+120 more*These quotes are from Compare.com users in and around Yuma, Arizona within the last 10 days. Updated on October 6, 2026
*These quotes are from Compare.com users in and around Yuma, Arizona within the last 10 days. Updated on October 6, 2026
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Charlie Hope D’Anieri is an insurance writer who has been working with Compare.com since 2025. An experienced writer, researcher, and journalist, Charlie’s work has appeared across several well-known publications, including The Guardian, Insurify, The New Republic, and more.
Charlie has earned a bachelor's degree from Middlebury College, as well as a Master of Arts in English Language and Literature from the University of Maryland.
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3+ years in insurance content
Insurance podcaster
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
){kind=small}
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
Updated
The average car insurance rate in Yuma, Arizona, is $103 per month, according to our research. That figure is substantially below the statewide monthly average of $134.
Ultimately, these lower-than-average rates come down to a couple of possible factors. For example, Yuma is a haven for retirees, who insurance companies generally consider to be safe drivers. It’s also less busy than the state’s bigger cities, which likely helps to lower its overall premiums.
The cheapest insurance companies in Yuma include Auto-Owners, Just Pay-Per-Mile, and Mile Auto, according to Compare.com data.
But Yuma drivers always have opportunities to save. This article will help you find the cheapest auto insurance quotes in Yuma and give tips on finding the best company for you by comparing quotes.
Auto-Owners provides the cheapest average auto insurance rates in Yuma, at $49 per month.
On average, drivers in Yuma pay $76 per month for liability coverage and $129 for full coverage.
We recommend State Farm, USAA, and COUNTRY Financial as some of the best car insurance companies serving Yuma.
Shopping for car insurance is a different process for everyone. The best insurance company for you will depend on your rate, the discounts you can get, and the coverage options you want, among other factors.
To get you started, we chose the following three auto insurance companies operating in Yuma that have top marks. We focused on premiums, customer satisfaction, and coverage and discount options.
| User Reviews | 4.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $68/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.5 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.0 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Yuma has a robust military community, with the area supporting both Marine Corps Air Station (MCAS) Yuma and the U.S. Army’s Yuma Proving Ground (YPG).[1] If you’re stationed at either facility or you’re an active-duty or retired military service member, you’re eligible for USAA, one of the best auto insurance companies in the region.
USAA has top customer service scores from J.D. Power and offers discounts tailored to military life. If you’re eligible for coverage with USAA, it’s often your best choice.
A++ (Superior) financial strength rating from AM Best
Best-in-class customer satisfaction rating
Military-specific discounts and bundling opportunities
Available only to military community
Doesn‘t offer 24/7 customer service
Average rates may be higher than some competitors
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 665 |
|---|---|
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $119/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $190/mo |
COUNTRY Financial is a great option for its affordable rates, policy customization, and generous discounts. And if you’re one of the thousands of teachers who live in Yuma, you could get a discount of up to 15% off your auto insurance.
With an AM Best financial strength rating of A+ (Superior), COUNTRY Financial is a reliable company that has a strong track record of paying customer claims.[2]
Numerous discounts and bundling opportunities
Many ways to customize your policy
Strong customer service ratings from J.D. Power
Gap insurance not available
Policies must be purchased through a COUNTRY Financial agent
No dedicated Yuma office
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.6 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Yuma’s 90,000 snowbirds who take advantage of the pleasant winter weather can find extensive coverage with State Farm. If you have multiple insurance policies across different states, you’re likely to be able to find a local State Farm agent in each area, including the city of Yuma.
