The Cheapest Auto Insurance Companies in Yuma, Arizona, in 2026

At $51 per month for a liability policy, Just Pay-Per-Mile offers the cheapest car insurance in Yuma, on average. But the best deal for you will depend on your situation.

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Charlie Hope D'Anieri
Charlie Hope D'AnieriInsurance Writer

Charlie Hope DAnieri 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.

Sara Getman
Edited bySara Getman
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Sara GetmanInsurance Editor

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.

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The average car insurance rate in Yuma, Arizona, is $104 per month, according to our research. That figure is substantially below the statewide monthly average of $131.

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 Just Pay-Per-Mile, Auto-Owners, 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.

Key Takeaways
  • Just Pay-Per-Mile provides the cheapest average auto insurance rates in Yuma, at $51 per month. 

  • On average, drivers in Yuma pay $77 per month for liability coverage and $131 for full coverage. 

  • We recommend State Farm and USAA as two of the best car insurance companies serving Yuma.

The Best Auto Insurance Companies in 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.

USAA logo
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.
$73/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.
$124/mo
4.6
Best choiceBased on 156 verified guest reviews and ratings
USAA's score
Industry average
Coverage options4.33.2
Customer service4.03.6
Discounts3.72.9
Policy transparency4.13.1
Value3.92.9
How drivers feel about USAA

Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.

AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 69 USAA reviews
Jeremy
Verified Review
USAA will increase your premium every 6 months.
USAA claims that they are all about the service members, but they bank on that being the reason you pay for their overpriced insurance.
Robin
Verified Review
Good Service
Fair price.
Catherine
Verified Review
Top Drawer
Very good. Reliable. Comprehensive.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Yuma has a healthy 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 and offers discounts tailored to military life. If you’re eligible for coverage with USAA, it’s often your best choice.

Pros
  • Strong AM Best financial strength rating

  • Best-in-class customer satisfaction rating

  • Military-specific discounts

Cons
  • Available only to military community

  • Some companies offer better discounts

  • Rates might not be cheapest

COUNTRY Financial logo
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
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.
$126/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.
$216/mo
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

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 should be able to pay out your claims.[2]

Pros
  • Many available discounts

  • Many ways to customize your policy

  • Strong financial strength rating

Cons
  • Gap insurance not available

  • Must finalize quote with agent

  • No dedicated Yuma office

State Farm logo
User Reviews
4.1
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.
$65/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.
$110/mo
4.1
Best choiceBased on 783 verified guest reviews and ratings
State Farm's score
Industry average
Coverage options3.83.2
Customer service4.03.6
Discounts3.62.9
Policy transparency4.03.1
Value3.62.9
How drivers feel about State Farm

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.

AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 321 State Farm reviews
Dorothy
Verified Review
Average
Very expensive compared to other companies.
Rosymar
Verified Review
I have been with them for over 10 years
In the beginning, I recommended it, but now I don’t recommend it to anyone. I'm still paying $410 for full coverage on two cars, which seems expensive.
Lynn
Verified Review
Excellent
I would definitely recommend this group!
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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]

Pros
  • Higher-than-average customer satisfaction

  • Rideshare insurance available

  • Good bundling discount

Cons
  • Must work with agent

  • Gap insurance not available

  • Few occupational and military discounts

The Cheapest Car Insurance Quotes in Yuma

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.

The below rates in Yuma, AZ, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
Just Pay-Per-Mile$51
Auto-Owners$53
Mile Auto$56
Progressive$60
Certainly$63
State Farm$65
Sun Coast$65
Aspire General$67
Novo Flex$70
Mercury$72
USAA$73
The General$75
Novo Next$76
Dairyland$80
Novo$80
Just Unlimited$84
Hiroad$85
Safeco$86
Bristol West$88
GEICO$88
National General$88
Direct Auto$92
Trexis$98
Clearcover$101
Commonwealth Casualty$101
AssuranceAmerica$102
Root$102
GAINSCO$103
Allstate$108
Covercube$111
Travelers$112
COUNTRY Financial$126
American Family$127
The Hartford$130
Farmers$131
Liberty Mutual$139
Nationwide$146
Foremost$176
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, April 13 at 5:00 PM PDT.

