The 213,000 residents of Yuma, Arizona make up less than 1% of Arizona’s total population. However, temperatures are still just as hot and the county’s drivers are just as much in need of affordable car insurance as the rest of the state. Car insurance in Yuma is relatively cheap at about $490 per year for minimum coverage and $1,439 per year for a full coverage policy.
Bankrate has made the task of searching for cheap car insurance a little easier for Yuma drivers by examining multiple carriers for the best car insurance policies in Yuma. Reviewing key facts such as customer service marks, financial strength ratings, coverages and discounts available reveals the carriers that stand out. The good news is, several of these carriers offer quality coverage for well below the average rates in Yuma.
Best car insurance companies in Yuma
The best car insurance companies 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
|Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
|Geico||834 / 1000||$315||$882|
|Nationwide||786 / 1000||$336||$938|
|Travelers||808 / 1000||$413||$1,034|
|Allstate||830 / 1000||$475||$1,523|
Geico offers some of the lowest rates for 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.
Nationwide offers Yuma residents multiple ways to customize their policy and take advantage of discounts. Yuma residents pay less with Nationwide with a full coverage policy averaging $336 per year and $938 for minimum and full coverage, respectively. The discounts 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.
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.
Allstate offers competitive rates, high customer satisfaction ratings and financial stability all rolled into one company. Its A+ (Superior) AM Best rating and third-highest ranking in the Southwest region on the 2020 J.D. Power Auto Insurance Study affirms Allstate as a top competitor. Plus, the Allstate mobile app helps make customers’ experiences even more convenient. It gives you the ability to obtain an online quote, pay your bill, contact your agent and summon roadside assistance.
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 for minimum coverage is $490 and $1,439 for the full version.
|Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
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 leads in customer satisfaction for the Southwest region in the 2020 J.D. Power Auto Insurance Study, tieing only with one other provider for the highest score. Travelers, on the other hand, ranks below the industry average, but still earns more than 800 customer satisfaction 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 are not as highly-rated as Geico, Nationwide and Travelers and do not offer as many features such as claims submission.
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 bodily injury 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 comprehensive and collision coverage in addition to the state minimums. You could also be required to purchase gap insurance. 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. Ask your current condo/renters/homeowners insurance carrier how much you can save by adding an auto insurance policy.
- 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. It is important to review customer service ratings, financial strength, policy options, discounts and digital assets of each carrier to find the one that fits your lifestyle. Bankrate has also reviewed the best car insurance companies and found Geico, State Farm and USAA are all excellent auto insurance companies.
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 all factor into the cost of your premiums.
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.