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

At $49 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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Cheapest recent rates near Yuma, Arizona

Recent Yuma, Arizona car insurance prices for BMW, Toyota, Buick , and more.

*These quotes are from Compare.com users in and around Yuma, Arizona within the last 10 days. Updated on May 18, 2026

The rates you see here are from a combination of recent Compare.com customers and data compiled in collaboration with Quadrant Information Services.
Our algorithm excludes anomalies and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity. All rates are from the last 10 days as of May 18, 2026.
Actual quotes may vary based on your unique driver profile.

*These quotes are from Compare.com users in and around Yuma, Arizona within the last 10 days. Updated on May 18, 2026

The rates you see here are from a combination of recent Compare.com customers and data compiled in collaboration with Quadrant Information Services.
Our algorithm excludes anomalies and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity. All rates are from the last 10 days as of May 18, 2026.
Actual quotes may vary based on your unique driver profile.
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.

Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
  • Senior Director, Media Relations, with Triple-I

  • 30+ years of industry experience

  • Leadership positions at several trade organizations

Mark Friedlander is Senior Director, Media Relations, at the Insurance Information Institute (Triple-I), where he serves as a national spokesperson, handling a wide array of insurance industry media issues. His responsibilities also include spearheading the association’s hurricane season communications strategy and its member company support and media outreach.

Throughout his 30+ years in the insurance industry, Mark has held leadership positions across multiple trade groups, including serving as Board Chair and President of the Insurance Marketing & Communications Association (IMCA). He has also advised editorial teams at organizations such as U.S. News & World Report, Insurify, Bankrate, and more.

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The average car insurance rate in Yuma, Arizona, is $101 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 $49 per month. 

  • On average, drivers in Yuma pay $76 per month for liability coverage and $127 for full coverage. 

  • We recommend State Farm, USAA, and COUNTRY Financial as some 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.
$69/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.
$119/mo
4.6
Best choiceBased on 171 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 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.

Pros
  • A++ (Superior) financial strength rating from AM Best

  • Best-in-class customer satisfaction rating

  • Military-specific discounts and bundling opportunities

Cons
  • Available only to military community

  • Doesn‘t offer 24/7 customer service

  • Average rates may be higher than some competitors

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
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.
$120/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.
$207/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 has a strong track record of paying customer claims.[2]

Pros
  • Numerous discounts and bundling opportunities

  • Many ways to customize your policy

  • Strong customer service ratings from J.D. Power

Cons
  • Gap insurance not available

  • Policies must be purchased through a COUNTRY Financial 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.
$62/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.
$106/mo
4.1
Best choiceBased on 826 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 328 State Farm reviews
Mary
Verified Review
Unhappy
I've found that on my new lease, the price has gone up considerably.
Joanne
Verified Review
Hopeless
Too costly for senior drivers who don't drive much, are on low income, have older cars, and only need state-mandated coverage with no tickets against them. Auto insurance companies need to offer affordable insurance.
Robert
Verified Review
My experience was okay
The individual I spoke to sounded like they were new and that I was their third or fourth customer.
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 from J.D. Power

  • Rideshare insurance available

  • Good bundling discount

Cons
  • 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

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: Sunday, May 10 at 5:00 PM PDT. 
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
Just Pay-Per-Mile$49
Auto-Owners$50
Mile Auto$55
Progressive$57
Certainly$62
State Farm$62
Sun Coast$62
Aspire General$66
Novo Flex$68
Mercury$69
USAA$69
The General$72
Novo Next$73
Novo$77
Dairyland$79
Just Unlimited$81
Hiroad$82
Safeco$83
GEICO$84
Bristol West$85
National General$86
Direct Auto$88
Trexis$95
Commonwealth Casualty$96
Clearcover$97
AssuranceAmerica$98
GAINSCO$99
Root$99
Allstate$103
Travelers$106
Covercube$107
Country Financial$120
American Family$121
The Hartford$124
Farmers$125
Liberty Mutual$136
Nationwide$140
Foremost$169
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 Sunday, May 10 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 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.

