Cheapest Auto Insurance in Yuma, Arizona (2024)

Auto-Owners has the cheapest car insurance in Yuma, with rates of $38 per month.

Geoff Williams
Written byGeoff Williams
Geoff Williams
Geoff Williams
  • 27+ years writing about personal finance

  • Bylines in numerous notable publications

Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

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Updated November 28, 2024

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Cheapest recent rates near Yuma, Arizona

Drivers in and around Yuma, Arizona have found policies from National General, Direct Auto, Mile Auto, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. 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 November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly cost of insurance in Yuma is $111, based on Insurify’s internal proprietary data. That’s less than the average cost of car insurance in Arizona of $136 per month. 

Yuma’s cheaper-than-average rates are probably due to the low population of fewer than 100,000, which could mean fewer car accidents and car thefts.[1] Yuma’s warm, sunny weather also means it doesn’t snow or rain often — if at all — reducing the chance of icy and wet road conditions.[2]

Here’s how to compare car insurance quotes and get cheap auto coverage in Yuma.

Quick Facts
  • The average monthly cost of car insurance in Yuma is $78 for liability only and $144 for full coverage.

  • Auto-Owners is the cheapest car insurance company for full coverage, with a monthly rate of $63.

  • Car insurance companies in Arizona can use your credit history when determining your premiums.[3]

3 of the cheapest car insurance companies in Yuma

You have many opportunities to find good car insurance companies in Yuma, but the one that’s best for you will depend on your needs and financial situation. You may care about finding the cheapest coverage, the best customer service, or high-risk car insurance.

Here are three options to start your search for the best car insurance in Yuma.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners8.5$77$46Families
Mile Auto7.5$88$51Low-mileage drivers
State Farm9.3$95$57Specialty coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for families: Auto-Owners

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$63/mo
4.0
Best choiceBased on 143 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)

Jim

November 24, 2024

Verified Review

Auto

Overall, it's good, though their flexibility on pricing is less than desired.

Debra

November 3, 2024

Verified Review

Excellent

They keep raising prices.

Scotty

November 2, 2024

Verified Review

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners has high financial stability rankings and excellent customer reviews. It offers various coverage options for customizing policies and several discounts. Auto-Owners also offers a teen monitoring discount for parents to help their teen drivers develop safe driving habits. Parents can save more with good student and student away at school discounts.

Pros
  • A++ (Superior) AM Best financial strength rating

  • Offers plenty of discounts for potential savings

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southwest region

  • Doesn’t provide online quotes

Best insurer for low-mileage drivers: Mile Auto

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$42/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$72/mo
4.2
Best choiceBased on 54 verified guest reviews and ratings
Reviews (29)

Cookie

October 15, 2024

Verified Purchase

Excellent

Low mileage rate.

Tasha

October 10, 2024

Verified Purchase

Not pleased

Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.

Thomas

October 8, 2024

Verified Purchase

Mixed Review

Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Mile Auto targets low-mileage drivers with its pay-per-mile car insurance program. It’s best for people who work from home or seniors in retirement who don’t drive often, as you pay for each mile you drive plus a monthly base rate. One of the main downsides is that Mile Auto doesn’t have a mobile app for customers to manage their policies on their phones.

Pros
  • Low average car insurance rates in Yuma

  • Doesn’t require an in-car device to track mileage

Cons
  • No mobile app for policy management 

  • Limited customizable coverage options

Best insurer for specialty coverage: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$78/mo
4.2
Best choiceBased on 9074 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,989)

Mary

November 26, 2024

Verified Review

Life

It's just fine. However, like everything else, costs just keep going up. I'm looking for a way to save more as living paycheck to paycheck is not fun.

Robert

November 26, 2024

Verified Review

Claimed

State Farm helped me quickly when UPS totaled my motorcycle and paid it FAST.

Donald

November 26, 2024

Verified Review

No Bargains Here, Just Premium Increases

Way too expensive.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm offers standard coverages to Yuma drivers — including rental car reimbursement and rideshare coverage — but it also has specialty coverages for people with more needs. You can insure your electric vehicle, classic car, commercial fleets, and sports car with State Farm.

