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Car Insurance Quotes in Surprise, AZ

Full coverage / year
$2,377
State minimum / year
$776
Typical quote range
$1,687 – $3,280

Full coverage car insurance in Surprise, AZ runs an estimated $2,377 per year — roughly $198 monthly. That tracks the Arizona average closely, reflecting typical suburban driving patterns. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Surprise, AZ

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$198/ month
$2,377 per year · carriers in Surprise, AZ typically quote $1,687 – $3,280
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Surprise, AZ

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,807$151-24%Military members and families only
Geico$1,949$162-18%Usually cheapest for clean records
State Farm$2,092$174-12%Strong for young and student drivers
Progressive$2,258$188-5%Competitive after a ticket or accident
Travelers$2,306$192-3%Good multi-policy discounts
Nationwide$2,377$1980%Mid-market, wide availability
Allstate$2,710$226+14%Higher base rate, heavy discount stacking
Farmers$2,876$240+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Surprise, AZ. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Surprise

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$6,419$2,096$535
18 years old$5,415$1,768$451
20 years old$4,484$1,464$374
22 years old$3,724$1,216$310
25 years old$2,842$928$237
30 years old$2,450$800$204
40 years old$2,303$752$192
50 years old$2,205$720$184
60 years old$2,181$712$182
65 years old$2,279$744$190
70 years old$2,499$816$208
75 years old$2,916$952$243

Estimated premiums by age in Surprise, AZ, clean record, sedan.

What a ticket, accident or DUI costs in Surprise

Driving recordEst. annualIncrease
Clean record$2,377—
1 speeding ticket$2,923+23%
1 at-fault accident$3,493+47%
DUI / DWI$4,492+89%

What a violation costs a 35-year-old in Surprise, AZ. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Arizona

Every driver registering a vehicle in Arizona must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Arizona Department of Insurance.

Required coverage in ArizonaMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$15,000
Insurance systemAt-fault (tort)

Coverage levels compared in Surprise

Coverage levelEst. annualEst. monthly
State minimum liability$776$65
Full coverage (100/300/100 + comp & collision)$2,377$198
Full coverage, high limits + low deductible$2,828$236

Coverage level comparison for Surprise, AZ.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Surprise

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Surprise covers 85374, 85378, 85379, 85387 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Surprise, AZ?
Full coverage in Surprise is estimated at $2,377 a year ($198 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $776 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Arizona?
Arizona requires at least $25,000 bodily injury per person, $50,000 per accident and $15,000 property damage. Arizona is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Surprise?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Surprise for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Surprise?
An 18-year-old in Surprise is estimated at $5,415 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Surprise?
A DUI takes the estimate from $2,377 to about $4,492 a year in Surprise, an increase of roughly 89%. Arizona drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Surprise?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

El MirageSun City WestSun CityPeoriaGlendaleAvondaleGoodyearPhoenix

Comparing more of Arizona? See every Arizona city we price or read the cheap car insurance guide for Surprise.