2024
On April 23, 2024, the Denver Broncos exercised the one–year, $19.8 million fifth–year option on Surtain's rookie contract. He returned to training camp as the No. 1 starting cornerback and entered his second season under the same coaching staff for the first time of his career. Head coach Sean Payton named Surtain and Riley Moss the starting cornerbacks to begin the season.
On September 4, 2024, the Denver Broncos signed Surtain to a four–year, $96 million contract extension that includes $77.5 million guaranteed with $40.68 million guaranteed upon signing and an initial signing bonus of $15 million. The new deal kept him under contract through the 2029 NFL season and made him the highest paid defensive back in NFL history.
On September 8, 2024, Surtain started in the Denver Broncos' season–opener at the Seattle Seahawks and racked up a season–high six combined tackles (four solo) and broke up a pass during a 20–26 loss. On October 6, 2024, Surtain recorded three combined tackles (two solo), made two pass deflections, had a career–high tying two interceptions, and returned one for his second career touchdown during a 34–18 win against the Las Vegas Raiders. During the second quarter, Surtain intercepted a pass attempt thrown by Gardner Minshew to tight end Brock Bowers in the end–zone and returned it 100–yards to score a touchdown, becoming the second-longest pick-six in Broncos' franchise history, only behind Aqib Talib’s 103-yard interception return touchdown against the Dallas Cowboys in 2017. For his performance, Surtain was named AFC Defensive Player of the Week. On October 13, 2024, Surtain exited after the first defensive snap during a 16–23 loss against the Los Angeles Chargers after suffering a concussion during a collision with wide receiver Ladd McConkey while trying to break up a pass. He remained in concussion protocol and subsequently missed a Week 7 victory at the New Orleans Saints. He had started in 40 consecutive games prior to this injury and missed the first game since his rookie season. He returned the following week and made one solo tackle, one pass deflection, and intercepted a pass by Bryce Young during a 28–14 win against the Carolina Panthers in Week 8. He finished the season with a total of 45 combined tackles (34 solo), 11 pass deflections, four interceptions, one forced fumble, a fumble recovery, and one touchdown in 16 games and 16 starts. Surtain's 39 passes defended since 2021 are tied with Darius Slay for the league lead over that span.
On February 6, 2025, Surtain was named the 2024 AP NFL Defensive Player of the Year. Surtain was the second player in Broncos history to receive the honor, joining Hall of Fame linebacker Randy Gradishar who won it in 1978.
