Cheap Auto Insurance Quotes in Yuma, AZ (2023)

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.

See More:

• Cheap Car Insurance Arizona

• Compare Car Insurance

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!

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 .

See More: Best Car Insurance Companies

Average Car Insurance Cost

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

Minimum Car Insurance Requirements in Arizona

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.

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.

See More:

• High-risk Car Insurance Arizona

• DUI Car Insurance Arizona

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.

See More: Bad Credit Car Insurance Arizona

Find local Yuma agents

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.

For more detailed Arizona city level guides, check out these below.

• Average Cost of Car Insurance Rates in Arizona

• DUI Car Insurance Rates in Arizona

• High-Risk Driver Car Insurance Rates in Arizona

• Arizona Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Arizona

• SR-22 Insurance in Arizona

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.