120+ more*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on September 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on September 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Drivers in Yuma, Arizona, pay an average of $70 per month for liability-only car insurance and $132 for full coverage, according to Insurify data.
That’s significantly lower than in Phoenix, the nearest major metro, and slightly lower than in the nearby city of Maricopa, where the typical driver pays $93 and $182 per month for liability only and full coverage, respectively. This is likely due to Yuma’s more remote location and lower population density. Yuma has just 791 people per square mile compared to Phoenix’s 3,000-plus.[1]
Learn more about car insurance costs in Yuma and other Arizona cities below.
The state of Arizona requires $25,000 in bodily injury liability per person and $50,000 per accident, plus $15,000 in property damage liability.[2]
Auto-Owners is the cheapest car insurance company in Yuma for liability coverage, with rates averaging $38 per month. This is quite a bit lower than the state average of $91 for liability-only coverage.
Here’s a look at the cheapest car insurance companies for liability insurance in Yuma.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $38 |
| Just Pay-Per-Mile | $39 |
| Mile Auto | $46 |
| Progressive | $48 |
| State Farm | $48 |
| Certainly | $51 |
| Sun Coast | $51 |
| Aspire General | $53 |
| Novo Flex | $54 |
| USAA | $54 |
| Mercury | $57 |
| Novo Next | $57 |
| The General | $58 |
| Novo | $61 |
| GEICO | $65 |
| Just Unlimited | $65 |
| Hiroad | $66 |
| Safeco | $66 |
| Bristol West | $68 |
| Direct Auto | $69 |
| National General | $70 |
| Dairyland | $71 |
| Trexis | $76 |
| Clearcover | $77 |
| Commonwealth Casualty | $77 |
| AssuranceAmerica | $78 |
| Allstate | $79 |
| GAINSCO | $79 |
| Travelers | $83 |
| Covercube | $87 |
| Mendota | $87 |
| Insurify Car | $88 |
| First Acceptance | $91 |
| Country Financial | $93 |
| American Family | $94 |
| The Hartford | $96 |
| Farmers | $97 |
| Root | $108 |
| Hugo | $110 |
| Liberty Mutual | $110 |
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Yuma drivers pay a monthly average of $132 for full-coverage insurance policies — less than nearly every other Arizona city Insurify analyzed.
Some Yuma drivers may want to purchase more than just the state-required liability coverage due to the area’s risk of earthquakes.[3]
See below for a full list of the cheapest car insurance companies for full coverage in Yuma, Arizona.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $69 |
| Just Pay-Per-Mile | $79 |
| Novo Flex | $79 |
| Novo Next | $79 |
| Mile Auto | $84 |
| State Farm | $86 |
| Progressive | $87 |
| Sun Coast | $91 |
| USAA | $96 |
| Novo | $99 |
| Safeco | $99 |
| Mercury | $103 |
| Aspire General | $110 |
| GEICO | $111 |
| Hiroad | $125 |
| Bristol West | $131 |
| Direct Auto | $135 |
| Just Unlimited | $135 |
| Clearcover | $140 |
| National General | $141 |
| Allstate | $143 |
| Certainly | $147 |
| Liberty Mutual | $148 |
| Travelers | $148 |
| The General | $152 |
| AssuranceAmerica | $154 |
| Root | $164 |
| Trexis | $164 |
| American Family | $168 |
| Commonwealth Casualty | $168 |
| Country Financial | $168 |
| The Hartford | $172 |
| Farmers | $174 |
| Dairyland | $180 |
| GAINSCO | $183 |
| Covercube | $186 |
Yuma car insurance rates are among the lowest in Arizona. Drivers in Yuma pay significantly less for car insurance than drivers in much larger metropolitan areas such as Glendale and Phoenix.
This is likely due to Yuma’s very low rate of accidents. In 2025, law enforcement data shows there were fewer than 1,000 crashes in the entire year and only six accident-related fatalities.[4] By comparison, nearby Maricopa County had more than 87,000 accidents in 2023 — the most recent year for which data is available, according to the Arizona Department of Transportation.
The table below shows how Yuma’s car insurance premiums compare to those in other Arizona cities.
