Aabar Insurance Services, Inc.
15027 W Ball Rd, Ste 150, Surprise, AZ 85374
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Surprise households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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15027 W Ball Rd, Ste 150, Surprise, AZ 85374
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15027 W Bell Rd, Ste 150, Surprise, AZ 85374
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14461 West El Cortez Pl, Surprise, AZ 85387
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16551 N Dysart Rd, Ste 104B, Surprise, AZ 85378
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15270 W Brookside Ln, Ste 125, Surprise, AZ 85374
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15278 W Bell Rd, Suite 109, Surprise, AZ 85374
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Learn about insurance coverage options specific to Surprise residents.
Discover insurance costs in Surprise, Arizona. Learn about auto requirements, home insurance rates, monsoon risks, and local agents. Average home insurance: $1,743/year.
Home InsuranceSurprise, AZ home insurance averages $1,743/year. Get comprehensive monsoon coverage, rate discounts, and claims tips for Arizona's fastest-growing city.
Car InsuranceGet the right auto insurance in Surprise, Arizona. Understand 25/50/15 minimums, at-fault laws, and find coverage that protects you on US-60 and Loop 303.
Arizona requires minimum liability coverage of 25/50/15, which means $25,000 per person for bodily injuries, $50,000 total per accident for bodily injuries, and $15,000 for property damage. However, these minimums are often insufficient for serious accidents, and many insurance professionals recommend higher limits like 100/300/100 to provide adequate financial protection.
The average home insurance premium in Surprise is approximately $1,743 per year, which is lower than Phoenix's average of $2,143. Surprise benefits from reduced exposure to extreme weather compared to other parts of Maricopa County. However, rates have been rising—Arizona saw a 13% increase in home insurance costs in 2025 alone.
Flood insurance isn't required unless you're in a designated floodplain and have a mortgage. However, it's worth considering because Maricopa County experiences monsoon flooding, tropical storm remnants, and winter rains that can cause flash floods. Standard homeowners insurance doesn't cover flood damage, and flood policies have a 30-day waiting period before coverage begins.
Surprise faces several unique weather risks including monsoon season (June-September) with lightning, dust storms, and flash flooding; extreme heat exceeding 110°F that can damage roofs and AC systems; and wildfire risk affecting 99% of Maricopa County properties. These weather patterns influence both your coverage needs and premium costs.
Yes, comprehensive coverage is highly recommended in Surprise. It covers damage from dust storms (haboobs), windshield damage from gravel and debris, hail during monsoon season, and other non-collision events common in the desert. Since Arizona doesn't require comprehensive coverage, you'll need to add it to your policy, but it's typically affordable and worth the protection.
Surprise has six local insurance agencies that understand West Valley-specific risks and coverage needs. Working with a local agent gives you access to someone familiar with monsoon protocols, neighborhood drainage issues, and Arizona-specific claims processes. Local agents often represent multiple carriers and can shop rates to find you the best deal.
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