Explore how to find affordable auto insurance in Surprise, Arizona — straight from an insurance expert.
Why you can trust The Zebra
The typical Surprise driver pays $1,536 per year for car insurance. That's more than the average in Arizona ($1,470) and less expensive than the national average of $1,548. Our guide to car insurance in Surprise — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
|Surprise Average (annual)||Arizona Average||United States Average|
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical insurance customer, GEICO provides Surprise's cheapest rates. We've listed the best cheap car insurance companies in Surprise below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
|Company||Average Annual Rate|
Surprise drivers in their 50s pay relatively affordable car insurance rates just $1,368 each year, on average. Rates for Surprise drivers in their 60s are also relatively affordable, at just $1,422 per year.
Teenage drivers pay Surprise's most expensive insurance rates. When Surprise drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Surprise is $4,332, the largest such difference between any two age brackets.
|Age tier||Average Annual Rate|
Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Surprise pay $125 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Surprise, widowed drivers pay less than those who are single.
Gender is another factor that can affect car insurance rates. In Surprise, female drivers pay more for auto insurance than do male drivers: $25 per year, to be precise.
|Marital Status/Gender||Average Yearly Rate|
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Surprise drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $686 per year versus the city average. A ticket for speeding results in a $419 rate hike, on average, while a DUI violation costs $792per year in insurance premiums.
|Violation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$1,978|
|At-fault Accident (damages greater than $2,000)||$2,256|
|Speeding Ticket (16-20 mph over speed limit)||$1,955|
It's no secret credit score is closely correlated with auto insurance rates. In fact, Surprise drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 64% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Surprise, improving your credit to "Fair" could help you earn a $1,560 decrease in annual car insurance rates.
|Credit Level||Average Rate (annual)|
Curious about how your credit score might impact your auto insurance rates? Click here to learn more.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.