How Much Car Insurance Do You Need In Yuma?

A bridge in Yuma, AZ

Arizona requires all drivers to carry auto insurance to legally drive. Here’s the minimum auto insurance requirement in Arizona:[4]

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.

Should you buy full-coverage insurance in Yuma?

Arizona law requires only liability coverage, but it doesn’t cover any of your property or medical expenses if you cause an accident.

To cover your own injuries and damages, you need full coverage. If you damage your car while driving, 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 if you total your car and the payout from a claim isn’t enough to close the “gap” that results.

Estimated Cost: $183 per month
Category
Price
$773.7%
$965.5%
$1157.0%
$1337.5%
$1528.3%
$1718.4%
$1897.6%
$2087.5%
$2276.8%
$2455.8%
$2645.5%
$2834.8%
$3014.0%
$3203.7%
$3393.2%
$3572.7%
$3762.4%
$3942.1%
$4131.8%
$4321.6%
40.4% of drivers like you pay less for car insurance. Compare quotes to save up to $1272 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.

Cheapest Car Insurance in Yuma by Driver and Coverage Type

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, 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
sort ascsort desc
Cheapest Insurer
sort ascsort desc
State-minimum coverageJust Pay-Per-Mile
Full coverageAuto-Owners
Drivers with a speeding ticketJust Pay-Per-Mile
Drivers with an at-fault accidentJust Pay-Per-Mile
Drivers with a DUIJust Pay-Per-Mile
TeensJust Pay-Per-Mile
SeniorsJust Pay-Per-Mile
Drivers with excellent creditJust Pay-Per-Mile
Drivers with poor creditJust Pay-Per-Mile
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

Cheapest liability-only coverage in Yuma: Just Pay-Per-Mile

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 $77 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.

The below rates in Yuma, AZ, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Cheapest Liability Rates by Company

Company
Average Monthly Premium
Just Pay-Per-Mile$51
Auto-Owners$53
Mile Auto$56
Progressive$60
Certainly$63
State Farm$65
Sun Coast$65
Aspire General$67
Novo Flex$70
Mercury$72
USAA$73
The General$75
Novo Next$76
Dairyland$80
Novo$80
Just Unlimited$84
Hiroad$85
Safeco$86
Bristol West$88
GEICO$88
National General$88
Direct Auto$92
Trexis$98
Clearcover$101
Commonwealth Casualty$101
AssuranceAmerica$102
Root$102
GAINSCO$103
Allstate$108
Covercube$111
Travelers$112
COUNTRY Financial$126
American Family$127
The Hartford$130
Farmers$131
Liberty Mutual$139
Nationwide$146
Foremost$176

Cheapest full coverage: Auto-Owners

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 $131 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.

The below rates in Yuma, AZ, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Cheapest Full-Coverage Rates by Company

Company
Average Monthly Premium
Auto-Owners$90
Just Pay-Per-Mile$95
Mile Auto$96
Novo Flex$97
Novo Next$105
State Farm$110
Sun Coast$111
Progressive$118
Safeco$119
Novo$121
Mercury$124
USAA$124
Aspire General$130
GEICO$142
Hiroad$154
Root$158
Just Unlimited$162
Bristol West$163
Clearcover$165
Direct Auto$170
National General$170
Certainly$172
Liberty Mutual$179
Allstate$184
The General$184
Travelers$191
Trexis$196
AssuranceAmerica$198
Dairyland$198
Commonwealth Casualty$209
COUNTRY Financial$216
American Family$217
Covercube$221
The Hartford$222
Farmers$224
GAINSCO$228
Nationwide$250
Foremost$341

Compare Real-Time Car Insurance Quotes in Yuma

Rates in Yuma start at $51 per month.

