Table of contents
How much is car insurance in Yuma?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $23 a month cheaper to insure your vehicle in Yuma than it is in the rest of Arizona.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Yuma is rather affordable. It's about $42 cheaper to insure your vehicle in Yuma compared to the average rate for the United States as a whole.
Although these are the average rates for auto insurance in Yuma, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't sweat it however, we've broken down average rates for Yuma residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $28 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may climb back up in Yuma.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Yuma is around $5 per month. As illustrated in the table above, female drivers in the area pay about $36 on average, while male drivers pay around $41 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Yuma, a driving record with a single accident will usually get you a rate around $41 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $42 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$36|
In Yuma, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $36 per month for insurance coverage.
Car owners can expect to pay an average of around $39 a month for their policy, while SUVs usually cost around $37 a month to insure.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Yuma, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$41|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Yuma can be as much as $5 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Another factor taken into consideration is your housing status. Renters can expect to pay around $3 a month more than drivers who own property in Yuma. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Yuma, AZ
Recent trends in car insurance for Yuma drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance coverage in Yuma went up from 2016-2018, before steadying out in 2019. Policy premiums finished down in 2021, at $36 a month
How does Yuma compare to neighboring areas?
Why are car insurance rates in Yuma different from other areas?
Car insurance companies will take into account several factors when figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Rate of crime
- Access to off-street parking
- Number of drivers in the region
- Regional laws
- Road Safety (frequency of car accidents)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Yuma?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Yuma.
Yuma Insurance FAQs
What factors affect car insurance quotes in Yuma?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Yuma different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Yuma?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Yuma?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Yuma or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.