We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Surfside shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Surfside
The car insurance rate in Surfside is $1082 for a six-month policy, which is $71 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $687, making it a popular choice for budget-conscious drivers. Rates in Surfside can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $687 for a six
month policy, CSAA offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $871 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Mercury
Mercury offers auto insurance
rates at $921
for six months, making it
the third cheapest auto insurance company in Surfside.
Surfside Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Surfside, CA is CSAA, offering policies at just $687 for a six-month term. This is followed by USAA, which has an average six-month premium of $871.
At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $826 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Surfside drivers find the best deals.
Way's key takeaways about car insurance in Surfside
The auto insurance costs in Surfside fall around $687 for six
months.
The cheapest auto insurance company in Surfside is CSAA.
Teen drivers pay the highest rate in Surfside at $72 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Surfside
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Surfside are given below.
CSAA provides
the cheapest minimum car insurance
coverage in Surfside. Their Average 6 Month Premium is $165.
21st Century is the most
expensive at $432 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Surfside is CSAA
at $116 per month and $687
for six months.
Cheapest Full Coverage Car Insurance Quotes in Surfside,
CA
Get Your Car Insurance Quote in Surfside
Instantly!
Average Car Insurance in Surfside by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Surfside, CA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Surfside, California, may be increasing due to several external factors.
California has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Surfside's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Surfside
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Wawanesa
$626
30s
Wawanesa
$505
40s
Wawanesa
$505
50s
Wawanesa
$505
60s
Wawanesa
$505
70s
Wawanesa
$494
Cheapest Car Insurance Rates for Teen Drivers in
Surfside,CA
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Surfside at $42
per
month. At $419 for a six-month premium,
Marcury offers the most expensive rate for
teen drivers.
If you are in your twenties Wawanesa is
the best choice for car
insurance in Surfside.
As young drivers face the highest rates in Surfside, Wawanesa
offers the cheapest auto insurance rates at $626 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Surfside,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Surfside is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
undefined
Escape the Trap of Rising Insurance Costs.
Save up to $971/yr on car insurance rates in Surfside.
Car Insurance Rates with An Accident in Surfside
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Surfside, CA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Surfside
The cheapest car insurance companies after an at-fault accident in
Surfside include AAA
and Capital Insurance Group, offering $407
and $584,
respectively. 21st Century is an expensive provider
with an average six-month premium of
$731.
Here is a list of driving violations that can increase your car
insurance rates in Surfside CA. For example, the car
insurance in Surfside
after a DUI increases to $1862 for a six
month policy. While the rate increases by $489 for a six-month policy in the case of
a speeding ticket.
Surfside auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1163
$194
Not-at-fault accident
$1163
$198
One comp claim
$1163
$194
One Med/PIP claim
$1163
$198
Two comp claims
$1163
$194
Two Med/PIP claims
$1163
$198
At-fault accident - less than $1000
$1189
$198
Failure to show documents
$1532
$260
Driving with expired registration
$1563
$261
Driving without lights
$1563
$265
Failure to wear a seat belt
$1570
$262
Child safety restraint
$1583
$269
Speeding 11 - 15 MPH over limit
$1646
$274
Speeding 16 - 20 MPH over limit
$1646
$280
Driving too slowly
$1652
$275
Failure to stop at a red light
$1652
$281
Failure to yield
$1652
$275
Following too closely
$1652
$281
Illegal turn
$1652
$275
In 65 MPH zone
$1652
$281
Speeding 21 - 25 MPH over limit
$1652
$275
Speeding 6 - 10 MPH over limit
$1652
$281
Speeding in school zone
$1652
$275
Improper passing
$1659
$282
Cell phone violation
$1665
$277
Texting while driving
$1665
$284
Passing school bus
$1684
$280
Wrong way/wrong lane
$1970
$335
Operating a vehicle without permission
$2015
$336
At-fault accident - $1000-$2000
$2028
$345
At-fault accident - greater than $2000
$2028
$338
Open container
$2034
$346
Driving with a suspended license
$2358
$393
Reckless driving
$2873
$489
Racing
$2905
$484
Leaving scene of an accident/hit and run
$2917
$496
DUI
$3025
$504
Refusal to submit to a chemical test
$3025
$515
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Surfside after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Surfside.
The cheapest car insurance premiums in
Surfside are
offered by AAA at $800 for a six-month policy.
However, it can be as
expensive as $674 with companies
like Kemper.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Surfside are offered by CSAA
at $102. However,
it can be as expensive as $483
with companies like State National for a similar
six-month premium.
Cheapest Car Insurance in Surfside after Speeding ticket
Car Insurance Price Trends in Surfside,
California
Car insurance rates in Surfside have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Surfside rose by
$205 in December
compared to $203 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Surfside rose to $58 in December,
compared to $56 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Surfside by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Surfside. At $2163 for a
six-month policy, insuring
your car at 90743 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Surfside?
The car insurance in Surfside is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Surfside?
The cheapest car insurance in Surfside
is $116 per month
for full coverage.
How much is car insurance in Surfside for teenagers?
Car insurance for teenagers costs $248 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Surfside?
The average cost of car insurance is $1011 for a six-month
policy. It will cost around $182 per month to insure your
car in Surfside.
Is car insurance expensive in Surfside?
Car insurance can be expensive in Surfside if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Surfside can be
affordable.
What is the best car insurance in Surfside,
CA?
The best car insurance company in Surfside
CA is
CSAA, offering $687 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Surfside right now.
Find Car Insurance Rates in Cities Near Surfside, CA
Car Insurance Rates by State in the USA (2025 Update)
Surfside Car Insurance