Pros
  • No. 1 J.D. Power customer satisfaction rating in the Southwest region

  • A++ (Superior) AM Best financial strength rating

Cons
  • Doesn’t offer gap insurance

  • Can’t get a quote online

How to get the cheapest car insurance in Yuma

What you pay for car insurance depends on various factors, including your age, gender, ZIP code, driving record, vehicle, credit history, and how much coverage you want. Fortunately, you can bring down your car insurance costs to find cheap coverage in Yuma. Here’s how:

  • Compare quotes. If you’re looking for the cheapest car insurance in Yuma, it’s always a good idea to do some comparison shopping and compare rates from at least three insurance companies.

  • Bundle coverage. Many car insurance companies offer discounts if you purchase more than one policy. Consider bundling auto and home or renters insurance to save on both policies.

  • Look for discounts. When shopping for car insurance, check out how many discounts insurance companies offer. The more you’re eligible for, the more money you could save on car insurance.

Find Cheap Car Insurance in Yuma, Arizona

Liability quotes start at $38 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Yuma: Auto-Owners

Liability-only car insurance covers other people’s injuries and property damage from a car accident you cause. Remember, if you have liability-only coverage, it doesn’t pay for your own injuries or property damage — only the other parties’.

Liability-only car insurance in Yuma costs an average of $78 per month.

The table below shows the cheapest liability car insurance companies in Yuma.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Auto-Owners$38
Mile Auto$42
State Farm$47
GEICO$47
USAA$51
Metromile$62
Root$64
Sun Coast$65
National General$69
Allstate$78
Travelers$80
Progressive$81
Mercury$82
Safeco$84
Dairyland$87
Direct Auto$89
American Family$91
COUNTRY Financial$91
Clearcover$92
The Hartford$93
Farmers$94
The General$95
Bristol West$104
Nationwide$104
GAINSCO$105
Commonwealth Casualty$131
AssuranceAmerica$132
Liberty Mutual$138
Foremost$172
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Yuma: Auto-Owners

Full-coverage car insurance is typically a combination of liability-only, collision, and comprehensive insurance. This added protection pays for your vehicle repairs, even if you caused the accident. Full-coverage insurance can also include medical payments or personal injury protection (PIP) to pay for your injuries, depending on the state.

If you have an expensive car or worry you can’t afford vehicle repairs, full-coverage insurance is a good idea. In Yuma, drivers pay an average of $144 per month for a full-coverage policy.

Here are the cheapest full-coverage car insurance companies in Yuma.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Auto-Owners$63
Mile Auto$72
State Farm$78
GEICO$80
USAA$87
Root$100
Metromile$104
Safeco$124
Sun Coast$129
Allstate$129
Travelers$134
Mercury$141
Progressive$144
COUNTRY Financial$151
American Family$153
Clearcover$155
The Hartford$156
Farmers$158
National General$162
Nationwide$175
Direct Auto$192
Bristol West$203
Liberty Mutual$208
Dairyland$219
The General$221
AssuranceAmerica$234
GAINSCO$243
Foremost$313
Commonwealth Casualty$318
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Yuma, Arizona

Drivers in and around Yuma, Arizona have found policies from Mercury, Farmers, Certainly, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. 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 November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Arizona

Arizona requires drivers to purchase and maintain liability insurance limits of 25/50/15. Here’s what those numbers mean:[4]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$15,000 per accident

Depending on your needs, you also may want to consider purchasing additional insurance coverage, including:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers the cost to repair or replace your vehicle if you hit a stationary object or another vehicle, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for vehicle repairs or replacement from non-collision events, such as theft, vandalism, falling objects, severe weather, and more.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for your damages and injuries if someone without insurance — or without enough insurance — causes an accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness coverage

    If you cause an accident, accident forgiveness prevents your rates from increasing at renewal. It usually applies only to your first accident in a certain period.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance helps pay for the cost of towing and labor if your car breaks down.

How Much Car Insurance Do You Need?

How Much Car Insurance Do You Need?

Cheapest car insurance for drivers with an incident

If you have an incident on your driving record, such as a speeding ticket, at-fault accident, or driving under the influence (DUI) conviction, your car insurance rates will likely increase.

Your driving record tells insurers how likely you are to file a claim; the more incidents on your record, the higher your risk. Insurance companies generally increase rates to offset your risk.

Here’s how your driving record affects car insurance rates in Yuma.