City | Average Monthly Quote |
|---|---|
| Lake Havasu City | $88 |
| Sierra Vista | $89 |
| Cottonwood | $90 |
| Prescott | $95 |
| Kingman | $96 |
| Bullhead City | $97 |
| Flagstaff | $100 |
| Douglas | $103 |
| Prescott Valley | $104 |
| Safford | $104 |
| Marana | $108 |
| Sahuarita | $109 |
| Sun City | $115 |
| Florence | $116 |
| Casa Grande | $121 |
| Tucson | $122 |
| Apache Junction | $123 |
| Chandler | $130 |
| Scottsdale | $133 |
| Mesa | $135 |
| Gilbert | $137 |
| Goodyear | $137 |
| Maricopa | $138 |
| San Tan Valley | $138 |
| Buckeye | $142 |
| Litchfield Park | $142 |
| Peoria | $146 |
| Surprise | $146 |
| Tempe | $146 |
| Queen Creek | $148 |
| Avondale | $152 |
| El Mirage | $157 |
| Tolleson | $164 |
| Glendale | $166 |
| Phoenix | $172 |
| Laveen | $174 |
*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on September 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on September 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Yuma drivers without accidents or speeding tickets on their driving record often pay lower car insurance premiums than drivers with a history of citations, crashes, driving under the influence (DUI) convictions, or other violations.
The following companies have the cheapest car insurance in Yuma based on driving record:
Cheapest car insurance for Yuma drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Yuma: Auto-Owners
Cheapest car insurance for Yuma drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Yuma: Auto-Owners
The cheapest insurance company for Yuma drivers with an incident is Auto-Owners, with an average premium of $48 per month for liability-only coverage.
Yuma has some of the lower accident rates in the Grand Canyon State. In 2025, Yuma County roads only saw 967 accidents, according to data from the Yuma County Sheriff’s Office. And just 3.4% of Yuma drivers have an accident on their record, while only 3.8% of drivers have a speeding ticket and 0.5% have a DUI, according to Insurify data.
The table below shows how average Yuma car insurance rates for drivers with an incident on their record compare to those for drivers with a clean driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $101 |
| Speeding ticket | $131 |
| At-fault accident | $138 |
| DUI | $143 |
Driving conditions in Arizona are different from city to city. If you’re driving in Yuma, Arizona, it’s a good idea to keep the following things in mind:
Beware of car theft. While the rate of car thefts has decreased compared to last year, Yuma is still No. 209 in the country for vehicle thefts, with nearly 250 thefts in 2025 alone.[5] And in the state of Arizona, someone steals a vehicle every 10 minutes.[6]
Earthquakes are a real risk. Yuma County sits near the San Andreas Fault system, making the area prone to earthquakes. A 7.2-magnitude earthquake occurred in 2010 in nearby Baja California, Mexico, causing “moderate ground shaking” in Yuma. Comprehensive coverage can help protect your car against earthquake damage.
Poor driving conditions are common. High temperatures, glaring sun, and sandstorms are common in Yuma. Performing regular vehicle maintenance, driving with at least a half tank of gas, wearing polarized sunglasses, and pulling over during a sandstorm can help you stay safe.
Yuma is a fairly low-traffic city, particularly compared to larger nearby cities like Phoenix and Tucson. And its only major highways are Interstate 8 and U.S. Route 95. This generally makes for less hazardous driving conditions and may contribute to Yuma’s lower car insurance rates.
But Yuma’s traffic can get slightly busier during winter and early spring due to a seasonal uptick in temporary residents. An Arizona State University study found that around 71,000 additional people, sometimes called “snowbirds,” reside in the Yuma area between December and May.
Full-coverage policies average $132/mo.
Teen drivers pay more for insurance than older drivers. In Yuma, just over one-quarter of the population is younger than 18. Teens in Arizona can get their learner’s permit at age 15 and 6 months old and then apply for their graduated license six months later.[7]
Teen driver’s licenses come with restrictions. For example, teens are allowed only one passenger younger than 18, other than siblings, and they can’t drive without a legal guardian after midnight.[8]
The average monthly car insurance premium for teen drivers in Yuma is $147 for liability-only coverage and $276 for full coverage.
See the chart below for the cheapest car insurance companies for Yuma teen drivers.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $81 |
| Just Pay-Per-Mile | $82 |
| State Farm | $99 |
| Mile Auto | $100 |
| Progressive | $100 |
| USAA | $106 |
| Certainly | $107 |
| Sun Coast | $107 |
| Aspire General | $111 |
| Mercury | $111 |
| The General | $112 |
| Novo Flex | $113 |
| Novo Next | $119 |
| GEICO | $126 |
| Novo | $128 |
| Bristol West | $129 |
| Dairyland | $132 |
| Clearcover | $136 |
| Just Unlimited | $136 |
| Hiroad | $138 |
| Safeco | $143 |
| Direct Auto | $143 |
| National General | $148 |
| GAINSCO | $149 |
| Commonwealth Casualty | $155 |
| Country Financial | $159 |
| Trexis | $159 |
| Allstate | $165 |
| AssuranceAmerica | $171 |
| Root | $177 |
| Covercube | $182 |
| Mendota | $182 |
| Travelers | $182 |
| Insurify Car | $184 |
| American Family | $189 |
| First Acceptance | $190 |
| Farmers | $206 |
| Liberty Mutual | $207 |
| The Hartford | $226 |
| Hugo | $230 |
Senior drivers typically have lower premiums than younger drivers due to their experience on the road. Just over 17% of Yuma’s population is 65 or older — more than both nearby Maricopa and Phoenix, according to U.S. census data.
Yuma seniors pay monthly averages of $58 for liability policies and $110 for full-coverage policies.
See the chart below for the cheapest insurance rates for Yuma senior drivers.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $29 |
| Just Pay-Per-Mile | $32 |
| Mile Auto | $35 |
| State Farm | $37 |
| Progressive | $40 |
| Certainly | $42 |
| Sun Coast | $42 |
| USAA | $43 |
| Mercury | $44 |
| Aspire General | $44 |
| Novo Flex | $45 |
| Novo Next | $47 |
| The General | $48 |
| GEICO | $51 |
| Novo | $51 |
| National General | $54 |
| Just Unlimited | $54 |
| Hiroad | $55 |
| Direct Auto | $55 |
| Bristol West | $56 |
| Safeco | $56 |
| Dairyland | $59 |
| AssuranceAmerica | $60 |
| Commonwealth Casualty | $61 |
| Trexis | $63 |
| Travelers | $65 |
| Allstate | $66 |
| GAINSCO | $66 |
| Clearcover | $67 |
| The Hartford | $68 |
| Country Financial | $72 |
| Covercube | $72 |
| Mendota | $72 |
| Insurify Car | $73 |
| American Family | $74 |
| Farmers | $75 |
| First Acceptance | $76 |
| Liberty Mutual | $89 |
| Hugo | $91 |
| Root | $98 |
Car insurance in Yuma is generally less expensive than in many other Arizona cities. But many factors affect what you pay for car insurance. If you’re in the market for cheap car insurance in Yuma, the following questions can help you learn more about Yuma car insurance and how to secure the lowest rates.
Drivers in Yuma, Arizona, pay an average of $70 per month for liability-only car insurance and $132 for full coverage, according to Insurify data. This is less than the state averages of $91 and $163 per month.
Arizona car insurance rates fall in the middle of the pack in terms of affordability, compared to the national average. Arizona drivers pay a monthly average of $91 for liability coverage and $163 for full coverage, according to Insurify data.
Many factors affect car insurance rates in Yuma. The city’s low population density and low accident rate help keep insurance rates lower than what drivers pay in other Arizona cities, like Phoenix and Maricopa.
No. You don’t have to carry uninsured or underinsured motorist coverage in Arizona, but if you do purchase it, state law requires at least $25,000 per person and $50,000 per accident.
Yuma drivers may be able to secure a number of car insurance discounts. Many Arizona insurers offer discounts for safe driving habits, good grades, insuring multiple vehicles, or bundling your policy with homeowners or renters insurance. Choosing a higher deductible and improving your credit can also help lower your rate.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
