Cheap Auto Insurance Quotes in Yuma, AZ (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Yuma has 98,000 plus sun-loving residents, and driving is the main mode of transportation. You can find a car insurance deal so refreshing it'll be an oasis in the middle of the Arizona desert.

Over 93 percent of Yuma households own cars. With that many people cruising up and down the dusty roads, a rock-solid auto insurance policy becomes a grand part of living in the Grand Canyon State.

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.

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Cheapest Car Insurance in Yuma, AZ

Here are the cheapest carriers in Yuma for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Yuma. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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

Yuma, AZ Driving Facts

Minimum Car Insurance Requirements in AZ

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.

Arizona's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
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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
teens$307
20s$187
30s$126
40s$231
50s$263
60s$117
70s$143
80s$165
Driving HistoryAvg. Monthly Cost
No Violation$186
Speeding Ticket$224
At-Fault Accident$195
Failure to Stop for Red Light / Stop Sign$766

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.

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 TieAvg. Monthly Cost
Excellent$170
Good$155
Average$207
Poor$164

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Yuma stacks up for the state of Arizona:

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Toyota Camry
Most Popular Car in
Yuma, AZ
suspended licenses
#12
Cities with Most
Suspended Licenses Rank
Most Patriotic City

Most Patriotic City

Yuma

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Prescott won Insurify's Most Patriotic Cities Award for the state of Arizona. The Prescott mayor's office recently instituted a Veterans Affairs Committee to serve the community's high military population.


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.