Estimated Cost: $187 per month
Category
Price
$783.9%
$965.3%
$1157.0%
$1337.9%
$1527.9%
$1718.4%
$1897.6%
$2087.5%
$2276.8%
$2455.8%
$2645.5%
$2824.8%
$3014.0%
$3203.7%
$3383.1%
$3572.9%
$3762.4%
$3942.0%
$4131.9%
$4311.6%
40.4% of drivers like you pay less for car insurance. Compare quotes to save up to $1308 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 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
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 $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.

The below rates in Yuma, AZ, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Cheapest Liability Rates by Company

Company
Average Monthly Premium
Just Pay-Per-Mile$49
Auto-Owners$50
Mile Auto$55
Progressive$57
Certainly$62
State Farm$62
Sun Coast$62
Aspire General$66
Novo Flex$68
Mercury$69
USAA$69
The General$72
Novo Next$73
Novo$77
Dairyland$79
Just Unlimited$81
Hiroad$82
Safeco$83
GEICO$84
Bristol West$85
National General$86
Direct Auto$88
Trexis$95
Commonwealth Casualty$96
Clearcover$97
AssuranceAmerica$98
GAINSCO$99
Root$99
Allstate$103
Travelers$106
Covercube$107
Country Financial$120
American Family$121
The Hartford$124
Farmers$125
Liberty Mutual$136
Nationwide$140
Foremost$169

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 $127 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: Sunday, May 10 at 5:00 PM PDT. 

Cheapest Full-Coverage Rates by Company

Company
Average Monthly Premium
Auto-Owners$86
Just Pay-Per-Mile$93
Mile Auto$94
Novo Flex$94
Novo Next$99
State Farm$106
Sun Coast$106
Safeco$114
Progressive$116
Novo$117
USAA$119
Mercury$120
Aspire General$126
GEICO$136
Hiroad$148
Root$153
Bristol West$157
Just Unlimited$157
Clearcover$159
Direct Auto$161
National General$165
Certainly$168
Liberty Mutual$173
Allstate$177
The General$177
Travelers$183
Trexis$187
AssuranceAmerica$188
Commonwealth Casualty$200
Dairyland$201
Country Financial$207
American Family$208
Covercube$213
The Hartford$214
Farmers$215
GAINSCO$218
Nationwide$241
Foremost$331

Compare Real-Time Car Insurance Quotes in Yuma

Rates in Yuma start at $49 per month.

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4.7 out of 5 based on 668 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 $128 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: Sunday, May 10 at 5:00 PM PDT. 

Cheapest Rates With a Ticket

Company
Average Monthly Premium
Just Pay-Per-Mile$62
Auto-Owners$66
Mile Auto$67
Progressive$72
Certainly$79
Sun Coast$79
State Farm$79
Aspire General$84
Novo Flex$86
USAA$90
Novo Next$93
Mercury$96
The General$97
Novo$98
Dairyland$99
Just Unlimited$103
Hiroad$104
Bristol West$108
National General$108
Safeco$110
GEICO$111
Direct Auto$111
Commonwealth Casualty$115
GAINSCO$119
Trexis$121
Clearcover$125
AssuranceAmerica$126
Root$133
Allstate$135
Covercube$136
Travelers$139
American Family$158
Farmers$161
Country Financial$164
The Hartford$173
Liberty Mutual$175
Nationwide$183

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 $128 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: Sunday, May 10 at 5:00 PM PDT. 

Cheapest Rates With an Accident

Company
Average Monthly Premium
Just Pay-Per-Mile$66
Auto-Owners$67
Mile Auto$75
Progressive$77
State Farm$83
Certainly$84
Sun Coast$84
Aspire General$89
Novo Flex$92
USAA$94
Novo Next$98
The General$100
Novo$104
Mercury$104
Dairyland$106
Just Unlimited$109
Hiroad$110
GEICO$112
Bristol West$113
National General$116
Safeco$117
Direct Auto$121
Trexis$128
Commonwealth Casualty$128
GAINSCO$128
AssuranceAmerica$132
Root$135
Allstate$140
Clearcover$140
Covercube$144
Travelers$145
American Family$164
Country Financial$166
Farmers$169
The Hartford$175
Liberty Mutual$183
Nationwide$191

Cheapest after a DUI: Just Pay-Per-Mile

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 $128 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: Sunday, May 10 at 5:00 PM PDT. 

