- Best car insurance companies in Surprise
- Best cheap car insurance quotes in Surprise
- Average cost of car insurance in Surprise
- Car insurance quotes in Surprise by rating factors
- How do different factors impact your car insurance costs in Surprise?
- How to lower car insurance costs in Surprise
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Surprise
On average, car insurance in Surprise costs $97 per month for minimum liability coverage, or about $189 per month for full-coverage insurance. Surprise drivers pay 16% less than National the average.
Smart car insurance shoppers in Surprise, Arizona turn to Jerry every month, because Jerry makes it easy for customers to
compare and purchase affordable car insurance
. Below are some of the cheapest car insurance quotes Jerry found for customers in Surprise. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $323 | Blanche, 49 Zip: 85387 | Chevrolet Equinox Premier | • State Minimum Liability • Comp / Collision |
| Travelers | $179 | Lela, 40 Zip: 85388 | Ford Explorer Limited | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $244 | Patrick, 60 Zip: 85379 | Chevrolet Silverado K1500 Custom | • 100,000/300,000 Liability • Comp / Collision |
| Allstate | $101 | Dorothy, 47 Zip: 85379 | Ford Ecosport SE | • State Minimum Liability • Comp / Collision |
| Bristol West | $192 | Eula, 37 Zip: 85374 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024Best car insurance companies in Surprise
The five largest insurers in Arizona are State Farm, Berkshire Hathaway (i.e. GEICO), Progressive, Farmers, and Liberty Mutual—but biggest doesn’t always mean best.
When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone. Aside from the cost, you’ll also want to consider factors such as claims handling and customer service when choosing a company.
To help drivers better compare the best and cheapest car insurance companies in Arizona, Jerry conducted the largest insurance survey in the nation. According to our results, smaller insurers actually received the highest ratings from Arizona drivers: companies like American Family, Auto-Owners, Gainsco, Commonwealth, and The Hartford.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| USAA | 4.8 | 4.3 | N/A | 4.8 |
| Progressive | 4.4 | 4 | 4.2 | 4.5 |
| Geico | 3.9 | 3.3 | 4.5 | 4 |
| State Farm | 3.6 | 3.6 | 2.3 | 4.8 |
| Farmers | 3.5 | 3.3 | 4.3 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Surprise
To legally hit the road, Surprise drivers need to meet Arizona’s minimum coverage limits for bodily injury liability and property damage liability. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Surprise should consider purchasing full coverage for the best protection.
Cheap minimum liability insurance quotes in Surprise
Minimum liability coverage in Arizona means at least $25,000 of
bodily injury liability coverage
per person, $50,000 of bodily injury liability coverage per accident, and $15,000 of property damage liability
coverage per accident. These coverages are commonly referred to as 25/50/15 coverage. With this basic liability coverage, you’ll be protected up to your policy’s limits in the event that you are responsible for injuries or property damage while driving.
Here are some examples of Surprise car owners that Jerry has assisted with obtaining minimum liability coverage.
Victor (36 years old)
$117
per month
Eleanor (40 years old)
$164
per month
Derrick (50 years old)
$113
per month
Do you need more than minimum coverage in Surprise?
Legally, drivers in Surprise don’t need to carry more than the minimum liability coverage mandated by
Arizona’s car insurance laws
—but financially, many drivers may want to. In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/15 limit, especially if you cause serious injuries to another person. Once you’ve hit your liability coverage limits, your auto insurance policy won’t pay extra—meaning you could be responsible for paying the difference out of pocket.
You should also keep in mind that
Arizona’s car accident laws
allow drivers to file personal injury lawsuits for up to two years following a car accident—so your liability extends long past the initial incident! The bottom line: Consider raising your coverage level if you can afford it—a 50/100/30 liability insurance policy offers better financial protection than the minimum.
Cheap full coverage car insurance quotes in Surprise
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your own vehicle. A full-coverage car insurance policy typically includes
collision coverage
and comprehensive coverage
, in addition to your state’s minimums. Collision coverage protects you from repair costs associated with hitting another vehicle or a stationary object, while comprehensive coverage protects you from vandalism, theft, and non-collision damage. Lease and financing agreements often require you to carry both collision and comprehensive coverage. On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Check out the table below to see what real Jerry drivers pay for various levels of coverage:
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $323 | Blanche, 49 Zip: 85387 | Chevrolet Equinox Premier |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $179 | Lela, 40 Zip: 85388 | Ford Explorer Limited |
• State Minimum Liability • Comp / Collision | Allstate | $101 | Dorothy, 47 Zip: 85379 | Ford Ecosport SE |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $244 | Patrick, 60 Zip: 85379 | Chevrolet Silverado K1500 Custom |
• State Minimum Liability • Comp / Collision | Clearcover | $184 | Harold, 34 Zip: 85374 | Nissan Altima 2.5 |
Last Updated Nov 20, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry,
a top insurance agency
, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Surprise
Based on Jerry’s work finding the best car insurance for drivers in Surprise, we’ve found that the average annual cost minimum liability coverage is $1,164 each year. That works out to about $97 per month. For full coverage, Surprise drivers typically pay $2,263 per year or $189 per month.
