Cheap Auto Insurance Quotes in Yuma, AZ (2023)

Tanveen Vohra
Written byTanveen Vohra
Tanveen Vohra
Tanveen VohraManager of Content and Communications
  • Property and casualty insurance specialist

  • 4+ years creating insurance content

Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.

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Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated August 31, 2022

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Car Insurance in Yuma, AZ

The average cost of Arizona car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Yuma, AZ to find you the cheapest quotes in the area.

Quick Facts
  • The average cost of car insurance in Yuma is $140 per month, or $1680 annually.

  • Car insurance in Yuma is $15 less than the average cost of car insurance in Arizona.

  • The cheapest car insurance provider in Yuma on average is Mile Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheapest Car Insurance in Yuma, AZ

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in YumaQuotes
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
State Farm$62 /mo
Allstate$82 /mo
Travelers$109 /mo
The General$162 /mo
Liberty Mutual$183 /mo

Best Car Insurance in Yuma, AZ

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Yuma. For the complete list, see Insurify's best car insurance companies .

Best CompaniesScoreQuotes
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Clearcover97$101 /mo
Nationwide89$173 /mo
American Family89$218 /mo
Safeco86$173 /mo
Liberty Mutual82$212 /mo

See More: Best Car Insurance Companies

Average Car Insurance Cost

Arizona Cities
Phoenix$240/mo
Tucson$148/mo
Mesa$163/mo
Chandler$142/mo
Yuma$131/mo
Arizona$165/mo
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Arizona

Arizona does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.

If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Arizona[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arizona is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Yuma Car Insurance Rates by Driver Age

As indicated by the data below, younger ages correlate to higher car insurance rates in Yuma. Drivers age 19 and down pay an average of $306 in car insurance premiums monthly. With age and experience, driving risks decrease and premiums shrink. Drivers in their 60s and 70s pay $116 and $142, respectively. Though teen drivers will make it into older age brackets eventually, the best way to pay lower rates now is through discounts and good driving behavior.

Driver's AgeAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
teens$307
20s$187
30s$126
40s$231
50s$263
60s$117
70s$143
80s$165

Yuma Car Insurance Rates by Driving and Accident History

Even after you establish an insurance policy, a good driving record can keep insurance rates low. Though underwriters look at your driving history at the beginning of your policy, they’ll look at it again each time your policy comes up for renewal. Accidents or other kinds of risky driving behavior are reasons why your insurance rates might climb. Even if you’ve kept a clean record all of your life, a failure-to-stop violation can make your rates skyrocket. Your rates could rise 400 percent—from an average of $185 per month to $765 per month for the same coverage.

Driving HistoryAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$186
Speeding Ticket$224
At-Fault Accident$195
Failure to Stop for Red Light / Stop Sign$766

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Yuma Car Insurance Rates by Credit Tier

Insurance underwriters collect a lot of information about you to ascertain your level of risk and assign rates. While most people know that questions about age and the kind of car you drive are common, it might surprise you to know that car insurance companies also consider your credit score. Studies show a direct relationship between your ability to manage money and the level of risk you should be assigned. If you aren’t already actively managing your credit score, working on this one thing may help keep your rates low. Drivers with a good credit score in Yuma can expect to pay an average of $154 for their monthly insurance premiums.

Credit TierAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$170
Good$155
Average$207
Poor$164

See More: Bad Credit Car Insurance Arizona

Find local Yuma agents

  • Sundance Insurance Agency, a Relation Insurance Services Company

    2680 E 24th St,
    Yuma, AZ 85365-3289
  • R. L. Jones Insurance Services, Inc.

    2180 S 4th Ave,
    Yuma, AZ 85364-6478
  • A.T. Pancrazi Insurance

    350 W 16th St Ste 103,
    Yuma, AZ 85364-4643
  • Creative Insurance Solutions, Inc.

    1405 W 16Th St Ste A,
    Yuma, AZ 85364-4579
  • Schofield Family Insurance LLC

    2435 S 8th Ave,
    Yuma, AZ 85364-7107
  • R. L. Sullivan Insurance Agency, LLC

    992 W 16th St,
    Yuma, AZ 85364-4543
  • Yuma Risk Management Group

    220 E 16Th St Ste 3,
    Yuma, AZ 85364-4714
  • Yuma Insurance, Inc.

    2691 S 4th Ave,
    Yuma, AZ 85364-7256
  • Yuma Foothills Insurance

    11487 S Fortuna Rd #3,
    Yuma, AZ 85367
  • Fogle Insurance Agency

    390 W Catalina Dr,
    Yuma, AZ 85364
View more

Yuma, AZ DMV Information

The Yuma Motor Vehicle Department is at 2165 Gila Ridge Rd., Yuma, AZ 85365. The hours are Monday through Friday from 8 a.m. to 5 p.m., and the phone number is 1 (800) 251-5866. You can skip the drive and renew your registration, get a duplicate license, and a host of other services online.

