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Cheap Auto Insurance Quotes in Yuma, AZ (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
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.
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.
Quotes by Top Companies
State Farm$62
Allstate$82
Travelers$109
The General$162
Liberty Mutual$183
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 Yuma | Quotes |
|---|---|
| State Farm | $62 /mo |
| Allstate | $82 /mo |
| Travelers | $109 /mo |
| The General | $162 /mo |
| Liberty Mutual | $183 /mo |
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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 Companies | Score | Quotes |
|---|---|---|
| Clearcover | 97 | $101 /mo |
| Nationwide | 89 | $173 /mo |
| American Family | 89 | $218 /mo |
| Safeco | 86 | $173 /mo |
| Liberty Mutual | 82 | $212 /mo |
See More: Best Car Insurance Companies
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
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 Age | Avg. Monthly Cost |
|---|---|
| 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 History | Avg. 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 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 Tier | Avg. Monthly Cost |
|---|---|
| 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 85365-3289R. L. Jones Insurance Services, Inc.
2180 S 4th Ave,
Yuma, AZ 85364-6478A.T. Pancrazi Insurance
350 W 16th St Ste 103,
Yuma, AZ 85364-4643Creative Insurance Solutions, Inc.
1405 W 16Th St Ste A,
Yuma, AZ 85364-4579Schofield Family Insurance LLC
2435 S 8th Ave,
Yuma, AZ 85364-7107R. L. Sullivan Insurance Agency, LLC
992 W 16th St,
Yuma, AZ 85364-4543Yuma Risk Management Group
220 E 16Th St Ste 3,
Yuma, AZ 85364-4714Yuma Insurance, Inc.
2691 S 4th Ave,
Yuma, AZ 85364-7256Yuma Foothills Insurance
11487 S Fortuna Rd #3,
Yuma, AZ 85367Fogle Insurance Agency
390 W Catalina Dr,
Yuma, AZ 85364
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
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. 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. 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.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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.
Nissan Sentra
Most Popular Car in Yuma
#16
City with the Most Speeding Tickets Rank in Arizona
#42
City with the Most Moving Violations Rank in Arizona
#16
City with the Most DUIs Rank in Arizona
#34
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 29 in the number of car accidents per driver across all cities in Arizona.
- Rank within state: #29
- Percent of drivers in Yuma with an accident: 7.19%
- Drivers in Yuma, AZ with an accident in their driving history pay on average 31.09% more than drivers with a clean record
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 16 in the number of speeding infractions per driver.
- Rank within state: #16
- Percent of drivers in Yuma with a speeding ticket: 8.41%
- Drivers in Yuma, AZ with a speeding ticket in their driving history pay on average 28.57% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Yuma drivers rank 16 in the number of DUI’s per driver across all cities in Arizona.
- Rank within state: #16
- Percent of drivers in Yuma with a DUI: 2.18%
- Drivers in Yuma, AZ with a DUI in their driving history pay on average 39.5% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Yuma is the Nissan Sentra.
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 10 in rude driving infractions.
- Rank within state: #10
- Percent of drivers in Yuma with a reckless driving violation: 2.26%
- Drivers in Yuma, AZ with a reckless driving violation in their driving history pay on average 2.52% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Yuma drivers rank 4 in clean driving records across all cities in Arizona.
- Rank within state: #4
- Percent of drivers in Yuma with clean record: 84.48%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Yuma drivers rank 8 in failure to yield violations per driver across all cities in Arizona.
- Rank within state: #8
- Percent of drivers in Yuma with a failure to yield violation: 0.57%
- Drivers in Yuma, AZ with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
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 4 in the number of reckless driving offenses per driver.
- Rank within state: #4
- Percent of drivers in Yuma with a reckless driving offense: 0.16%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Yuma drivers rank 8 in hybrid and electric vehicle ownership across all cities in Arizona.
- Rank within state: #8
- Percent of drivers in Yuma with a hybrid/electric vehicle: 1.76%
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.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others
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