Plus, you can also trust in its financial stability, with its AM Best financial strength rating of A++ (Superior).[3]
Higher-than-average customer satisfaction from J.D. Power
Rideshare insurance available
Good bundling discount
Must work with a State Farm agent to finalize coverage
Gap insurance only available to customers with a loan through State Farm Bank
Few occupational and military discounts
Whatever your car insurance priorities are, one thing’s for sure: You don’t want to pay too much. To help you prioritize cost in your auto insurance policy search, we’ve outlined the cheapest car insurance quotes in Yuma below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $49 |
| Just Pay-Per-Mile | $50 |
| Mile Auto | $60 |
| State Farm | $61 |
| Sun Coast | $62 |
| Progressive | $65 |
| Aspire General | $67 |
| Novo Flex | $68 |
| USAA | $68 |
| Certainly | $70 |
| Novo Next | $70 |
| The General | $73 |
| Mercury | $75 |
| Novo | $77 |
| Allstate | $81 |
| Safeco | $82 |
| GEICO | $83 |
| Just Unlimited | $83 |
| Hiroad | $85 |
| Direct Auto | $86 |
| Bristol West | $88 |
| Dairyland | $92 |
| Clearcover | $95 |
| National General | $95 |
| AssuranceAmerica | $98 |
| Commonwealth Casualty | $98 |
| Trexis | $98 |
| GAINSCO | $99 |
| Travelers | $105 |
| Covercube | $110 |
| Mendota | $113 |
| Insurify Car | $116 |
| First Acceptance | $118 |
| Country Financial | $119 |
| American Family | $120 |
| The Hartford | $123 |
| Farmers | $124 |
| Liberty Mutual | $138 |
| Root | $140 |
| Hugo | $142 |
)
Arizona requires all drivers to carry auto insurance to legally drive. Here’s the minimum auto insurance requirement in Arizona:[4]
Bodily injury liability: At least $25,000 per person and $50,000 per accident to pay for any injuries you cause
Property damage liability: At least $15,000 to cover any vehicle or other property damage you cause in an accident
Coverage limits refer to the maximum amount that the insurance company will pay in the event of a liability claim. Even if the damages go over that number, the insurance company pays up to the limit and stops. You’re on the hook for the rest.
Arizona law requires only liability coverage, but it doesn’t cover any of your vehicle damage or medical expenses if you cause an accident.
To cover your own injuries and damages, you need full coverage. If you damage your car in an at-fault accident, or someone steals or vandalizes your vehicle, a full-coverage policy helps cover you.
Most people, for instance, would have a hard time replacing their car if they total it. For the majority of drivers, a full-coverage policy makes sense.
While you’re shopping for a car insurance policy in Yuma, consider these additional coverages:[5]
Comprehensive coverage is part of full coverage. It covers theft, damage from weather events like falling branches, and other damage that happens to your car.
Collision coverage is also part of full coverage. This comes in when your car collides with something, whether it’s another car in an accident or just a telephone pole.
Uninsured/underinsured motorist coverage comes in when an accident is another person’s fault but they don’t have any or enough insurance coverage.
Rental reimbursement pays for a rental car for you while your car’s in the shop getting repairs after a covered claim.
Towing and labor/roadside assistance sends someone to help you if you break down on the side of the road.
Gap insurance covers the remaining balance on your auto loan or lease if you total your car and the payout from a claim isn’t enough to close the “gap” that results.
Category | Price |
|---|---|
| $78 | 3.7% |
| $97 | 5.6% |
| $115 | 7.0% |
| $134 | 7.5% |
| $153 | 8.4% |
| $172 | 8.4% |
| $190 | 7.6% |
| $209 | 7.5% |
| $228 | 6.8% |
| $246 | 6.1% |
| $265 | 5.2% |
| $284 | 4.8% |
| $302 | 4.2% |
| $321 | 3.5% |
| $340 | 3.2% |
| $359 | 2.8% |
| $377 | 2.3% |
| $396 | 2.1% |
| $415 | 1.8% |
| $433 | 1.6% |
Essentially, if insurance companies estimate that you’re more likely than other drivers to get into an accident and file a claim, they’ll charge you a higher premium. Companies use many statistics to make this calculation, including your credit history, ZIP code, age, and driving record.[6]
The table below shows the cheapest insurer depending on your driving profile, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer |
|---|---|
| State-minimum coverage | Auto-Owners |
| Full coverage | Auto-Owners |
| Drivers with a speeding ticket | Auto-Owners |
| Drivers with an at-fault accident | Auto-Owners |
| Drivers with a DUI | Auto-Owners |
| Teens | Auto-Owners |
| Seniors | Auto-Owners |
| Drivers with excellent credit | Auto-Owners |
| Drivers with poor credit | Auto-Owners |
A liability-only policy covers other people’s injuries and property damage if you cause an accident. But it doesn’t cover you or your car.
On average, Yuma drivers pay $76 per month for a minimum coverage policy, according to our research.
Keep in mind that a policy like this leaves you responsible for your own car repairs and medical payments in the event of an accident, theft, or other kind of crash.
But if you only want the minimum liability insurance policy for your car, these are the cheapest companies in Yuma.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $49 |
| Just Pay-Per-Mile | $50 |
| Mile Auto | $60 |
| State Farm | $61 |
| Sun Coast | $62 |
| Progressive | $65 |
| Aspire General | $67 |
| Novo Flex | $68 |
| USAA | $68 |
| Certainly | $70 |
| Novo Next | $70 |
| The General | $73 |
| Mercury | $75 |
| Novo | $77 |
| Allstate | $81 |
| Safeco | $82 |
| GEICO | $83 |
| Just Unlimited | $83 |
| Hiroad | $85 |
| Direct Auto | $86 |
| Bristol West | $88 |
| Dairyland | $92 |
| Clearcover | $95 |
| National General | $95 |
| AssuranceAmerica | $98 |
| Commonwealth Casualty | $98 |
| Trexis | $98 |
| GAINSCO | $99 |
| Travelers | $105 |
| Covercube | $110 |
| Mendota | $113 |
| Insurify Car | $116 |
| First Acceptance | $118 |
| Country Financial | $119 |
| American Family | $120 |
| The Hartford | $123 |
| Farmers | $124 |
| Liberty Mutual | $138 |
| Root | $140 |
| Hugo | $142 |
Full coverage protects you and your car in any accident, as well as vandalism, theft, weather events, and other disasters. It’s more expensive than liability-only insurance, but it can save you in the long run if you can’t afford to repair or replace your car.
The average premium in Yuma is $129 for a full-coverage auto insurance policy, according to Compare.com data.
Below, you can see which companies offer the cheapest rates on full coverage in Yuma.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $79 |
| Novo Next | $88 |
| Just Pay-Per-Mile | $92 |
| Novo Flex | $93 |
| State Farm | $98 |
| Progressive | $100 |
| Mile Auto | $103 |
| Sun Coast | $104 |
| USAA | $108 |
| Safeco | $114 |
| Novo | $116 |
| Aspire General | $125 |
| Mercury | $125 |
| Allstate | $128 |
| GEICO | $134 |
| Hiroad | $148 |
| Direct Auto | $153 |
| Clearcover | $155 |
| Bristol West | $158 |
| Just Unlimited | $161 |
| Travelers | $168 |
| Liberty Mutual | $173 |
| National General | $173 |
| The General | $173 |
| AssuranceAmerica | $175 |
| Certainly | $178 |
| Trexis | $189 |
| Country Financial | $190 |
| American Family | $191 |
| The Hartford | $196 |
| Farmers | $197 |
| Commonwealth Casualty | $198 |
| Root | $200 |
| GAINSCO | $210 |
| Dairyland | $212 |
| Covercube | $217 |
Rates in Yuma start at $49 per month.
If you get a speeding ticket, insurance companies will consider you more likely to get into an accident and file a claim. On average, drivers with speeding tickets on their records pay $133 per month for auto insurance. But some companies offer better rates. Here are the best quotes in Yuma for drivers with a speeding ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $64 |
| Just Pay-Per-Mile | $65 |
| Mile Auto | $74 |
| State Farm | $78 |
| Sun Coast | $80 |
| Progressive | $84 |
| Aspire General | $87 |
| Novo Flex | $88 |
| USAA | $89 |
| Certainly | $91 |
| Novo Next | $91 |
| The General | $99 |
| Novo | $100 |
| Allstate | $105 |
| Mercury | $105 |
| Just Unlimited | $108 |
| Safeco | $110 |
| Direct Auto | $110 |
| Hiroad | $110 |
| GEICO | $110 |
| Bristol West | $113 |
| Dairyland | $116 |
| Commonwealth Casualty | $120 |
| National General | $120 |
| GAINSCO | $121 |
| Clearcover | $123 |
| AssuranceAmerica | $127 |
| Trexis | $127 |
| Travelers | $138 |
| Covercube | $143 |
| Mendota | $146 |
| Insurify Car | $150 |
| First Acceptance | $153 |
| American Family | $157 |
| Farmers | $161 |
| Country Financial | $161 |
| Root | $170 |
| The Hartford | $171 |
| Liberty Mutual | $179 |
| Hugo | $184 |
Car insurance companies charge higher premiums to drivers who have an at-fault accident in their history. Their logic is that if it happened once, it’s more likely to happen again.
In Yuma, a recent accident will raise your rates to an average of $133 per month, according to data from Compare.com.
If you want to avoid these high rates, it pays to shop around for companies that are better suited for drivers with recent accidents. To get you started, we’ve outlined the cheapest companies if you have an at-fault accident on your record in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $67 |
| Just Pay-Per-Mile | $69 |
| Mile Auto | $83 |
| State Farm | $83 |
| Sun Coast | $85 |
| Progressive | $89 |
| Aspire General | $92 |
| Novo Flex | $93 |
| USAA | $93 |
| Certainly | $96 |
| Novo Next | $96 |
| The General | $102 |
| Novo | $106 |
| Allstate | $111 |
| GEICO | $112 |
| Mercury | $114 |
| Just Unlimited | $114 |
| Safeco | $116 |
| Hiroad | $117 |
| Bristol West | $119 |
| Direct Auto | $120 |
| Dairyland | $123 |
| National General | $129 |
| GAINSCO | $129 |
| Commonwealth Casualty | $132 |
| AssuranceAmerica | $133 |
| Trexis | $134 |
| Clearcover | $137 |
| Travelers | $145 |
| Covercube | $151 |
| Mendota | $155 |
| Insurify Car | $159 |
| First Acceptance | $162 |
| American Family | $165 |
| Country Financial | $166 |
| Farmers | $170 |
| The Hartford | $176 |
| Root | $179 |
| Liberty Mutual | $187 |
| Hugo | $195 |
Driving under the influence (DUI) increases your insurance rates, and usually by a lot. Some insurers may also cancel your policy mid-term or non-renew it following a DUI conviction. The average premium in Yuma for drivers with a DUI is $133 per month.
But if you spend some time finding insurance companies that specialize in high-risk drivers, you’ll find lower premiums. The companies we’ve outlined in the table below are good places to start.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $67 |
| Just Pay-Per-Mile | $71 |
| Mile Auto | $85 |
| State Farm | $87 |
| Sun Coast | $87 |
| Progressive | $92 |
| Aspire General | $95 |
| Novo Flex | $96 |
| USAA | $96 |
| Certainly | $99 |
| Novo Next | $99 |
| The General | $101 |
| Novo | $109 |
| Mercury | $113 |
| Allstate | $114 |
| Just Unlimited | $117 |
| GEICO | $119 |
| Hiroad | $120 |
| Direct Auto | $122 |
| Bristol West | $125 |
| Safeco | $129 |
| Dairyland | $131 |
| Clearcover | $131 |
| National General | $135 |
| Trexis | $138 |
| Commonwealth Casualty | $139 |
| AssuranceAmerica | $139 |
| GAINSCO | $140 |
| Travelers | $149 |
| Covercube | $155 |
| Mendota | $159 |
| Insurify Car | $164 |
| American Family | $164 |
| Country Financial | $165 |
| First Acceptance | $167 |
| Farmers | $176 |
| The Hartford | $182 |
| Liberty Mutual | $196 |
| Root | $199 |
| Hugo | $200 |
Teens are expensive to insure because they’re involved in crashes four times more often than older drivers.[7] In Yuma, they pay an average of $216 per month for car insurance, based on our research.
Regardless, teens and their parents can still find relatively affordable rates with the right company. We’ve outlined the cheapest in Yuma in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $105 |
| Just Pay-Per-Mile | $105 |
| State Farm | $125 |
| Sun Coast | $130 |
| Mile Auto | $131 |
| USAA | $133 |
| Progressive | $136 |
| Aspire General | $140 |
| The General | $141 |
| Novo Flex | $142 |
| Mercury | $146 |
| Certainly | $147 |
| Novo Next | $147 |
| GEICO | $161 |
| Novo | $161 |
| Bristol West | $167 |
| Clearcover | $167 |
| Allstate | $170 |
| Dairyland | $171 |
| Just Unlimited | $174 |
| Hiroad | $178 |
| Safeco | $178 |
| Direct Auto | $179 |
| GAINSCO | $186 |
| Commonwealth Casualty | $198 |
| National General | $200 |
| Country Financial | $202 |
| Trexis | $205 |
| AssuranceAmerica | $215 |
| Root | $230 |
| Covercube | $230 |
| Travelers | $230 |
| Mendota | $237 |
| American Family | $241 |
| Insurify Car | $243 |
| First Acceptance | $247 |
| Liberty Mutual | $259 |
| Farmers | $262 |
| The Hartford | $289 |
| Hugo | $297 |
Insurance companies treat senior drivers to some of their best rates, in part because they tend not to commute every day, and they’re more attentive to rules of the road.
Seniors in Yuma average $85 per month for car insurance, according to Compare.com data.
