Yuma, AZ Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Yuma.
How much does car insurance cost in Yuma?
The average cost of car insurance in Yuma, is $645 each six-months. That's cheaper than the Arizona average ($735) and less expensive than the national average of $880. Our guide to Yuma car insurance includes average rates based on age, credit score, and other factors. Read on to learn more!
| Car insurance in Yuma vs. Arizona | Average 6 Mo. Premium |
|---|---|
| Yuma average | $645 |
| Arizona average | $735 |
The Zebra's key takeaways about car insurance in Yuma:
- The average cost of a car insurance policy in Yuma is $645 per six-month policy — $107 per month.
- The cheapest company in Yuma is GEICO ($343).
- 36% of Zebra customers in Yuma stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Yuma car insurance rates by company
One way to save on auto insurance is to compare rates from multiple car insurers and to choose the insurer that best fits your coverage needs. For a typical driver, GEICO offers Yuma's most affordable premiums. See below the best options for affordable auto insurance in Yuma. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $343 |
| USAA | $600 |
| State Farm | $653 |
| Progressive | $667 |
| American Family | $712 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Yuma.
Yuma auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 26% of Yuma drivers. The age group that pays the least for car insurance in Yuma are drivers in their 50s ($566 per six-months). Those in their 60s don't pay much more ($587).
Teenage drivers pay Yuma's most expensive auto insurance rates. When drivers hit their 20s in Yuma and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Yuma is $3,330, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $2,496 |
| 20s | $831 |
| 30s | $637 |
| 40s | $613 |
| 50s | $566 |
| 60s | $587 |
| 70s | $727 |
Yuma car insurance rates by credit score
It's no secret that credit score is closely correlated with auto insurance rates. In fact, Yuma drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 59% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in the search for cheaper car insurance rates. In Yuma, improving your credit to "Fair" corresponds with a $314 decrease in six-month car insurance rates.  Our data tells us 33% of drivers in Yuma have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,344 |
| Fair | $1,030 |
| Good | $825 |
| Very Good | $679 |
| Exceptional | $551 |
Yuma car insurance rates by violation
Maintaining a clean driving record is a goodway to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents are likely to cause your auto insurance rates to spike.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Yuma, a reckless driving citation results in an average insurance rate increase of $545 per year, compared to the citywide average. For the sake of comparison, a DUI offense results in a $696 increase, and a speeding ticket leads to a $341 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $993 |
| Reckless Driving | $918 |
| At-fault Accident (damages less than $1,000) | $816 |
| At-fault Accident (damages greater than $2,000) | $937 |
| Speeding Ticket (16-20 mph over speed limit) | $816 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.