Cheap Auto Insurance Quotes in Surprise, AZ (2021)

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Car Insurance in Surprise, AZ

The average cost of Arizona car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Surprise, AZ to find you the cheapest quotes in the area.

$53
$97
$102
$127
$197
State FarmGEICOAllstateTravelersAmerican Family

Cheapest Car Insurance in Surprise

Here are the cheapest carriers in Surprise for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

$156
$196
$148
$163
$142
$131
ArizonaPhoenixTucsonMesaChandlerSurprise

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Surprise, AZ Driving Facts

arizona

Minimum Car Insurance Requirements in AZ

Arizona does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.

Arizona's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Insurify Insights: How Surprise Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Surprise, AZ
suspended licenses
#18
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Surprise drivers measure up to their fellow Arizona motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Surprise

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Surprise drivers rank 17 in the number of car accidents per driver across all cities in Arizona.

  • Rank within state: #17
  • Percent of drivers in Surprise with an accident: 9.92%
  • Drivers in Surprise, AZ with an accident in their driving history paid on average 45.26% more than drivers with a clean record

Speeding Surprise

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arizona, Surprise drivers rank 28 in the number of speeding infractions per driver.

  • Rank within state: #28
  • Percent of drivers in Surprise with a speeding ticket: 7.44%
  • Drivers in Surprise, AZ with a speeding ticket in their driving history paid on average 31.05% more than drivers with a clean record

DUI/DWIs Surprise

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Surprise drivers rank 25 in the number of DUI’s per driver across all cities in Arizona.

  • Rank within state: #25
  • Percent of drivers in Surprise with a DUI: 1.65%
  • Drivers in Surprise, AZ with a DUI in their driving history paid on average 10.53% more than drivers with a clean record

Most Popular Vehicle Surprise

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Surprise is the Ford F-Series Pickup.

Rude Surprise

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arizona, Surprise drivers rank 22 in rude driving infractions.

  • Rank within state: #22
  • Percent of drivers in Surprise with a reckless driving violation: 1.2%
  • Drivers in Surprise, AZ with a reckless driving violation in their driving history paid on average 14.74% more than drivers with a clean record.

Safest Drivers Surprise

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Surprise drivers rank 5 in clean driving records across all cities in Arizona.

  • Rank within state: #5
  • Percent of drivers in Surprise with clean record: 83.92%

Failure to Yield the Right of Way Surprise

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Surprise drivers rank 22 in failure to yield violations per driver across all cities in Arizona.

  • Rank within state: #22
  • Percent of drivers in Surprise with a failure to yield violation: 0.15%
  • Drivers in Surprise, AZ with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Surprise

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arizona, Surprise drivers rank 10 in the number of reckless driving offenses per driver.

  • Rank within state: #10
  • Percent of drivers in Surprise with a reckless driving offense: 0.08%

Hybrid/Electric Vehicle Ownership Surprise

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Surprise drivers rank 17 in hybrid and electric vehicle ownership across all cities in Arizona.

  • Rank within state: #17
  • Percent of drivers in Surprise with a hybrid/electric vehicle: 1.24%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.