While average insurance rates can help you predict your own insurance costs, it's important to note that every driver's insurance premium is calculated differently.
Car insurance companies look at many different factors when
calculating your annual premiums
, including your demographics, driving record, and discount eligibility—so your actual costs may vary significantly from the state average.Average cost of car insurance in Surprise by zip code
Even within the same city, car insurance rates can still vary. That’s because the rate of car accidents, auto theft, and other incidents can differ between neighborhoods—and areas that experience higher rates are consequently considered higher risk.
As a result, drivers living in these neighborhoods could face higher premiums than drivers in other areas of the city
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
85374 | $79 | $143 |
85378 | $119 | $176 |
85379 | $89 | $164 |
85387 | $111 | $176 |
85388 | $88 | $161 |
Compare car insurance costs in other states
Car insurance quotes in Surprise by rating factors
Insurance companies in Surprise use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Accidents, tickets, or other traffic violations on yourdriving recordcould result in above-average auto insurance rates.
- Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
- Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage cost more for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.
How do different factors impact your car insurance costs in Surprise?
How do different factors impact your car insurance costs in Surprise?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Arizona currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Surprise:
Cheap car insurance quotes in Surprise after driving violations
Violations on your record hurt your car insurance rates.
Violations drive up the cost of your annual premiums, especially if you have serious infractions on your record. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Surprise after speeding ticket
In Surprise, a speeding ticket could increase your car insurance rate.
Jerry is proud to help drivers with varying speeding tickets save on car insurance.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Dairyland | $124 | Cole, 50 Zip: 85387 | Jeep Grand Cherokee Laredo | • State Minimum Liability |
Speeding 11-15 | Bristol West | $130 | Addie, 54 Zip: 85374 | Hyundai Santa FE SEL | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Progressive | $106 | Paul, 32 Zip: 85387 | Honda Civic Touring | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheapest car insurance in Surprise after DUI
Driving with a blood-alcohol level of 0.08% or higher violates
Arizona’s DUI laws
. A DUI conviction comes with a maximum sentence of $1,480 in fines, 10 consecutive days in jail, and a driver’s license suspension of 90 days. Your auto insurance rates will be similarly affected. The good news is, Jerry has helped many drivers in Surprise obtain affordable auto insurance rates after a DUI.
Agnes (41 years old)
$203
per month
Clearcover
Iva (27 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Surprise, AZ (Zip Code: 85388)
$154
per month
Cheapest car insurance in Surprise after an at-fault accident
It takes a few mistakes to become a good driver. An at-fault accident might tarnish your
clean driving record
, but it’ll clear up eventually. In the meantime, don’t feel you have to stick with a car insurance company that penalizes you needlessly with sky-high insurance rates.Jerry users found companies willing to work with them and their driving history while offering them savings.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $189 | Jessie, 29 Zip: 85388 | KIA Soul | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $83 | Sophie, 37 Zip: 85379 | Dodge Grand Caravan SE | • State Minimum Liability • Comp / Collision |
Not At Fault | Travelers | $128 | Thomas, 43 Zip: 85379 | Dodge Challenger SRT Hellcat Redeye | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Allstate | $90 | Clyde, 28 Zip: 85379 | Honda Accord LXP | • State Minimum Liability |
Last Updated Nov 21, 2024Cheapest car insurance in Surprise after other driving violations
Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry has helped other Surprise drivers find cheap car insurance despite previous violations.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $304 | Emma, 23 Zip: 85374 | Infiniti M35 | • 50,000/100,000 Liability • Comp / Collision |
Defective Equipment | Nationwide | $279 | Dale, 23 Zip: 85379 | Jeep Patriot Sport | • State Minimum Liability • Comp / Collision |
Failure to Yield | Safeco | $124 | Stella, 26 Zip: 85379 | Toyota Scion FR-S | • State Minimum Liability |
Failure to Yield | Clearcover | $84 | Marie, 26 Zip: 85379 | Toyota Scion FR-S | • State Minimum Liability |
Improper Passing | Gainsco | $249 | Jesse, 26 Zip: 85374 | Toyota RAV4 Limited | • State Minimum Liability • Comp / Collision |
Last Updated Nov 17, 2024Cheap car insurance quotes in Surprise by age
The golden years for cheap car insurance fall between the ages of 25 and 75. By that time, teen drivers have gained the experience they need to drive safely—and the income to pay their bills.
