Skip to Main Content

Best cheap car insurance in Yuma

Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

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

If you’re looking for the best cheap car insurance in Yuma, Bankrate has made the task of searching for the best cheap car insurance a little easier. We examined rate data for multiple carriers from Quadrant Data Services, along with key facts such as 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 make the cut not only for having high customer satisfaction ratings, but also financial strength, discounts, coverage options and digital tools. Each carrier offers competitive rates, too, to work with almost any budget.

Insurance Company J.D. Power Score
(Southwest Region)
Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico 829/1000 $315 $882
Nationwide 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, along with a variety of discounts for additional savings. Members of Yuma’s Marine Corp Air Station (MCAS) will likely appreciate the military discounts and federal employees’ savings Geico has to offer. Other discounts include policy bundling, safety equipment features and club affiliation.

Learn more: Geico Insurance Review

Nationwide

Nationwide offers Yuma residents multiple ways to customize their auto insurance coverage and take advantage of discounts. Yuma residents pay less on average with Nationwide compared to other large insurers, paying an average of $336 per year for minimum coverage and an average of $938 each year for full coverage. The discounts offered are plentiful too, with the SmartRide app for safe driving as well as options for multi-policy, claims-free and good student discounts, to name a few.

Learn more: Nationwide Insurance Review

Travelers

Travelers’ car insurance rates are well below the average in Yuma. The average full coverage policy costs $1,034 annually and the average minimum coverage policy costs $413 annually. Travelers offers numerous coverage options, like accident forgiveness, rideshare and new car replacement coverage. Drivers in Yuma 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 rates, high customer satisfaction ratings and financial stability all rolled into 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 customer experiences even more convenient by offering the ability to obtain 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 auto insurance in the U.S. is $565 per year for minimum coverage and $1,674 per year for full. Arizona, with average rates of $555 per year for minimum and $1,547 per year for full, comes in slightly below the national average. In Yuma, it appears even cheaper to insure your car, with the 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
Nationwide $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 J.D. Power Auto Claims Satisfaction Study, though Nationwide and Travelers trail by just a few points.

If digital tools are important to you, be aware each of these carriers offer a mobile app for the ultimate convenience. However, the AAA and Mercury apps do not offer all of the features, like claims submission, that the Geico, Nationwide and Travelers apps offer.

Yuma insurance requirements

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

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

However, not purchasing enough insurance could leave you vulnerable to financial hardship. For instance, if you do not have enough liability coverage and you are at-fault in an accident, you could be left responsible for handling the additional expenses.

Additionally, if you lease or finance your car, most lessors require you to carry collision and comprehensive coverage in addition to the state minimums. Rental reimbursement, which pays for a rental car while yours is being fixed for damage from a covered claim, is an 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 appraise for if your car were totaled in an accident.

Car insurance discounts in Yuma

While car insurance rates in Yuma may be below the national average, it still pays to save as much as possible by taking advantage of discounts. Each carrier has its own list of available discounts, making it easy to review and compare by provider.

  • Multi-policy: If you purchase more than one type of policy with a carrier, then you are likely able to save money. Consider bundling your policies with the same carrier, as this discount is typically 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, then you would 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 from a pre-approved vendor.
  • Pay in full: If you pay your annual premium in one lump sum instead of monthly installment payments, then you could ask for additional savings.

Paying your policy in full is a great way to save long-term. However, if this is out of your budget or your provider does not offer a discount for it, having multiple policies under the same provider is usually another simple way to earn additional savings.

Frequently asked questions

What is the best car insurance company?

Determining the best car insurance in Yuma is dependent 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 digital assets of each carrier 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 in Yuma cost?

Bankrate reviewed several carriers to determine the average car insurance in Yuma, which averages $490 annually for minimum coverage and $1,439 annually 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 may all factor into the cost of your premiums.

Why typically has the cheapest auto insurance in Yuma?

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

Methodology

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

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

To determine minimum coverage limits, Bankrate 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 annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor