Find Cheap Car Insurance in Surprise, AZ

Although Surprise is just northwest of downtown Phoenix by about 20-30 miles, it is a world away from the hustle and bustle of big city life. Founded in 1938, Surprise has seen some major growth in recent years, jumping up from about 117,000 in the 2010 census to 143,000 in the 2020 count. The large population of retirees and active older adults has skewed the population toward a higher median age than the U.S. average.

Surrounded by the Sonoran Desert, there is plenty of natural beauty, hiking and desert flora and fauna. Winters are mild and dry, but summers can be extremely hot. Connected to Phoenix by Loop 303 and US Route 60, drivers here face less congestion than the congestion of the big city, but there is usually some construction and maintenance to keep an eye out for, especially on Bell Road.

Arizona state law requires drivers to carry car insurance. Acceptance makes it easy to find cheap car insurance in Arizona that fits your budget and your lifestyle. Whether you are a retiree or a young family, come find out why your neighbors are switching to Acceptance Insurance.

How Much Does Car Insurance Cost in Surprise, AZ?

The average monthly cost of car insurance in Surprise for a 30-year-old male is $43 for minimum liability and $134 for full coverage with increased coverage. For a 65-year-old male, that changes to $41 for the basic and $121 for increased levels. This compares to averages across the nation of $52 for minimum and $168 for full coverage.

Although everybody has a different quote depending on their unique factors, one thing is certain. The minimum required amount will help if you cause an accident, but it won’t do anything for your own damages. For that, you’ll need to get collision coverage. Keep reading to learn more.

What Does Full vs Minimum Mean?

Full coverage is short-hand for a policy that includes basic, required liability (bodily injury and property damage) plus the added protection of comprehensive and collision. It is often what is required when you finance or lease a vehicle. This type of coverage takes care of almost every scenario: at fault accidents, weather damage, theft, and more.

Minimum coverage is what Arizona requires you to have to drive legally and it consists of liability insurance to help pay for damages and injuries you cause. Many people choose to increase these limits in order to be more fully protected.

One of the factors that decides your car insurance rate is where you live. Those who live in congested areas where accidents are more common, as well as crime, may pay slightly more than those who typically drive in more slower-paced areas, such as Surprise. Here’s a chart to give you an overview of several cities in Arizona.

Compare Car Insurance Rates by Zip Code in Surprise

Examining your zip code tells your insurance company a lot about where you live and drive. Claims may be higher in certain zip codes than others. This is a trend many insurers are getting away from, since basing your rate on the activities of others isn’t really fair. Here’s a look at the average monthly rates for the zip codes in Surprise.

Low-Cost Car Insurance Rates by Age in Surprise

Age is one of the largest factors driving your car insurance quote in Surprise. A proven record of safe driving and the stability of maturity brings a better rate than a new driver with no record and the unfortunate association with an age group that files more claims than any other.

That is why car insurance for young drivers can be quite high. There are steps you can take to lessen the burden, but the main thing to keep in mind is accruing a good driving record over a few years is going to be the best bet for getting lower rates as your young driver moves into their 20s.

*To figure out the average costs, we use the following approach: we consider a 30-year-old male, with the state’s minimum liability coverage and full 100/300/100 coverage.

Driving in Surprise is typically fairly easy, with less congestion than you find in bigger cities. Some roads, such as Bell Road and other key arterials, can get bottlenecked at peak times. Additionally, major growth in the population has caused more traffic plus the construction and maintenance that goes with it.

Dust storms and wind can cause visibility issues, especially in spring and summer. The area is also home to a monsoon season in the summer months that may bring heavy rain, flooding and wind gusts. Due to its desert location, expect extreme temperatures that can affect your tires and other sensitive systems.

How Many Fatal Accidents Happen Per Year in Surprise, AZ?

According to the National Highway Traffic Safety Administration (NHTSA), there were 17 fatal accidents with 21 fatalities in Surprise in 2022. In 2021, there were four fatal accidents with five people who lost their lives and in 2020, there were 11 fatal accidents with 12 fatalities.