Shop for Car Insurance in Yuma, AZ

Monthly rates start at $47 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding tickets usually cause your car insurance premiums to increase because of the risk it poses. For instance, speed was a factor in 29% of crash fatalities in 2021.[5]

The average cost of liability car insurance for drivers with a speeding ticket in Yuma is $107 per month. Here are other cheap insurance companies after a speeding ticket for you to compare.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners$38$49
Mile Auto$42$54
State Farm$47$60
GEICO$47$60
USAA$51$66
Metromile$62$84
Root$64$88
Sun Coast$65$90
National General$69$89
Allstate$78$100
Travelers$80$104
Progressive$81$103
Mercury$82$113
Safeco$84$110
Dairyland$87$112
Direct Auto$89$115
American Family$91$117
COUNTRY Financial$91$121
Clearcover$92$119
The Hartford$93$133
Farmers$94$120
The General$95$125
Bristol West$104$135
Nationwide$104$135
GAINSCO$105$145
Commonwealth Casualty$131$181
AssuranceAmerica$132$170
Liberty Mutual$138$191
Foremost$172$238
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Yuma County reported a little more than 2,600 car crashes in 2022, the most recent year with data available.[6] Car accidents can result in injury and death, which is why insurance companies increase rates for drivers who cause crashes. How much your car insurance increases after an accident in Yuma depends on the severity and claim payout amount.

Yuma drivers pay an average of $109 per month when they have an at-fault accident on their record. Here’s how car insurance companies’ rates change after an accident.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
Auto-Owners$38$51
Mile Auto$42$58
State Farm$47$62
GEICO$47$63
USAA$51$68
Metromile$62$88
Root$64$92
Sun Coast$65$91
National General$69$92
Allstate$78$104
Travelers$80$108
Progressive$81$109
Mercury$82$118
Safeco$84$111
Dairyland$87$115
Direct Auto$89$122
American Family$91$122
COUNTRY Financial$91$127
Clearcover$92$132
The Hartford$93$138
Farmers$94$125
The General$95$129
Bristol West$104$139
Nationwide$104$140
GAINSCO$105$134
Commonwealth Casualty$131$171
AssuranceAmerica$132$173
Liberty Mutual$138$197
Foremost$172$245
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Driving under the influence is a very serious violation that will almost certainly increase your premiums, even if you didn’t cause an accident. In 2022, Yuma Country reported 150 alcohol-related crashes, resulting in two deaths.[6] Arizona may revoke your license after a DUI conviction and require you to file an SR-22 form to reinstate it, which can also increase your premiums.

Drivers in Yuma pay an average of $125 per month for liability coverage after a DUI. Here are other cheap insurance options to consider.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
Auto-Owners$38$62
Mile Auto$42$68
State Farm$47$76
GEICO$47$76
USAA$51$83
Metromile$62$101
Root$64$93
Sun Coast$65$104
National General$69$112
Allstate$78$127
Travelers$80$130
Progressive$81$132
Mercury$82$123
Safeco$84$127
Dairyland$87$141
Direct Auto$89$145
American Family$91$148
COUNTRY Financial$91$148
Clearcover$92$150
The Hartford$93$139
Farmers$94$153
The General$95$154
Bristol West$104$169
Nationwide$104$169
GAINSCO$105$171
Commonwealth Casualty$131$213
AssuranceAmerica$132$215
Liberty Mutual$138$224
Foremost$172$280
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Your age is an important factor insurance companies consider when determining your premiums. While rates generally decrease as you get older, they can increase slightly around age 70 due to age-related issues that can affect driving ability.[7] Despite this increase, car insurance for seniors is still cheap compared to younger age groups.

In Yuma, senior drivers pay an average of $58 per month for liability coverage in Yuma.

Here are the most affordable car insurance companies in the city for older drivers.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Auto-Owners$29$47
Mile Auto$30$52
State Farm$35$57
GEICO$36$61
USAA$39$66
Metromile$48$80
Sun Coast$49$96
National General$50$117
Root$51$80
Progressive$55$98
Travelers$59$100
Allstate$59$98
Mercury$62$106
The Hartford$63$105
Dairyland$66$166
Direct Auto$66$142
Safeco$68$101
American Family$68$114
COUNTRY Financial$70$116
Farmers$70$117
The General$73$170
Nationwide$74$124
Clearcover$75$127
Bristol West$79$155
GAINSCO$84$194
AssuranceAmerica$94$167
Commonwealth Casualty$99$241
Liberty Mutual$110$166
Foremost$131$238
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Teenagers and young drivers pay the most for car insurance out of any other age group because they have the least experience and pose the highest risk behind the wheel.[8] But it’s still possible to get cheap car insurance as a teen driver. Look for teen-specific discounts, drive a low-value vehicle with plenty of safety features, and stay on your parents’ insurance for lower rates.