Public Transportation in Yuma, AZ

Most Yumans drive to get from point A to point B. The city also provides public transportation. Yuma has an Amtrak station, and Yuma County Area Transit has bus routes and paratransit. You can try Greyhound to move beyond local. Is the bus not your speed? Try ridesharing services such as Uber or Lyft. Traditional taxi companies like Go Green Transportation and Crazy 8's Cab Company can also help you get to your destination.

How to get the best and cheapest car insurance in Yuma, AZ

Yumans know all about the heat, so they expect a smoking-hot deal on insurance. Yes, when you're already kissing the sun, what's a little more fire? If you want a deal that's hotter than your favorite tamales, try Insurify to grab the best rates and compare dozens of insurance quotes in just a few seconds.

When one out of eight drivers in Arizona has no insurance, there's a huge downside to skipping protection. Use Insurify to get the coverage and rates that work for you.

FAQs - Yuma, AZ Car Insurance

  • Why is car insurance so expensive in Yuma?

    Yuma is famous or infamous for being hotter than the surface of the sun. Summer months cook cars and make repair costs high. Also, 12 percent of Arizona drivers have no insurance. Insurers spread the cost to deal with the increased risk, which results in higher premiums.

  • How can I get the cheapest car insurance in Yuma?

    Yumans who want to save a buck should choose the state minimum. It's the least amount of protection Arizona law allows. If you're financing your car, lenders may require comprehensive and collision coverage. In that case, to cut your bill down, increase your deductibles to the most you can afford out of pocket if an accident happens.

  • Who offers the cheapest car insurance in Yuma?

    Auto insurance costs change by city, company, and driver. If you're looking for rates tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve at a price you can afford.

Insurify Insights

How Yuma Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Yuma, Arizona below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Yuma drivers measure up to their fellow motorists across Arizona in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

dodge

Dodge Dakota

Most Popular Car in Yuma

#52

City with the Most Speeding Tickets Rank in Arizona

#52

City with the Most Moving Violations Rank in Arizona

#49

City with the Most DUIs Rank in Arizona

#44

City with the Most Suspended Licenses in Arizona

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Yuma drivers rank 51 in the number of car accidents per driver across all cities in Arizona.

    • Rank within state: #51
    • Percent of drivers in Yuma with an accident: 4.6%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Yuma drivers rank 49 in the number of DUI’s per driver across all cities in Arizona.

    • Rank within state: #49
    • Percent of drivers in Yuma with a DUI: 0.9%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arizona, Yuma drivers rank 29 in the number of reckless driving offenses per driver.

    • Rank within state: #29
    • Percent of drivers in Yuma with a reckless driving offense: 1%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arizona, Yuma drivers rank 35 in rude driving infractions.

    • Rank within state: #35
    • Percent of drivers in Yuma with a reckless driving violation: 1.1%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arizona, Yuma drivers rank 52 in the number of speeding infractions per driver.

    • Rank within state: #52
    • Percent of drivers in Yuma with a speeding ticket: 5%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Yuma drivers rank 6 in clean driving records across all cities in Arizona.

    • Rank within state: #6
    • Percent of drivers in Yuma with clean record: 88.3%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Yuma drivers rank 38 in hybrid and electric vehicle ownership across all cities in Arizona.

    • Rank within state: #38
    • Percent of drivers in Yuma with a hybrid/electric vehicle: 0.69%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Arizona Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 27, 2022
Tanveen Vohra
Tanveen VohraManager of Content and Communications

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance, focusing on market and pricing trends in home and auto insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

Olivia Oksenhorn
Edited byOlivia OksenhornInsurance Writer
Photo of an Insurify author
Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Compare Car Insurance Quotes Instantly

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Based on 3,806+ reviews
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