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Cheapest recent rates near Yuma, Arizona
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $49/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 October 30, 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 October 30, 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 October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $139 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]
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.
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
$79
$47
Families
Mile Auto
7.5
$84
$50
Low-mileage drivers
State Farm
9.3
$98
$58
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.
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.
$39/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.
$65/mo
4.0
Best choiceBased on 137 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 (86)
Ronald W
October 29, 2024
Verified Review
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha
October 28, 2024
Verified Review
Good
The premiums keep increasing.
Lawrence
October 24, 2024
Verified Review
Honest Answers to Questions
Please refer to my answers to the previous questions.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.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
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.
$41/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.
$67/mo
4.1
Best choiceBased on 50 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.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.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).
NR
Why 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.
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.
$80/mo
4.2
Best choiceBased on 8831 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 (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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 $39 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$39
Mile Auto
$41
State Farm
$47
GEICO
$49
Root
$51
USAA
$53
Sun Coast
$62
Metromile
$63
National General
$64
Midvale Home & Auto
$70
Safeco
$71
Allstate
$79
Progressive
$80
Direct Auto
$81
Travelers
$82
Mercury
$83
Dairyland
$88
Hallmark
$88
COUNTRY Financial
$92
American Family
$93
Farmers
$96
The Hartford
$96
The General
$97
GAINSCO
$99
Nationwide
$108
Bristol West
$112
Infinity
$112
Liberty Mutual
$116
AssuranceAmerica
$124
Commonwealth Casualty
$136
Foremost
$173
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 $149 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$65
Mile Auto
$67
State Farm
$80
GEICO
$83
Root
$88
USAA
$90
Metromile
$108
Safeco
$111
Midvale Home & Auto
$114
Sun Coast
$129
Allstate
$134
Travelers
$139
Progressive
$141
Mercury
$143
National General
$151
Infinity
$154
State Auto
$155
COUNTRY Financial
$157
American Family
$158
The Hartford
$162
Farmers
$164
Nationwide
$168
Direct Auto
$180
Liberty Mutual
$196
AssuranceAmerica
$200
Hallmark
$205
Dairyland
$210
Bristol West
$215
The General
$216
GAINSCO
$226
Foremost
$298
Commonwealth Casualty
$319
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 $49/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 October 30, 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 October 30, 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 October 30, 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 October 30, 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.
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.
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
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 $109 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Auto-Owners
$39
$51
Mile Auto
$41
$54
State Farm
$47
$60
GEICO
$49
$63
Root
$51
$70
USAA
$53
$68
Sun Coast
$62
$87
Metromile
$63
$86
National General
$64
$83
Safeco
$71
$93
Allstate
$79
$102
Progressive
$80
$103
Direct Auto
$81
$104
Travelers
$82
$107
Mercury
$83
$115
Dairyland
$88
$114
COUNTRY Financial
$92
$122
American Family
$93
$120
Farmers
$96
$123
The Hartford
$96
$137
The General
$97
$127
GAINSCO
$99
$138
Nationwide
$108
$141
Bristol West
$112
$145
Infinity
$112
$150
Liberty Mutual
$116
$162
AssuranceAmerica
$124
$162
Commonwealth Casualty
$136
$190
Foremost
$173
$241
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 $111 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Auto-Owners
$39
$53
Mile Auto
$41
$58
State Farm
$47
$63
GEICO
$49
$66
Root
$51
$73
USAA
$53
$71
Sun Coast
$62
$89
Metromile
$63
$89
National General
$64
$87
Safeco
$71
$93
Allstate
$79
$106
Progressive
$80
$109
Direct Auto
$81
$111
Travelers
$82
$111
Mercury
$83
$119
Dairyland
$88
$118
COUNTRY Financial
$92
$129
American Family
$93
$125
Farmers
$96
$128
The Hartford
$96
$142
The General
$97
$133
GAINSCO
$99
$127
Nationwide
$108
$147
Bristol West
$112
$149
Infinity
$112
$148
Liberty Mutual
$116
$167
AssuranceAmerica
$124
$165
Commonwealth Casualty
$136
$179
Foremost
$173
$249
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 $127 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Auto-Owners
$39
$64
Mile Auto
$41
$67
State Farm
$47
$77
GEICO
$49
$80
Root
$51
$84
USAA
$53
$87
Sun Coast
$62
$101
Metromile
$63
$103
National General
$64
$105
Safeco
$71
$116
Allstate
$79
$130
Progressive
$80
$131
Direct Auto
$81
$133
Travelers
$82
$134
Mercury
$83
$124
Dairyland
$88
$144
COUNTRY Financial
$92
$151
American Family
$93
$152
Farmers
$96
$157
The Hartford
$96
$143
The General
$97
$159
GAINSCO
$99
$162
Nationwide
$108
$177
Bristol West
$112
$184
Infinity
$112
$184
Liberty Mutual
$116
$190
AssuranceAmerica
$124
$203
Commonwealth Casualty
$136
$223
Foremost
$173
$284
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$29
$48
Mile Auto
$29
$48
State Farm
$35
$59
GEICO
$37
$63
Root
$40
$69
USAA
$40
$68
National General
$46
$110
Sun Coast
$46
$95
Metromile
$48
$82
Progressive
$54
$95
Safeco
$57
$89
Allstate
$60
$102
Direct Auto
$60
$133
Mercury
$61
$105
Travelers
$61
$103
The Hartford
$64
$108
Dairyland
$66
$159
American Family
$69
$117
COUNTRY Financial
$70
$119
Farmers
$71
$121
The General
$75
$167
Nationwide
$76
$119
GAINSCO
$79
$180
Infinity
$80
$111
Bristol West
$85
$163
AssuranceAmerica
$89
$143
Liberty Mutual
$92
$155
Commonwealth Casualty
$103
$241
Foremost
$130
$224
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 $160 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$72
$120
GEICO
$85
$144
Root
$85
$146
Mile Auto
$86
$140
State Farm
$87
$149
USAA
$97
$164
Metromile
$114
$196
Sun Coast
$127
$265
National General
$136
$321
COUNTRY Financial
$148
$252
Allstate
$152
$257
Safeco
$153
$239
Progressive
$155
$273
Dairyland
$158
$377
Direct Auto
$160
$355
Travelers
$161
$272
Mercury
$162
$279
The General
$170
$378
American Family
$176
$298
Farmers
$183
$312
GAINSCO
$188
$429
The Hartford
$198
$334
Nationwide
$203
$316
Bristol West
$207
$397
Infinity
$221
$304
Liberty Mutual
$223
$377
AssuranceAmerica
$248
$399
Commonwealth Casualty
$259
$607
Foremost
$334
$575
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.
Find Car Insurance in Yuma
Quotes start at $39 per month for liability coverage
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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 $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.
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 $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.
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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
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