Cheapest Auto Insurance in Yuma, Arizona (2026)

The average monthly cost of insurance in Yuma is $104, based on Insurify‘s internal proprietary data. That’s less than the average cost of car insurance in Arizona of $126 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.

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	8.2	$104	$69	Families
Mile Auto	8.8	$113	$67	Low-mileage drivers
State Farm	9.3	$128	$85	Specialty coverage

Disclaimer: Table data sourced from real-time Yuma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Yuma may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

families

Compare Quotes

User Reviews	4.3 148 reviews
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.	8.2 /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.	$51/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.	$87/mo

Details

Driver Reviews

4.3

Best choice in Yuma, AZBased on 323 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Yuma for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Yuma for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 148 Auto-Owners reviews

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

Norberto

Verified Review

Excellent

Reviewed in Florida on March 21, 2026

Definitely not the cheapest insurance you can buy.

Wayne

Verified Review

Cost too much for someone who never had a claim

Reviewed in Florida on March 2, 2026

Never had a claim.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

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

• Doesn’t provide online quotes

Best insurer for low-mileage drivers: Mile Auto

low-mileage drivers

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User Reviews	4.5 66 reviews
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.	8.8 /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.	$55/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.	$96/mo

Details

Driver Reviews

4.5

Best choice in Yuma, AZBased on 193 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Yuma for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Yuma for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 66 Mile Auto reviews

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

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JD Power

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.

2.18

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.

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

specialty coverage

Compare Quotes

User Reviews	4.0 7,303 reviews
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.	$63/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.	$107/mo

Details

Driver Reviews

4.0

Best choice in Yuma, AZBased on 16,576 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Yuma for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Yuma for

Customer service

Competitive rates

Discounts for safe drivers

Showing 59 Arizona reviews for Yuma drivers - See all 7,303 State Farm reviews

Nancy

Verified Review

Cheap if they big brother you.

Reviewed in Arizona on March 26, 2026

Bait and switch. Then above average pricing.

Brenda

Verified Review

Expensive

Reviewed in Arizona on March 17, 2026

I find it expensive for someone on social security! No marks on my record and still no discounts!

Melanie

Verified Review

Be very cautious of the terms

Reviewed in Arizona on March 17, 2026

With 2 autos covered, if you cancel one for 1 day and then reinstate it, you are penalized for the remainder of the term.

Nancy

Verified Review

Excellent

Reviewed in Arizona on March 14, 2026

Great company but higher prices.

Kimberli

Verified Review

Expensive and Inexperienced

Reviewed in Arizona on March 9, 2026

My insurance rates increased even though I had no accidents. When I called customer service at the office I'm insured with, they seemed inexperienced and unhelpful.

Ernie

Verified Review

State Farm is Great

Reviewed in Arizona on March 9, 2026

Overall, I was trying to get quotes from several insurance companies. I had a third-party agent who contacted several insurance companies, but she wasn't able to find me a quote for less than $150 a month, which would be my monthly payment. That's crazy for an old car like my 1999 Honda Accord EX, and at the time, my car wasn't insured. So, I started my own search. I found State Farm, and let's just say I was able to get insured for less than $100. I paid that for 5 months. Before my birthday on February 1st, I called and spoke to an agent, and she was able to reduce my monthly payment to $47 and change.

Don

Verified Review

Liberty Woes

Reviewed in Arizona on February 24, 2026

I feel like I'm being punished for a car accident where I was hit from behind, which totaled my 2012 Jeep Liberty Limited and pushed me into the car in front of me. The other driver also had State Farm. I received $7,100 to get another 2012 Liberty Sport. Now, my monthly insurance with State Farm is $146, up from $80. Other companies, like Progressive, see the totaled Jeep and won't insure my current Jeep (same year, too confusing for them?).

Pat

Verified Review

Change of Agent

Reviewed in Arizona on February 24, 2026

I am sorry that the previous agent retired, but my new agent seems equally helpful.

Gabriel

Verified Review

Good Guy

Reviewed in Arizona on February 13, 2026

It was good. I forgot the name of the guy, but he really helped me. He was at one on Cardinal and Valencia. Yeah, he was very helpful and went out of his way for me. Thank you so much.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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 $50 per month

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Cheapest liability-only car insurance in Yuma: Just Pay-Per-Mile

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 $75 per month.

The table below shows the cheapest liability car insurance companies in Yuma.

