Surprise, AZ Car Insurance

Explore how to find affordable auto insurance in Surprise, Arizona — straight from an insurance expert.

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What's the average cost of car insurance in Surprise?

 

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.

 
AUTO INSURANCE: SURPRISE RATES VS. STATE + NATIONAL AVERAGES
Surprise Average (annual)Arizona AverageUnited States Average
$1,536$1,470$1,548
 
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Surprise auto insurance rates by insurer

 

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.

 
SURPRISE CAR INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
GEICO$786
USAA$1,202
State Farm$1,412
American Family$1,590
Progressive$1,729
 

Check out our guide to learn how to find the best cheap car insurance.

 

Auto insurance premiums by age in Surprise

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.

 
CAR INSURANCE RATES BY AGE TIER IN SURPRISE
Age tierAverage Annual Rate
Teenagers$6,385
20s$2,053
30s$1,506
40s$1,465
50s$1,368
60s$1,422
70s$1,814
 

Learn more about the impact of age on car insurance premiums.

 

Surprise auto insurance premiums by gender and marital status

 

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.

 
INSURANCE RATES IN SURPRISE BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,561
Male$1,536
Single$1,411
Married$1,411
Divorced$1,536
Widowed$1,467
 

Learn more about how gender and marital status have on auto insurance rates.

 

Surprise auto insurance costs by incident history

 

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.

 
SURPRISE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Yearly Rate
DUI/DWI$2,328
Reckless Driving$2,223
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
 

Learn more about how citations can raise your auto insurance rates.

 

Surprise car insurance rates by credit tier

 

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.

 
SURPRISE CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$3,436
Fair$1,876
Good$1,536
Very Good$1,387
Exceptional$1,230
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 

Find a cheap policy by comparing quotes now!

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.