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As a small portion of Arizona’s total population, Yuma drivers can take advantage of inexpensive auto insurance coverage. Based on average annual premiums, Yuma drivers pay approximately $490 per year for minimum coverage and $1,439 per year for full coverage. That’s significantly lower than the national average cost of auto insurance, which is $565 per year for minimum coverage and $1,674 for comprehensive auto insurance.

If you are looking for the best cheap car insurance in Yuma, Bankrate has made it easy for you to find the best cheap car insurance. We looked at multiple carriers’ rate data from Quadrant Data Services, along with key facts like customer service scores, financial strength ratings, coverages, and discounts to find the carriers that offer the best cheap car insurance. in Yuma.

Best Car Insurance Companies in Yuma

The best car insurance companies on our list in Yuma are Geico, Nationwide, Travelers, and Allstate. These four providers stand out not only for having high customer satisfaction ratings, but also for their financial strength, discounts, coverage options, and digital tools. Each operator also offers competitive rates to work with almost any budget.

insurance company JD Power Score
(South West Region)
Average annual premium for minimum coverage Average annual premium for full coverage
Geico 829/1000 $315 $882
At national scale N / A $336 $938
Travelers 792/1000 $413 $1,034
Allstate 822/1000 $475 $1,523

Geico

On average, Geico offers some of the cheapest rates for insurance premiums in Yuma, as well as a variety of discounts for additional savings. Members of Marine Corp Air Station (MCAS) Yuma will likely appreciate the military discounts and federal employee savings that Geico has to offer. Other discounts include policy bundling, safety gear features, and club membership.

Learn more: Geico Insurance Review

At national scale

Nationwide offers Yuma residents several ways to customize their auto insurance coverage and take advantage of discounts. Yuma residents pay less on average with Nationwide compared to other major insurers, paying an average of $336 per year for minimum coverage and an average of $938 per year for full coverage. Discounts on offer are also plentiful, with the SmartRide app for safe riding as well as options for multi-policy, claim-free and student voucher discounts, to name a few.

Learn more: National Insurance Examination

Travelers

Traveler auto insurance rates are well below average in Yuma. The average full coverage policy costs $1,034 per year and the average minimum coverage policy costs $413 per year. Travelers offers many coverage options, such as accident forgiveness, carpooling, and new car replacement coverage. Yuma drivers could save even more money on their policy by enrolling in the Travelers’ IntelliDrive safe driver discount program.

Learn more: Travelers Insurance Review

Allstate

Allstate offers competitive pricing, high customer satisfaction ratings, and financial stability, all in one company. For Yuma residents with a short commute, Allstate’s pay-per-mile insurance program MileWise could save you even more. Plus, the Allstate mobile app helps make the customer experience even more convenient by providing the ability to get an online quote, pay your bill, contact your agent, and request roadside assistance.

Learn more: Allstate Insurance Review

Cheapest car insurance in Yuma

The average cost of car insurance in the United States is $565 per year for minimum coverage and $1,674 per year for full coverage. Arizona, with average rates of $555 per year for the minimum and $1,547 per year for the full, is slightly below the national average. In Yuma, it seems even cheaper to insure your car, with an average annual premium for minimum coverage of $490 and $1,439 for full coverage.

insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $315 $882
At national scale $336 $938
Mercury $346 $1,197
AAA $405 $1,301
Travelers $413 $1,034

Each carrier has its own strengths and weaknesses. Choosing one means looking at a variety of factors, such as customer service ratings and coverage options. Geico is above average in the 2021 JD Power Auto Claims Satisfaction Studyalthough Nationwide and Travelers only trail by a few points.

If digital tools are important to you, each of these carriers offers a mobile app for ultimate convenience. However, the AAA and Mercury apps do not offer all of the functionality, such as submitting claims, that the Geico, Nationwide, and Travelers apps do.

Yuma Insurance Requirements

Arizona is a state that requires minimum insurance coverage. Residents are required to bring:

  • Civil liability of $25,000 in bodily injury for one person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

However, not carrying enough insurance could leave you vulnerable to financial hardship. For example, if you don’t have sufficient liability coverage and are at-fault in an accident, you may be responsible for handling additional expenses.

Also, if you lease or finance your car, most lessors require you to have collision and comprehensive coverage in addition to state minimums. Rental reimbursement, which pays for a rental car while yours is repaired for damage caused by a covered claim, is optional coverage that may be worth considering, and gap insurance may also be required by your lender. This covers the “gap” between what you owe on the car and what your car would value if your car was destroyed in an accident.

Discounts on car insurance in Yuma

Although car insurance rates in Yuma are lower than the national average, it still pays to save as much as possible by taking advantage of discounts. Each carrier has their own list of available discounts, making it easy to review and compare by provider.

  • Multi-font: If you buy more than one type of policy from a carrier, you can probably save some money. Consider bundling your policies with the same insurer, as this discount is usually the largest offered by insurance companies.
  • Vehicle safety equipment: If your vehicle includes safety features such as anti-lock brakes, airbags, or an anti-theft system, you’ll likely qualify for additional discounts.
  • Defensive driving: If you take an approved defensive driving course, you could see a reduction in your premiums. Many carriers offer this discount as long as it is a course taken with a pre-approved provider.
  • Pay in full: If you pay your annual premium in one installment instead of monthly installments, then you could claim additional savings.

Paying off your policy in full is a great way to save money in the long run. However, if it’s beyond your budget or your provider doesn’t offer a discount, having multiple policies under the same provider is usually another easy way to save extra money.

Frequently Asked Questions

What is the best car insurance company?

Determining the best car insurance in Yuma depends on several factors and what is most important to you. Comparing each company’s ability to pay claims, coverage options, available discounts, financial strength, and each carrier’s digital assets can help you find the one that fits your lifestyle. In Yuma, some of the best car insurance companies are Geico, Nationwide, Travelers, and Allstate.

How much does car insurance cost in Yuma?

Bankrate looked at several carriers to determine the average auto insurance in Yuma, which averages $490 per year for minimum coverage and $1,439 per year for full coverage. However, everyone will have different rates since premiums are based on personal factors. Your age, credit score, driving record, zip code, vehicle, gender, and discounts can all factor into the cost of your premiums.

Why generally has the cheapest car insurance in Yuma?

The cheapest car insurance in Yuma may depend on personal factors, such as your driving history, zip code, age, and other factors. Based on data collected and analyzed by Bankrate, we found that Geico, Nationwide, AAA, Mercury and Travelers had the cheapest auto insurance in Yuma on average. Your personal characteristics, driving history and claims history are also factors that can determine which company is the cheapest for car insurance.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.

These are sampling rates and should only be used for comparison purposes. Your quotes may be different.

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