But if you want to find even cheaper rates in Yuma, take a look at the companies below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $38 |
| Just Pay-Per-Mile | $41 |
| Mile Auto | $46 |
| State Farm | $47 |
| Sun Coast | $51 |
| Progressive | $54 |
| USAA | $54 |
| Aspire General | $55 |
| Novo Flex | $56 |
| Mercury | $58 |
| Certainly | $58 |
| Novo Next | $58 |
| The General | $61 |
| Novo | $64 |
| GEICO | $64 |
| Allstate | $67 |
| Direct Auto | $69 |
| Just Unlimited | $69 |
| Safeco | $70 |
| Hiroad | $70 |
| Bristol West | $72 |
| National General | $73 |
| AssuranceAmerica | $75 |
| Dairyland | $76 |
| Commonwealth Casualty | $77 |
| Trexis | $81 |
| Clearcover | $82 |
| Travelers | $82 |
| GAINSCO | $83 |
| The Hartford | $86 |
| Covercube | $91 |
| Country Financial | $92 |
| Mendota | $94 |
| American Family | $94 |
| Farmers | $96 |
| Insurify Car | $96 |
| First Acceptance | $98 |
| Liberty Mutual | $112 |
| Hugo | $118 |
| Root | $126 |
Arizona allows insurance companies to consider your credit when determining your rates. So if your credit isn’t great, it’s going to be harder to find cheap auto insurance.[8]
On average, Yuma drivers with poor credit pay $129 per month for car insurance, according to data from Compare.com.
That said, you can still find companies that give you better rates. The chart below outlines the cheapest companies for Yuma drivers with poor credit, according to our data.
Company | Average Monthly Premium |
|---|---|
| Just Pay-Per-Mile | $63 |
| Auto-Owners | $74 |
| Mile Auto | $74 |
| Sun Coast | $78 |
| Progressive | $81 |
| Aspire General | $84 |
| USAA | $85 |
| Novo Flex | $85 |
| Certainly | $88 |
| Novo Next | $88 |
| State Farm | $89 |
| The General | $90 |
| Mercury | $92 |
| Novo | $96 |
| GEICO | $98 |
| Allstate | $101 |
| Safeco | $102 |
| Just Unlimited | $104 |
| Hiroad | $106 |
| Direct Auto | $106 |
| Bristol West | $109 |
| Dairyland | $114 |
| Clearcover | $118 |
| National General | $118 |
| AssuranceAmerica | $121 |
| Commonwealth Casualty | $121 |
| Trexis | $123 |
| GAINSCO | $123 |
| Travelers | $125 |
| Covercube | $138 |
| Mendota | $141 |
| Insurify Car | $145 |
| Country Financial | $145 |
| American Family | $146 |
| Farmers | $146 |
| First Acceptance | $148 |
| The Hartford | $157 |
| Liberty Mutual | $165 |
| Root | $173 |
| Hugo | $178 |
Local rates start as low as $49 per month.
Shopping for car insurance can feel overwhelming. We’ve answered some common questions for drivers around Yuma to help make the process easier.
For a minimum liability car insurance policy, the average monthly premium in Yuma is $76, according to Compare.com data. The average for full coverage is $129 per month.
Auto-Owners offers the cheapest average car insurance rates in Yuma, at $49 per month, according to Compare.com data.
Yuma’s car insurance market is crowded with good insurance companies catering to all types of drivers. State Farm and USAA are definitely among the best, but it really depends on your own insurance needs.
It depends. In Yuma, car insurance rates average $103, according to Compare.com data. That’s compared to an average of $134 across all of Arizona and $143 nationwide.
No. Arizona’s minimum coverage limits aren’t high. Most insurance experts advise that you protect yourself with higher coverage limits.
Think of it this way: If you cause a crash that results in $20,000 in damage to another car, minimum coverage pays $15,000. How easily could you pay the remaining $5,000? A property damage limit of $20,000 wouldn’t cost a lot more per month but would cover this accident.
Auto-Owners, Just Pay-Per-Mile, and Mile Auto are among the cheapest car insurance companies in Arizona. But you should compare as many quotes as possible if you want to find the cheapest one for you.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
Charlie Hope D’Anieri is an insurance writer who has been working with Compare.com since 2025. An experienced writer, researcher, and journalist, Charlie’s work has appeared across several well-known publications, including The Guardian, Insurify, The New Republic, and more.
Charlie has earned a bachelor's degree from Middlebury College, as well as a Master of Arts in English Language and Literature from the University of Maryland.
3+ years in insurance content
Insurance podcaster
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
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