Surprise, AZ Car Insurance

Drivers in Surprise pay, on average, $63 a month for their car insurance. For more information refer to our guide below.
How does Surprise compare to the surrounding area and the rest of Arizona? What should residents of Surprise expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Surprise?

Area Average Monthly Car Insurance Premium
Surprise$63
AZ$61
United States$80

As you can see in the chart above, it costs about the same to insure your vehicle in Surprise as it does in the rest of Arizona.

Drivers relocating from out of state may enjoy some cost savings in Surprise. The average monthly payment for the United States as a whole is about $17 more expensive than in Surprise.

While these are the average costs to insure your vehicle in Surprise, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Surprise and broken down the different factors to help you understand what your policy's monthly premium will be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$110
25-34$55
35-44$53
45-54Not Enough Data
55-64$48
65+$55

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Surprise.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$60

Female drivers pay, on average, slightly less than their male counterparts. The difference in average rates in Surprise totals about $6 per month. As illustrated in the table above, female drivers in the area pay about $60 on average, while male drivers pay around $66 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$113
Multiple Accidents$81
1 Ticket$91
Multiple Tickets$78

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Surprise, a driving record with a single accident will usually get you a rate around $113 a month. In addition, drivers with a single ticket on their record can expect to pay around $91 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$46
2-3 Years$101
4-5 Years$53
6-7 Years$54
8-10 Years$67
11-14 Years$63
15 Years or Older$57

If you look at the first table above, the cheapest vehicles to insure in Surprise are typically SUVs, at $59 per month.

Truck and van drivers will see rates of about $75 for auto insurance coverage, while SUV owners by and large pay around $59 a month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Surprise, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$65
Married$52
Divorced$52
Widowed$52

Overall, those who are currently married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Surprise follows that pattern, with the difference totaling to around $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$68
Live with parents$90

Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $19 a month more than if you own your own home in Surprise. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Surprise, AZ

Recent trends in car insurance for Surprise drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

The rates for car insurance in Surprise had been increasing from 2016-2018, before steadying out in 2019. Policy premiums went up again recently, hitting a high of $95 in 2021.

How does Surprise compare to neighboring areas?

Why are car insurance rates in Surprise different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Community laws
  • Off-street parking accessibility
  • Number of car accidents
  • Crime
  • Total amount of drivers in the community

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Surprise?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in Surprise.

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Surprise Insurance FAQs

What factors affect car insurance quotes in Surprise?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Surprise different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Surprise?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Surprise?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Surprise or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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