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How much is auto insurance in Yuma?
The average cost of car insurance in Yuma, Arizona, is $1,291 each year. That's cheaper than the Arizona average ($1,470) and less expensive than the U.S. average of $1,548. Our guide to Yuma car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more.
CAR INSURANCE: YUMA RATES VS. STATE + NATIONAL AVERAGES
|Yuma Average (annual)||Arizona Average||U.S. Average|
Table of contents:
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. Don't forget to get car insurance quotes based on your driving profile.
YUMA AUTO INSURANCE RATES BY COMPANY
|Company||Average Yearly Rate|
Check out our guide to learn how to find the best cheap car insurance.
Yuma auto insurance rates by age
The age group that pays the least for car insurance in Yuma are drivers in their 50s ($1,133 per year). Those in their 60s don't pay much more ($1,175).
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.
YUMA CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age||Average Yearly Rate|
Find out more about how age can change car insurance costs.
Yuma auto insurance costs by marital status and gender
In some cases, a driver's marital status and gender may affect their car insurance premiums. Married drivers in Yuma pay $112 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.
Gender is another factor that can influence auto insurance rates. In Yuma, female drivers pay $5 per year more than do male drivers for car insurance.
YUMA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Read more about the relationships between gender, marital status and insurance premiums.
Yuma car insurance costs by citation and accident history
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.
YUMA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,633|
|At-fault Accident (damages greater than $2,000)||$1,874|
|Speeding Ticket (16-20 mph over speed limit)||$1,632|
Learn more about the impact of driving violations on car insurance rates.
Yuma car insurance rates by credit tier
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 $629 decrease in annual car insurance rates.
YUMA AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Rate (annual)|
Curious about how your credit score impacts what you pay for car insurance? Click here to find out more.
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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 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.