The below rates in Yuma, AZ, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Just Pay-Per-Mile	$50
Auto-Owners	$51
Mile Auto	$55
Progressive	$60
State Farm	$63
Certainly	$64
Sun Coast	$66
Aspire General	$67
Novo Flex	$69
USAA	$70
Mercury	$71
Novo Next	$75
The General	$76
Dairyland	$79
Novo	$79
Just Unlimited	$82
Hiroad	$83
GEICO	$85
Bristol West	$86
Safeco	$86
National General	$87
Direct Auto	$91
Trexis	$97
Commonwealth Casualty	$99
AssuranceAmerica	$100
Root	$100
Clearcover	$102
GAINSCO	$102
Allstate	$104
Travelers	$108
Covercube	$110
COUNTRY Financial	$122
American Family	$123
The Hartford	$126
Farmers	$127
Liberty Mutual	$139
Nationwide	$142

Disclaimer: Table data sourced from real-time Yuma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Yuma 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 $132 per month for a full-coverage policy.

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

The below rates in Yuma, AZ, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$87
Just Pay-Per-Mile	$94
Mile Auto	$96
Novo Flex	$97
Novo Next	$104
State Farm	$107
Sun Coast	$112
Progressive	$119
USAA	$120
Novo	$122
Safeco	$122
Mercury	$124
Aspire General	$135
GEICO	$138
Hiroad	$152
Root	$156
Bristol West	$162
Just Unlimited	$162
National General	$169
Clearcover	$170
Direct Auto	$171
Certainly	$175
Allstate	$178
Liberty Mutual	$181
Travelers	$185
The General	$188
AssuranceAmerica	$195
Dairyland	$199
Trexis	$199
Commonwealth Casualty	$208
COUNTRY Financial	$209
American Family	$210
The Hartford	$215
Farmers	$217
Covercube	$224
GAINSCO	$230
Nationwide	$243

Disclaimer: Table data sourced from real-time Yuma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Yuma 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.

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 $60 for drivers with an incident

Enter your ZIP codeGet My Quotes

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4.7 out of 5 based on 13,063 reviews

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Cheapest car insurance for drivers with a speeding ticket: Just Pay-Per-Mile

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 $95 per month. Here are other cheap insurance companies after a speeding ticket for you to compare.

The below rates in Yuma, AZ, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Just Pay-Per-Mile	$50	$63
Auto-Owners	$51	$67
Mile Auto	$55	$68
Progressive	$60	$76
State Farm	$63	$80
Certainly	$64	$81
Sun Coast	$66	$84
Aspire General	$67	$85
Novo Flex	$69	$87
USAA	$70	$91
Mercury	$71	$100
Novo Next	$75	$95
The General	$76	$102
Dairyland	$79	$99
Novo	$79	$100
Just Unlimited	$82	$104
Hiroad	$83	$105
GEICO	$85	$112
Bristol West	$86	$109
Safeco	$86	$114
National General	$87	$109
Direct Auto	$91	$114
Trexis	$97	$123
Commonwealth Casualty	$99	$117
AssuranceAmerica	$100	$128
Root	$100	$134
Clearcover	$102	$133
GAINSCO	$102	$122
Allstate	$104	$136
Travelers	$108	$141
Covercube	$110	$139
COUNTRY Financial	$122	$168
American Family	$123	$161
The Hartford	$126	$175
Farmers	$127	$164
Liberty Mutual	$139	$178
Nationwide	$142	$185

Disclaimer: Table data sourced from real-time Yuma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Yuma may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Just Pay-Per-Mile

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 $101 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 in Yuma, AZ, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Just Pay-Per-Mile	$50	$68
Auto-Owners	$51	$68
Mile Auto	$55	$75
Progressive	$60	$81
State Farm	$63	$84
Certainly	$64	$86
Sun Coast	$66	$89
Aspire General	$67	$91
Novo Flex	$69	$93
USAA	$70	$95
Mercury	$71	$108
Novo Next	$75	$101
The General	$76	$106
Dairyland	$79	$106
Novo	$79	$107
Just Unlimited	$82	$111
Hiroad	$83	$112
GEICO	$85	$112
Bristol West	$86	$114
Safeco	$86	$122
National General	$87	$117
Direct Auto	$91	$125
Trexis	$97	$131
Commonwealth Casualty	$99	$132
AssuranceAmerica	$100	$134
Root	$100	$135
Clearcover	$102	$150
GAINSCO	$102	$132
Allstate	$104	$141
Travelers	$108	$147
Covercube	$110	$149
COUNTRY Financial	$122	$169
American Family	$123	$167
The Hartford	$126	$176
Farmers	$127	$171
Liberty Mutual	$139	$187
Nationwide	$142	$193

Disclaimer: Table data sourced from real-time Yuma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Yuma may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Just Pay-Per-Mile

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 $105 per month for liability coverage after a DUI. Here are other cheap insurance options to consider.

