Surprise Insurance Rates:

Surprise, AZ home insurance is approximately $528 to $717, about $44-$59/month. Our thorough research indicates shoppers can save upto $248 by getting different quotes

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Surprise Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $110/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Baths 2520 sqft Rental Property Constructed In 2013 with Linoleum, Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $180/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1370 sqft Vacation Property Constructed In 2001 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $230/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Bath 1920 sqft Vacation Property Constructed In 2013 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Single Female who is Retired and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $100/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 1860 sqft Primary Residence Constructed In 2013 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $520/8 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 1461 sqft Primary Residence Constructed In 1997 with Linoleum, Composition Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Surprise, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85374 $195,600 $630
85379 $168,100 $630

Surprise Rates & Quotes Analysis:

Surprise Area Estimated House Insurance
Maiden's Blush Dr, W Blue Verde Dr, W Lachlan Ct, W Bursage, N 184th Ave, N Elm Dr, N 128th Ln, N Quail Run, N Quarterhorse Trl, W Overlook Rd$617
W 219th Ave, N Twin Buttes Dr, Bent Tree Dr, N Hidden Ridge Dr, N Stonebrook Dr, W Greer St, N 157th Ln, W Cameo Dr, N Overlook Rd, N 207th Ct$608
Lainie Ct, N 154th Ct, W Rockrose Way, Acapulco Dr, N 162 Ave, W Traditions Ln, W Summer Rainbow Ln, N Tanglewood Dr, N Vickery Cir, N Las Alturas Dr$616
W Jackpot Way, N Lupine Trl, Ewers Dr, N Parada Dr, W Langer Ln, N 164th Ave, N Ventana Dr W, W Blankenship Dr, N Painted Cove Ln, Crossroads Blvd$610
N Jerry St, N 139th Ave, W Whispering Wind Trl, N Goldwater Dr, Desert Vis, 114th Ave, W Pine Mountain Ct, N 163rd Ln, N la Paz Ln, N Barberry Ln$607
N Queen Palm Ln, N 148th Ct, N Suncrest Ct, N 167th Dr, W Starry Sky Dr, N 241st Ave, W Highwood Ln, W Carlin Dr, W Limestone Dr, W Center St$617
W Legend Dr, 138th Ave, N Prospector, N Great Basin Ct, Dove Valley Rd, W Legend Dr, W Walking Stick Way, N 296th Ln, N Basl Ln, N 206th Ave$601
Quail Ave, W Pecos Ln, W Bramble Berry Ln, N 253rd Ave, N Augusta Ln, W Kodiak Dr, W Giovota Dr, W 288th Ave, Cahan Dr, N Cochise Ln$640
W Mimosa Dr, W Cerrito Ln, W Circle Cliffs Dr, Spartan Ct, N Patina Ct, W Kings Dr, W Domino Dr, Crimson Ridge Way, N 161 Ln, N Sonora Ln$663
N 120th Ave, W Summerwind Ln, W Desert Rock Dr, N Desert Sage Ln, W Bayside Rd, N Bobwhite Dr, W Glendora Ct, W Desert Wren Ct, Auburn Dr, Pierce$647

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,114 Homes (4% of total) built between 1980 to 1989 in Surprise are paying home insurance between $928-$937 in contrast with Citrus Park (+$76), Litchfield Park (+$44), Morristown (+$31), Wittmann (-$37) and El Mirage (-$35).
  • Bedrooms: 19,584 3 bedrooms homes (39% of total homes ) in Surprise are paying about $423 compared to Citrus Park (+$35), Peoria (+$8), Litchfield Park (+$27), Wittmann (-$10) and El Mirage (-$15).
  • Auto Insurance Bundling: 4,560 Households (14% of all households) in Surprise have 3 or more vehicles available and when it is bundled with home insurance you can save $155. Discounts for similar bundling in close by locations such as Sun City West, Wittmann, El Mirage come to $155, $149, $149 respectively.
  • Senior Discounts: 16,291 seniors (more than 55 years) occupied housing units (52% of total) in Surprise get discounts between $93 to $95 in contrast with Sun City West ($93), Wittmann ($89), Citrus Park ($100).
  • New Homes discounts: New homes such as the 46,379 homes built between 2000 to 2009 in Surprise can save $124 compared to Sun City West ($124), Wittmann ($119), El Mirage ($119).

