Cheapest Auto Insurance in Yuma, Arizona (2024)
Auto-Owners has the cheapest car insurance in Yuma, with rates of $38 per month.
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Written byGeoff Williams
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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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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
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 November 21, 2024
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Table of contents
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-Owners | 8.5 | $77 | $46 | Families |
| Mile Auto | 7.5 | $88 | $51 | Low-mileage drivers |
| State Farm | 9.3 | $95 | $57 | Specialty 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 141 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 (89)
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.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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 53 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.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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 9037 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 (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
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 using Insurify have found quotes as cheap as $34/mo for liability only and $41/mo for full coverage in Yuma and other Arizona cities.
*Quotes generated for Insurify users in and around Yuma, Arizona within the last 10 days. Last updated on November 21, 2024
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 21, 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 21, 2024
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 21, 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:
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.
Comprehensive coverage
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
Uninsured/underinsured motorist coverage pays for your damages and injuries if someone without insurance — or without enough insurance — causes an accident.
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.
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?
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
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.
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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.
How much is car insurance per month in Arizona?
The average cost of car insurance in Arizona is $92 per month for liability coverage and $180 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:
- 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
- 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.
Related articles
More cities in Arizona
Sources
- U.S. Census Bureau. "QuickFacts: Yuma city, Arizona."
- Visit Arizona. "Weather."
- Arizona Department of Insurance. "How Insurance Companies Use Credit Information."
- Arizona Department of Transportation. "Vehicle Insurance Information."
- Insurance Institute for Highway Safety. "Speed."
- Arizona Department of Transportation. "2022 Motor Vehicle Crash Facts for the State of Arizona."
- III. "Senior driving safety and insurance tips."
- Centers for Disease Control. "Teen Drivers and Passengers: Get the Facts."
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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 MikulskiSenior Editor, Auto
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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