Yuma teens pay an average of $163 per month for liability car insurance. Here are the cheapest car insurance companies in Yuma for teen drivers.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Auto-Owners$71$118
GEICO$84$143
State Farm$90$149
Mile Auto$90$154
USAA$95$163
Root$108$169
Metromile$114$191
Sun Coast$136$270
COUNTRY Financial$149$246
National General$149$351
Allstate$154$255
Dairyland$157$396
Progressive$158$281
Travelers$160$269
Mercury$161$277
The General$169$394
American Family$175$294
Safeco$178$263
Direct Auto$180$389
Farmers$183$307
Clearcover$187$315
The Hartford$194$325
Bristol West$196$382
GAINSCO$202$467
Nationwide$202$340
Commonwealth Casualty$252$612
Liberty Mutual$264$398
AssuranceAmerica$268$475
Foremost$339$617
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Yuma

Quotes start at $38 per month for liability coverage

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Yuma car insurance quotes by credit tier

Arizona allows car insurance companies to use your credit history as a factor when determining your car insurance premiums.[3] Insurance companies believe that drivers with poor credit are more likely to file a claim, so they charge them more expensive premiums. Inversely, drivers with good credit pay cheaper average rates.

Here’s how credit history can affect car insurance rates in Yuma.

Rates by Credit Tier

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.

Is car insurance more expensive in Yuma?

On average, drivers in Yuma, Arizona, pay cheaper rates than drivers in other Arizona cities. For example, drivers in Phoenix pay an average of $116 per month for liability coverage and $216 per month for full coverage. One of the only Arizona cities where drivers pay cheaper average rates than Yuma is Lake Havasu City, which has even fewer residents than Yuma.

Yuma’s relatively small population and generally sunny climate help keep rates lower than in other cities.

More cities in Arizona

Here’s the average monthly cost of car insurance in other Arizona cities.

City
Average Quote: Liability Only
Average Quote: Full Coverage
Casa Grande$83$168
Flagstaff$69$133
Glendale$120$215
Lake Havasu City$59$113
Mesa$101$181
Phoenix$116$216
Scottsdale$98$180
Tempe$105$196
Tucson$88$166
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.

Yuma car insurance FAQs

Learn about same-day car insurance, and check out the answers to common questions about auto coverage in Yuma below.

  • How much is car insurance in Yuma?

    The average cost of car insurance in Yuma is $78 per month for liability only and $144 per month for full coverage.

  • Who has the cheapest car insurance in Yuma?

    Auto-Owners, Mile Auto, and State Farm are the cheapest car insurance companies in Yuma, with liability rates of $38, $42, and $47 per month, respectively.

    But the cheapest company for someone else may not be the cheapest for you. It’s important to compare rates from multiple companies to find the one that offers you the best deal. You can also use a quote-comparison website to help you look at multiple rates in one place.

  • What are the best car insurance companies in Yuma?

    Some of the best car insurance companies in Yuma include Auto-Owners, Mile Auto, and State Farm. These insurers offer relatively cheap average rates, advertise plenty of coverage options, and have high Insurify Quality (IQ) Scores.

  • What are the minimum car insurance requirements in Arizona?

    Arizona requires 25/50/15 liability limits, which translates to $25,000 per person and $50,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[4]

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. U.S. Census Bureau. "QuickFacts: Yuma city, Arizona."
  2. Visit Arizona. "Weather."
  3. Arizona Department of Insurance. "How Insurance Companies Use Credit Information."
  4. Arizona Department of Transportation. "Vehicle Insurance Information."
  5. Insurance Institute for Highway Safety. "Speed."
  6. Arizona Department of Transportation. "2022 Motor Vehicle Crash Facts for the State of Arizona."
  7. III. "Senior driving safety and insurance tips."
  8. Centers for Disease Control. "Teen Drivers and Passengers: Get the Facts."
Geoff Williams
Geoff Williams

Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

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