Cheapest car insurance in Surprise for young drivers
Teen drivers aged 16 to 19 are most likely to be involved in an accident. This risk—coupled with a limited driving and insurance history—means that teen drivers pay the highest premiums of any age group.
And since it’s illegal for anyone to sign a car insurance contract before turning 18, they’ll need to be added to someone else's policy.
Nell (21 years old)
$335
per month
Clearcover
Mabel (23 years old)
$119
per month
Alice (24 years old)
$227
per month
Cheapest car insurance in Surprise for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
As a result, car insurance rates start to rise once more when drivers enter their mid-70s.
Erik (76 years old)
$160
per month
Sara (72 years old)
CoverageState Minimum
Surprise, AZ (Zip Code: 85378)
Mercury Montego Premier$167
per month
Cheap car insurance quotes in Surprise based on insurance history
Another factor that can impact your rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in coverage
usually leads to an increase in car insurance rates.Jerry sends payment reminders to our customers, to help ensure timely insurance payments and prevent coverage lapses. We can also help uninsured or previously lapsed customers find savings on new auto insurance policies.
Alberta (63 years old)
$114
per month
Isabelle (39 years old)
$164
per month
Grace (43 years old)
$278
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Found the most coverage for the best price.
Marco
Great company.
Christopher
Saved me $100 a month!
Jennah
Great price and amazing coverage!
Athena
Cheap car insurance quotes in for drivers with poor credit
drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Here’s how drivers with low credit scores saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $273 | Jeremy, 28 Zip: 85379 | Chevrolet Trax LS | • State Minimum Liability • Comp / Collision |
660 - 750 | Safeco | $192 | Herbert, 26 Zip: 85374 | Honda Civic LX | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Mercury | $218 | Samuel, 26 Zip: 85374 | Honda Civic LX | • State Minimum Liability • Comp / Collision |
550 - 659 | Gainsco | $204 | Belle, 65 Zip: 85374 | Ford Freestyle Limited | • State Minimum Liability • Comp / Collision |
< 550 | Progressive | $185 | Bradley, 53 Zip: 85374 | Ford Fusion SE | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheap car insurance quotes in Surprise for popular cars
The kind of car you drive plays a central role in determining your annual premiums.
High safety ratings and robust vehicle anti-theft security systems make your car safer to drive, harder to steal, and cheaper to insure. But a luxury interior, rare badges, or sophisticated technology cost more to repair, so auto insurance companies charge you more to insure.
Popular car models in Surprise include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 SLT | Bristol West | $139 | Leo, 55 Zip: 85374 | • State Minimum Liability • Comp / Collision |
| Toyota RAV4 XLE | Progressive | $100 | Louisa, 35 Zip: 85379 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024How to lower car insurance costs in Surprise
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers.
Commonly available discounts
include: - Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.
- Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
- Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.
- Bundling discounts:Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.
FAQ
Who has the cheapest car insurance in Arizona?
We discovered that in AZ, some of the cheapest minimum liability coverage costs come from companies like Travelers ($33/month), Mapfre ($36/month), Assurance America ($38/month), and Nationwide ($41/month).
However, it’s important to remember that these quotes are average costs. Car insurance rates can fluctuate widely between motorists due to every driver’s individual profile.
What’s the average cost of auto insurance in Arizona?
The average cost of auto insurance in Arizona is $66 per month or $797 per year for minimum coverage. The price for a full coverage policy averages around $161 per month or $1,937 per year.
Why is Arizona car insurance so high?
Arizona car insurance rates are unusually high thanks to the state’s high rate of motor vehicle crash fatalities. According to the IIHS, 16.2 drivers lost their lives for every 100,000 residents, compared to the national average of 12.9.
Additional factors like a higher frequency of auto theft and adverse weather conditions have contributed to the spike in rates across the state as well.
Who’s known for the cheapest car insurance?
There’s no way to tell what your costs will be until you ask for a personalized quote. Insurance premiums depend on so many individual factors that the cheapest option for one driver won’t necessarily be the same for another.
The best way to get the cheapest coverage for you is to comparison shop across at least three different providers.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.