Cheapest Auto Insurance in Yuma, Arizona (2024)

Auto-Owners has the cheapest car insurance in Yuma, with rates of $39 per month.

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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3+ years producing insurance and personal finance content

Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated July 15, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

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Cheapest recent rates near Yuma, Arizona

We just helped a driver in Flagstaff, Arizona cover their Honda Civic with this quote from Liberty Mutual.

A Tucson, Arizona driver just saved on coverage for their Chevrolet Equinox with this quote from Mile Auto.

Farmers's average rate for Arizona drivers with good credit and a clean driving record.

We just helped a driver in Tucson, Arizona cover their Nissan Rogue with this quote from Sun Coast.

A Lake Havasu City, Arizona driver just saved on coverage for their RAM 3500 with this quote from Certainly.

Bristol West helped a Nissan Pathfinder driver in Coolidge, Arizona save on car insurance with this quote.

We just helped a driver in Safford, Arizona cover their Ford Five Hundred with this quote from GAINSCO.

A Waddell, Arizona driver just saved on coverage for their Chevrolet Silverado with this quote from Mercury.

Safeco helped a KIA Soul driver in Sierra Vista, Arizona save on car insurance with this quote.

*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on July 11, 2024

Progressive helped a KIA Soul driver in Glendale, Arizona save on car insurance with this quote.

A Tempe, Arizona driver just saved on coverage for their Mazda 3 with this quote from Liberty Mutual.

Farmers's average rate for Arizona drivers with good credit and a clean driving record.

Certainly helped a Ford F-Series Pickup driver in Kayenta, Arizona save on car insurance with this quote.

A Tucson, Arizona driver just saved on coverage for their Saturn VUE with this quote from National General.

We just helped a driver in Parker, Arizona cover their Dodge RAM 2500 with this quote from HiRoad.

Safeco helped a Toyota Tundra driver in Chandler, Arizona save on car insurance with this quote.

A Tolleson, Arizona driver just saved on coverage for their Chevrolet GMT-400 with this quote from Mercury.

We just helped a driver in Wittmann, Arizona cover their Honda CR-V with this quote from Direct Auto.

*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on July 11, 2024

The average monthly cost of insurance in Yuma is $114, based on Insurify’s internal proprietary data. That’s less than the average cost of car insurance in Arizona of $142 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.

The average monthly cost of car insurance in Yuma is $78 for liability only and $149 for full coverage.

Auto-Owners is the cheapest car insurance company for full coverage, with a monthly rate of $65.

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.

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.

Best insurer for families: Auto-Owners

familiesAuto-Owners

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.

A++ (Superior) AM Best financial strength rating

Offers plenty of discounts for potential savings

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

Doesn’t provide online quotes

Great, Except for the Price

Excellent

Rate Increases Too Much for Someone on a Fixed Income

Best insurer for low-mileage drivers: Mile Auto

low-mileage driversMile Auto

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.

Low average car insurance rates in Yuma

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

No mobile app for policy management 

Limited customizable coverage options

Sometimes Better Than Others

Best insurer for specialty coverage: State Farm

specialty coverageState Farm

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.

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

A++ (Superior) AM Best financial strength rating

Doesn’t offer gap insurance

Can’t get a quote online

Customer Service

Average

Price Variation

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 $39 per month

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.

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 $149 per month for a full-coverage policy.

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

Cheapest recent rates near Yuma, Arizona

Liberty Mutual helped a Honda Civic driver in Flagstaff, Arizona save on car insurance with this quote.

A Tucson, Arizona driver just saved on coverage for their Chevrolet Equinox with this quote from Mile Auto.

Farmers's average rate for Arizona drivers with good credit and a clean driving record.

Mercury helped a Honda Civic driver in Casa Grande, Arizona save on car insurance with this quote.

A Lake Havasu City, Arizona driver just saved on coverage for their Chevrolet Tahoe with this quote from Safeco.

We just helped a driver in Nogales, Arizona cover their Toyota Tacoma with this quote from Bristol West.

*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on July 11, 2024

Liberty Mutual helped a Mazda 3 driver in Tempe, Arizona save on car insurance with this quote.

We just helped a driver in Glendale, Arizona cover their KIA Soul with this quote from Progressive.

State Farm's average rate for Arizona drivers with good credit and a clean driving record.

Certainly helped a Ford F-Series Pickup driver in Kayenta, Arizona save on car insurance with this quote.

We just helped a driver in Scottsdale, Arizona cover their Chevrolet Spark with this quote from Mile Auto.

A Phoenix, Arizona driver just saved on coverage for their BMW 3-Series with this quote from Just Insure.

*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on July 11, 2024

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]

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

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.

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

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

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.

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

How Much Car Insurance Do You Need? (2024)

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 $48 for drivers with an incident

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 $112 per month. Here are other cheap insurance companies after a speeding ticket for you to compare.

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 $113 per month when they have an at-fault accident on their record. Here’s how car insurance companies’ rates change after an accident.

Cheapest car insurance for drivers with a DUI: Mile Auto

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 $129 per month for liability coverage after a DUI. Here are other cheap insurance options to consider.

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 $55 per month for liability coverage in Yuma.

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

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 $153 per month for liability car insurance. Here are the cheapest car insurance companies in Yuma for teen drivers.

Find Car Insurance in Yuma

Quotes start at $39 per month for liability coverage

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.

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 $117 per month for liability coverage and $227 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.

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 $149 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 $39, $41, 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.

How much is car insurance per month in Arizona?

The average cost of car insurance in Arizona is $93 per month for liability coverage and $191 per month for full coverage.

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:

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

Sources

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.”

3+ years producing insurance and personal finance content

Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

Featured in

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