Yuma, AZ Car Insurance

Auto insurance costs an average of $107 per month in Yuma. Paying too much? Enter your ZIP to compare rates.

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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 AverageU.S. Average
$1,291$1,470$1,548

Table of contents:

Yuma car insurance rates by company


One way to save on auto insurance is to compare rates from multiple companies 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
CompanyAverage Yearly Rate
GEICO$686
USAA$1,201
State Farm$1,307
Progressive$1,334
American Family$1,425

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
AgeAverage Yearly Rate
Teenagers$4,993
20s$1,663
30s$1,274
40s$1,226
50s$1,133
60s$1,175
70s$1,455

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/GenderAverage Annual Rate
Female$1,296
Male$1,291
Single$1,291
Married$1,179
Divorced$1,291
Widowed$1,226

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
ViolationAverage Annual Rate
DUI/DWI$1,987
Reckless Driving$1,836
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 LevelAverage Rate (annual)
Very Poor$2,689
Fair$2,060
Good$1,651
Very Good$1,358
Exceptional$1,103

Curious about how your credit score impacts what you pay for car insurance? Click here to find out more.



The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.