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4.6 out of 5 based on 613 reviews
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ProgressiveLiberty MutualAllstate

Cheapest after a speeding ticket: Just Pay-Per-Mile

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 $131 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.

The below rates in Yuma, AZ, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Cheapest Rates With a Ticket

Company
Average Monthly Premium
Just Pay-Per-Mile$64
Mile Auto$69
Auto-Owners$69
Progressive$76
Certainly$79
Sun Coast$82
State Farm$83
Aspire General$84
Novo Flex$88
USAA$95
Novo Next$96
Dairyland$100
Mercury$100
The General$101
Novo$101
Just Unlimited$106
Hiroad$107
Bristol West$111
Safeco$113
GEICO$116
Direct Auto$116
GAINSCO$124
Trexis$124
Clearcover$129
AssuranceAmerica$130
Root$136
Covercube$140
Allstate$141
Travelers$146
American Family$165
Farmers$168
COUNTRY Financial$172
Liberty Mutual$178
The Hartford$180
Nationwide$190

Cheapest after an accident:  Just Pay-Per-Mile

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 $131 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.

The below rates in Yuma, AZ, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Cheapest Rates With an Accident

Company
Average Monthly Premium
Just Pay-Per-Mile$69
Auto-Owners$71
Mile Auto$76
Progressive$81
Certainly$85
State Farm$87
Sun Coast$87
Aspire General$90
Novo Flex$94
USAA$99
Novo Next$102
The General$104
Dairyland$107
Novo$108
Mercury$109
Just Unlimited$113
Hiroad$114
GEICO$117
Bristol West$117
Safeco$121
Direct Auto$127
Trexis$132
GAINSCO$133
AssuranceAmerica$137
Root$138
Clearcover$146
Allstate$146
Covercube$149
Travelers$152
American Family$172
COUNTRY Financial$174
Farmers$177
The Hartford$182
Liberty Mutual$186
Nationwide$198

Cheapest after a DUI: Just Pay-Per-Mile

Driving under the influence (DUI) increases your insurance rates, and usually by a lot. For example, the average premium in Yuma for drivers with a DUI is $131 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.

The below rates in Yuma, AZ, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Cheapest Rates With a DUI

Company
Average Monthly Premium
Just Pay-Per-Mile$71
Auto-Owners$75
Mile Auto$79
Progressive$83
Certainly$87
Sun Coast$90
State Farm$92
Aspire General$93
Novo Flex$97
The General$102
USAA$103
Novo Next$105
Mercury$107
Novo$111
Dairyland$113
Just Unlimited$116
Hiroad$118
GEICO$123
Bristol West$124
Safeco$129
Direct Auto$130
Trexis$136
Clearcover$143
AssuranceAmerica$144
Root$145
GAINSCO$145
Allstate$153
Covercube$154
Travelers$158
COUNTRY Financial$174
American Family$179
Farmers$185
The Hartford$192
Liberty Mutual$196
Nationwide$206

Cheapest for teens: Just Pay-Per-Mile

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 $223 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 outline the cheapest in Yuma in the chart below.

The below rates in Yuma, AZ, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Cheapest Rates for Teens

Company
Average Monthly Premium
Just Pay-Per-Mile$110
Auto-Owners$117
Mile Auto$125
Progressive$129
Certainly$135
State Farm$137
Sun Coast$140
Mercury$144
Aspire General$144
The General$147
USAA$147
Novo Flex$150
Dairyland$153
Novo Next$163
Bristol West$171
Novo$172
GEICO$174
Just Unlimited$180
Hiroad$183
Clearcover$183
Safeco$189
Direct Auto$194
Root$195
GAINSCO$202
Trexis$210
COUNTRY Financial$224
AssuranceAmerica$228
Allstate$232
Covercube$238
Travelers$252
American Family$262
Liberty Mutual$267
Farmers$284
Nationwide$309
The Hartford$316

Cheapest for seniors: Just Pay-Per-Mile 

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 $88 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.