Surprise is part of Maricopa County, which reported 630 fatal crashes in 2022. These numbers illustrate that Surprise may see a much smaller number of fatal crashes each year than the county, but it is still vital to practice safe and defensive driving at all times no matter where you live.

Are Road Infrastructure and Bridges in Surprise Well Maintained?

Overall, the city appears committed to maintaining roads and infrastructure and invests in preservation, resurfacing, and major projects. Bridge conditions seem acceptable on the state level. Because Surprise is growing rapidly, new infrastructure must keep pace. Some roads or bridges may be under strain, especially in high-growth or transitional areas, before upgrades catch up.

However, the Surprise Public Works Department has a dedicated Transportation Division that handles engineering, street maintenance, and infrastructure upkeep for current and future needs. The city runs an annual Street Maintenance / Pavement Preservation Program to extend the life of road surfaces and has a Pavement Preservation Project that aims to resurface and improve deteriorated pavement citywide, targeting “good to excellent” condition levels on major streets within a five-year timeframe.

Minimum Car Insurance Requirements in Surprise

Arizona requires its drivers to carry a minimum level of liability insurance to help pay for injuries and damages they cause. This includes:

• $25,000 for injury or death to one person
• $50,000 total for injury or death per incident
• $15,000 for property damage per incident

Liability insurance includes bodily injury/death liability and property damage liability. The amounts of this require coverage are quite low – for example, imagine majorly damaging someone’s new Tesla: $15,000 probably won’t go far, meaning you will need to come up with the rest out of pocket.

This is why many people increase their minimum limits.

What Are the Penalties for Driving Without Auto Insurance in Surprise, Arizona?

The state of Arizona requires insurance because they want the person who caused the problem to be responsible for paying to clean it up. Driving without insurance is a major issue that will not only get you in legal trouble, but it will also cause your rates to go up quite a bit if you are convicted of this offense.

Penalties escalate depending on whether it is a first, second or subsequent offense:

• First offense: ~$500, 3 months suspension of driver’s license and registration
• Second offense: ~$750, 6 months suspension of DL and registration
• Third or more offense: ~$1,000, one year suspension of DL and registration
• An SR-22 requirement, which often means higher premiums, may be required with all of these offenses

Keep valid coverage in place so you’re legal and protected on the road in the Grand Canyon State.

As we’ve discussed, your driving history, location and your age will play a part in determining your car insurance quote in Surprise. There are many factors insurance underwriters take into consideration when setting your rate. This is why rates are different even for people who have a lot in common.

Some other factors that can affect your rate include:

• What type of car you drive
• Your credit history
• Your past claims history
• Education level
• Marital status

These factors and more are intended to predict how likely you are to file a claim.

What is the Best Car Insurance for Teenagers and Their Family in Surprise, Arizona?

The best car insurance for teens and their families in Surprise is the insurance that protects them, your property and everybody else on the road – and comes in at an affordable price. That seems like a lot to ask and for parents facing the bill for a new driver’s insurance, it may seem insurmountable.

There are some things you can do to help, including:

• Choose the right vehicle: Avoid sports cars and choose one with a strong safety rating and a high reliability score.
• Encourage good grades: Your teen may be able to get a Good Student discount for maintaining a good GPA.
• Take advantage of bundling and discounts: Put your new driver on your policy and take advantage of all the discounts you qualify for, especially bundling home and car.
• Shop around: This applies to you, as well. Let your independent Acceptance Insurance agent research and compare different options for you so you get the best deal.

Do you qualify for a discount? Most people do and that’s one great way to save on your car insurance. There are other tips to follow to help you find an affordable policy. Speak to your neighborhood agent about how to structure your policy for the biggest impact.

You could ask about:

You can trust your Acceptance Insurance agent to help you find the policy that best fits your unique situation, is flexible and affordable.