Surprise Car Insurance

The Zebra
May 30, 2018

Car Insurance in Surprise

On average, premiums in Surprise exceed the state average by $69. Let’s get started on how to save on car insurance in Surprise.

  • City Average: $1,316
  • State Average: $1,247
  • National Average: $1,427

Surprise Car Insurance by Age

Teenage drivers are the ones who pay the most in car insurance premiums, with average rates of $5,607. At $1,160, drivers in their 50s have the lowest premiums among any age group. Those in their 60s ($1,215) have premiums that aren't much higher. Drivers in Surprise see the largest fall in premiums when they reach their 20s, as they pay an average of 68% less after moving out of the teenage age range. Turning 60 causes a rise in car insurance premiums, but up until that age drivers can anticipate premium reductions when they progress from one age group to the next.

  • Teenagers: $5,607
  • 20s: $1,772
  • 30s: $1,296
  • 40s: $1,250
  • 50s: $1,160
  • 60s: $1,215
  • 70s: $1,555

Surprise Car Insurance by Accident or Violation History

By avoiding driving mishaps that can inflate the expense of rates, you can not only save yourself money, but become a safer driver. In Surprise, drivers with a DUI need to spend $950 more than the city average to insure their vehicle. Reckless driving will push your premiums up as well, with average rates of $2,886, which are 119% higher than the city average! Even among safe drivers, accidents happen, so be prepared and learn how your rates can change after one. For those in Surprise with at-fault accidents, $772 is the amount by which annual insurance premiums can be expected to rise.

  • DUI: $2,266
  • Reckless Driving: $2,886
  • At-fault Accident (damages less than $1000): $2,088
  • At-fault Accident (damages greater than $2000): $2,088
  • Speeding Ticket (16-20 mph over speed limit): $1,761

Surprise Car Insurance by Credit Rating

Improving your credit can save you a good sum of money. Those in the bottom credit tier (300-579) usually pay 2.4x more for car insurance than those in the top credit tier (800-850). Drivers will see the greatest percent reduction in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them 22% per year.

  • Very Poor: $2,760
  • Fair: $2,153
  • Good: $1,713
  • Very Good: $1,383
  • Exceptional: $1,137

Surprise Car Insurance by Gender and Marital Status

Both gender and marital status are among the various driver attributes that influence car insurance premiums in Surprise. Individuals who are single spend around 8% more per year on car insurance compared to those who are married. Rates for those who are widowed are marginally cheaper than rates for those who are single. Premiums for men and women tend to differ slightly, with men paying less.

  • Female: $1,329
  • Male: $1,316
  • Single: $1,316
  • Married: $1,217
  • Divorced: $1,316
  • Widowed: $1,294

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