Surprise Homeowners insurance Facts

  • Surprise, AZ has 31,328 owner occupied houses which is 76.4% of all units whereas Sun City West, Wittmann and El Mirage have 88.64%, 77.84% and 67.64% respectively.
  • Surprise, AZ homeowners yearly insurance price at $622 is 0.33% of the typical house value of $189,200 which is in contrast with 0.33% in Sun City West, 0.57% at Wittmann & 0.56% in El Mirage.
  • Homeowners in Surprise, AZ pay 4.98% of their income ($10,000 to $14,999) in insurance whereas homeowners in Sun City West, El Mirage and Citrus Park pay 4.98%, 4.79% and 5.38% respectively.
  • Surprise, AZ’s insurance is 3.3% of monthly housing costs of $1,554/month, for owners with a mortgage compared to 4.81% in Sun City West, 3.88% at El Mirage & 2.83% in Citrus Park. But, for households without a mortgage, insurance is 12.9% of costs ($401 in Surprise, AZ) in contrast with 15.16% in Sun City West, 15.41% at El Mirage & 8.08% in Citrus Park.

Surprise, AZ Home Values & Insurance rates

For example, insurance for 2,881 Homes (9.0% of total homes ) valued between $300,000 to $399,999 in Surprise, AZ is about $1,144. Rates in nearby areas in such as Citrus Park, Peoria, Litchfield Park are cheaper by $498, $9, $356 respectively while Sun City West and El Mirage are costlier by $6 and $802 respectively for similar homes.

Surprise, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,165 4.0% $80
$70,000 to $79,999 297 1.0% $242
$80,000 to $89,999 906 3.0% $273
$90,000 to $99,999 1,188 4.0% $311
$100,000 to $124,999 2,793 9.0% $360
$125,000 to $149,999 3,077 10.0% $447
$150,000 to $174,999 4,366 15.0% $528
$175,000 to $199,999 2,760 9.0% $615
$200,000 to $249,999 5,715 19.0% $740
$250,000 to $299,999 3,622 12.0% $901
$300,000 to $399,999 2,881 9.0% $1144

Renters Insurance in Surprise

  • Average Renters Insurance in Surprise :  $208($17/month)

  • Median Gross Rent in Surprise :  $1,242

  • Surprise Renters Insurance to Median Rent Ratio:  1.37%

  • Average household size of renter-occupied unit :  3.18

Surprise Renters Insurance as a Percentage of Rent

Surprise Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 556 5.0% $1927
$750 to $999 1,274 13.0% $2677
$1,000 to $1,499 5,527 59.0% $3802
$1,500 or more 1,823 19.0% $5452

Rent Affordability in Surprise:

Approximately 43.0% (4,184) of households are spending more than 35% of their income on gross rent in Surprise

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 730 7.0%
15.0 to 19.9 percent 1,062 10.0%
20.0 to 24.9 percent 1,432 14.0%
25.0 to 29.9 percent 1,149 11.0%
30.0 to 34.9 percent 1,101 11.0%
35.0 percent or more 4,184 43.0%

Surprise Renters Insurance Discounts:

Surprise Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Surprise, AZ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,182 43.0% $20.8
2 vehicles available 4,062 42.0% $31.2
3 or more vehicles available 1,062 10.0% $41.6

Surprise Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 528 5.0% $124
60 to 64 years 153 1.0% $99
65 to 74 years 440 4.0% $80
75 years and over 493 5.0% $62

Protective device discount in Surprise Up to :  $31

Claims-free discount in Surprise Up to :  $41