The below rates in Yuma, AZ, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Just Pay-Per-Mile	$50	$70
Auto-Owners	$51	$74
Mile Auto	$55	$79
Progressive	$60	$84
State Farm	$63	$91
Certainly	$64	$90
Sun Coast	$66	$93
Aspire General	$67	$94
Novo Flex	$69	$97
USAA	$70	$101
Mercury	$71	$107
Novo Next	$75	$105
The General	$76	$110
Dairyland	$79	$114
Novo	$79	$111
Just Unlimited	$82	$115
Hiroad	$83	$116
GEICO	$85	$121
Bristol West	$86	$124
Safeco	$86	$132
National General	$87	$126
Direct Auto	$91	$131
Trexis	$97	$136
Commonwealth Casualty	$99	$143
AssuranceAmerica	$100	$144
Root	$100	$145
Clearcover	$102	$147
GAINSCO	$102	$147
Allstate	$104	$150
Travelers	$108	$156
Covercube	$110	$154
COUNTRY Financial	$122	$169
American Family	$123	$178
The Hartford	$126	$189
Farmers	$127	$183
Liberty Mutual	$139	$201
Nationwide	$142	$205

Disclaimer: Table data sourced from real-time Yuma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Yuma 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 $63 per month for liability coverage in Yuma.

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

The below rates in Yuma, AZ, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Auto-Owners	$40	$68
Just Pay-Per-Mile	$42	$79
Mile Auto	$42	$74
State Farm	$49	$83
Progressive	$50	$99
Certainly	$53	$146
Sun Coast	$55	$94
Aspire General	$56	$113
Mercury	$56	$97
USAA	$56	$96
Novo Flex	$58	$81
Novo Next	$63	$87
The General	$63	$156
Dairyland	$66	$165
GEICO	$66	$108
Novo	$66	$102
National General	$67	$131
Hiroad	$69	$127
Just Unlimited	$69	$135
Bristol West	$70	$133
Direct Auto	$72	$136
Safeco	$74	$105
AssuranceAmerica	$77	$150
Commonwealth Casualty	$78	$165
Trexis	$81	$166
Root	$82	$128
Allstate	$83	$142
GAINSCO	$85	$192
Travelers	$85	$145
Clearcover	$88	$147
The Hartford	$89	$151
Covercube	$92	$187
COUNTRY Financial	$95	$164
American Family	$97	$165
Farmers	$99	$169
Nationwide	$107	$183
Liberty Mutual	$114	$149

Disclaimer: Table data sourced from real-time Yuma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Yuma may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Just Pay-Per-Mile

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 $164 per month for liability car insurance. Here are the cheapest car insurance companies in Yuma for teen drivers.

The below rates in Yuma, AZ, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Just Pay-Per-Mile	$109	$205
Auto-Owners	$112	$191
Mile Auto	$123	$215
Progressive	$131	$260
State Farm	$134	$227
Certainly	$140	$382
USAA	$143	$244
Sun Coast	$144	$244
Mercury	$145	$253
Aspire General	$146	$295
The General	$147	$364
Dairyland	$150	$378
Novo Flex	$151	$212
Novo Next	$164	$227
GEICO	$168	$272
Bristol West	$169	$319
Novo	$172	$266
Just Unlimited	$179	$354
Hiroad	$181	$332
Clearcover	$187	$311
Safeco	$189	$268
Root	$191	$298
Direct Auto	$192	$360
National General	$192	$374
Commonwealth Casualty	$202	$425
GAINSCO	$205	$462
Trexis	$212	$434
COUNTRY Financial	$218	$373
Allstate	$225	$385
AssuranceAmerica	$226	$441
Covercube	$240	$489
Travelers	$244	$419
American Family	$256	$436
Liberty Mutual	$271	$352
Farmers	$276	$472
Nationwide	$304	$520
The Hartford	$305	$521

Disclaimer: Table data sourced from real-time Yuma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Yuma 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.

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 $125 per month for liability coverage and $206 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	$86	$156
Flagstaff	$75	$123
Glendale	$123	$204
Lake Havasu City	$64	$106
Mesa	$103	$170
Phoenix	$125	$206
Scottsdale	$100	$158
Tempe	$109	$178
Tucson	$90	$153

Disclaimer: Table data is based on real-time Yuma quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Yuma car insurance FAQs