The best car insurance in Yuma, AZ

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 12, 2021

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The average cost of full coverage car insurance in Yuma is $1,395, but that doesn't mean every driver will pay the same amount for car insurance. How much you’ll pay for coverage depends on where you live, your age, driving history and even your credit score.

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The best way to find affordable coverage is to compare quotes from multiple companies before you buy a policy. Policygenius can help you see options from top car insurance companies so you can easily see what you’ll pay and choose the best policy for you

Key Takeaways

  • Root has the lowest average rate for full coverage car insurance in Arizona at $664

  • Auto-Owners Insurance is the second-cheapest company in Yuma, at an average rate of $771 for a full coverage policy

  • Arizona requires a minimum of $25,000 per person/$50,000 per accident in bodily injury liability coverage and $15,000 in property damage liability coverage.

Cheapest car insurance companies in Yuma, AZ

There are a number of factors insurance companies analyze when calculating your rates. Everything from age, driving history, address, and credit score can affect what you’ll pay. But the company you choose also makes a big difference, which is why it’s so important to shop around.

Company

Average cost

JD Power Rating

Root

$664

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Auto-Owners Insurance

$771

890

GEICO

$888

871

USAA

$1,161

890

Iowa Farm Bureau

$1,197

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Cheapest car insurance rates by ZIP code in Yuma, AZ

Things like crime rates, frequency of traffic accidents, and even off-street parking are used to determine rates in your specific ZIP code. That’s why rates can vary from neighborhood to neighborhood.

ZIP code

Average cost

85364

$1,399

85365

$1,390

Choosing the right car insurance company in Yuma, AZ

Choosing a car insurance policy can seem overwhelming, but it doesn't have to be. There are a few key factors to consider when picking the right car insurance company.

  • Cost: Different companies charge different rates for similar coverage, that's why it's important to look at quotes from multiple insurance companies to find the best rate. 

  • Coverage: Make sure the company you choose offers the coverage you need. If you need multiple policies or types of coverage, consider bundling them together for discounts. 

  • Customer service: Do a little research about the insurance company itself. Check customer reviews or ratings to see how the company stacks up. 

If you're ready to start shopping, Policygenius can help you compare quotes from top car insurance companies.

Car insurance rates for drivers with driving violations in Yuma, AZ

Driving history and past violations can have a major impact on car insurance rates. As a general rule, drivers with speeding tickets or other moving violations will pay higher car insurance rates, and the more serious the infraction, the more you’ll pay.

Violation

Root

Auto-Owners Insurance

GEICO

USAA

Iowa Farm Bureau

At-fault Accident

$872

$1,111

$1,361

$1,816

$2,074

DUI

$633

$1,426

$1,690

$2,922

$2,592

Driving with a suspended license

$875

$1,426

$1,690

$2,793

$2,592

Driving with an open container

$633

$1,426

$1,690

$1,709

$1,455

Driving with expired registration

$824

$797

$990

$1,849

$1,455

Driving without Lights

$824

$797

$990

$1,608

$1,455

Failure to show documents

$824

$797

$954

$1,849

$1,455

Failure to stop at a red light

$824

$797

$990

$1,608

$1,455

Cheapest car insurance for drivers with bad credit in Yuma, AZ

Drivers with lower credit scores can expect to pay higher insurance rates and vice versa. Drivers with poor credit should be sure to research their options and shop around before buying a policy.

Company

Rates for drivers with bad credit

Root

$847

GEICO

$1,244

Safeway Insurance

$1,480

Nationwide

$1,767

Iowa Farm Bureau

$1,952

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Buying car insurance in Yuma, AZ

The minimum required car insurance coverage in Arizona is $25,000 per person/$50,000 per accident in bodily injury liability coverage and $15,000 in property damage liability coverage.

Additionally, Arizona is an at-fault state. This means that the insurance company of the driver who is determined to have caused the accident will be responsible for paying out for the other party’s repair bills or medical costs.

How to get cheap car insurance in Yuma, AZ

Car insurance can be expensive but there are ways to offset the cost and find cheaper auto insurance, no matter who you are.

  • Ask about discounts

  • Bundle your auto and home or renters policies with the same company

  • Reduce coverage on older cars

  • Maintain a good credit score or repair low credit

  • Take driver’s education courses

  • Reshop your car insurance yearly to make sure you’re not missing out on cheaper rates

Frequently asked questions

I'm about to turn 25, will my rates increase or decrease?

It's common for drivers to see car insurance rates decrease after they turn 25, but it's not a guarantee. A lot of that depends on a combination of other factors, like driving history and location.

What's considered a bad credit score?

Credit scores fall on a scale that ranges from 300 to 850. A credit score is considered fair when it’s between 601 and 660. Poor credit is usually anywhere between 500 and 600. Credit scores lower than 500 are considered very poor.

Is cutting coverage the only way to save money on car insurance?

Absolutely not. There are a lot of ways you can make your car insurance more affordable. Consider taking driver’s education courses for discounts or reshopping your car insurance to see if you can find cheaper rates with another company.

How do Arizona car insurance rates compare to the national average?

The average cost for full coverage car insurance in the state of Arizona is $1,565. This is less than $100 higher than the national average in the U.S., which comes in at $1,674.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.