The below rates in Yuma, AZ, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Cheapest Rates for Seniors

Company
Average Monthly Premium
Auto-Owners$41
Just Pay-Per-Mile$43
Mile Auto$44
State Farm$50
Progressive$51
Certainly$53
Sun Coast$55
Aspire General$57
Mercury$57
USAA$59
Novo Flex$59
The General$63
Novo Next$64
Dairyland$67
Novo$68
GEICO$69
Just Unlimited$71
Hiroad$72
Bristol West$73
Safeco$74
Direct Auto$74
AssuranceAmerica$79
Trexis$83
Root$84
Allstate$87
GAINSCO$87
Travelers$88
Clearcover$88
The Hartford$92
Covercube$94
COUNTRY Financial$99
American Family$100
Farmers$103
Nationwide$110
Liberty Mutual$114

Cheapest for bad credit: Just Pay-Per-Mile

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 $130 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.

The below rates in Yuma, AZ, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Cheapest Rates With Bad Credit

Company
Average Monthly Premium
Just Pay-Per-Mile$64
Mile Auto$69
Progressive$75
Certainly$79
Auto-Owners$79
Sun Coast$81
Aspire General$84
Novo Flex$88
Mercury$88
USAA$89
The General$92
State Farm$94
Novo Next$95
Dairyland$99
Novo$100
Just Unlimited$105
Safeco$106
Hiroad$106
Bristol West$109
GEICO$109
Direct Auto$113
Trexis$123
Clearcover$125
AssuranceAmerica$126
Root$126
GAINSCO$127
Allstate$133
Travelers$138
Covercube$139
COUNTRY Financial$151
American Family$153
Farmers$162
Liberty Mutual$167
The Hartford$168
Nationwide$180

Find the Best Company for You

Local rates start as low as $51 per month.

Excellent
4.6 out of 5 based on 613 reviews
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ProgressiveLiberty MutualAllstate

Yuma Auto Insurance FAQs

Shopping for car insurance can feel overwhelming. We’ve answered some common questions for drivers around Yuma to help make the process easier.

  • How much is car insurance in Yuma?

    For a minimum liability car insurance policy, the average monthly premium in Yuma is $77, according to Compare.com data. The average for full coverage is $131 per month.

  • What’s the cheapest auto insurance company in Yuma?

    Just Pay-Per-Mile offers the cheapest average car insurance rates in Yuma, at $51 per month, according to Compare.com data.

  • What’s the best car insurance company in Yuma?

    Yuma’s car insurance market is crowded with good insurance companies catering to all types of drivers. State Farm, USAA, and COUNTRY Financial are definitely among the best, but it really depends on your own insurance needs.

  • Is car insurance in Yuma expensive?

    It depends. In Yuma, car insurance rates average $104, according to Compare.com data. That’s compared to an average of $131 across all of Arizona and $140 nationwide.

  • Is minimum coverage enough in Yuma?

    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.

  • What company has the cheapest car insurance in Arizona?

Sources

  1. Military Installations. "MCAS Yuma."
  2. Ambest.com. "A.M. Best Affirms Ratings of COUNTRY Financial PC Insurance Group Members and COUNTRY Financial Life Group Members."
  3. Ambest.com. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Core Subsidiaries."
  4. Arizona Department of Transportation. "Vehicle Insurance Information."
  5. III. "Auto insurance basics—understanding your coverage."
  6. III. "What determines the price of an auto insurance policy?."
  7. Insurance Institute for Highway Safety. "Teenagers."
  8. III. "Background on: Insurance scoring."

Methodology

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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Charlie Hope D'Anieri
Written byCharlie Hope D'AnieriInsurance Writer
Charlie Hope D'Anieri
Charlie Hope D'AnieriInsurance Writer

Charlie Hope DAnieri 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.

Sara Getman
Edited bySara GetmanInsurance Editor
Sara Getman headshot
Sara GetmanInsurance Editor

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.

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