Cheapest Rates With a DUI

Company
Average Monthly Premium
Just Pay-Per-Mile$67
Auto-Owners$70
Mile Auto$77
Progressive$78
Certainly$85
Sun Coast$85
State Farm$87
Aspire General$91
Novo Flex$93
USAA$97
The General$98
Novo Next$100
Mercury$103
Novo$106
Dairyland$111
Just Unlimited$111
Hiroad$113
GEICO$117
Bristol West$120
National General$121
Safeco$124
Direct Auto$124
Trexis$130
Commonwealth Casualty$131
Clearcover$136
AssuranceAmerica$138
GAINSCO$139
Root$140
Allstate$145
Covercube$147
Travelers$149
American Family$162
Country Financial$165
Farmers$176
The Hartford$182
Liberty Mutual$191
Nationwide$197

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 $215 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.

The below rates in Yuma, AZ, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Cheapest Rates for Teens

Company
Average Monthly Premium
Just Pay-Per-Mile$104
Auto-Owners$110
Progressive$121
Mile Auto$122
State Farm$130
Certainly$132
Sun Coast$132
Mercury$137
USAA$139
Aspire General$141
The General$141
Novo Flex$145
Dairyland$150
Novo Next$156
Novo$164
Bristol West$164
GEICO$165
Just Unlimited$173
Clearcover$174
Hiroad$175
Safeco$182
Direct Auto$185
National General$186
Root$188
GAINSCO$192
Commonwealth Casualty$195
Trexis$202
Country Financial$212
AssuranceAmerica$219
Allstate$220
Covercube$228
Travelers$238
American Family$248
Liberty Mutual$260
Farmers$270
Nationwide$295
The Hartford$300

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 $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.

The below rates in Yuma, AZ, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Cheapest Rates for Seniors

Company
Average Monthly Premium
Auto-Owners$39
Just Pay-Per-Mile$41
Mile Auto$43
State Farm$48
Progressive$48
Certainly$52
Sun Coast$52
Mercury$54
USAA$55
Aspire General$56
Novo Flex$57
The General$61
Novo Next$62
Novo$65
GEICO$66
Dairyland$66
National General$67
Just Unlimited$68
Hiroad$69
Bristol West$70
Direct Auto$71
Safeco$72
AssuranceAmerica$76
Commonwealth Casualty$76
Trexis$80
Root$82
Allstate$83
Travelers$84
GAINSCO$84
Clearcover$85
The Hartford$88
Covercube$90
Country Financial$94
American Family$96
Farmers$98
Nationwide$106
Liberty Mutual$112

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 $126 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: Sunday, May 10 at 5:00 PM PDT. 

Cheapest Rates With Bad Credit

Company
Average Monthly Premium
Just Pay-Per-Mile$61
Mile Auto$68
Progressive$71
Auto-Owners$75
Certainly$78
Sun Coast$78
Aspire General$83
Mercury$85
USAA$85
Novo Flex$85
The General$89
State Farm$89
Novo Next$91
Novo$96
Dairyland$98
Just Unlimited$101
Safeco$102
Hiroad$103
GEICO$104
Bristol West$105
National General$106
Direct Auto$109
Commonwealth Casualty$118
Trexis$119
Clearcover$120
AssuranceAmerica$121
GAINSCO$122
Root$122
Allstate$127
Travelers$131
Covercube$134
Country Financial$145
American Family$146
Farmers$154
The Hartford$160
Liberty Mutual$163
Nationwide$173

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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 $76, according to Compare.com data. The average for full coverage is $127 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 $49 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 and USAA 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 $101, 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.

About Compare.com

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.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

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.

Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
  • Senior Director, Media Relations, with Triple-I

  • 30+ years of industry experience

  • Leadership positions at several trade organizations

Mark Friedlander is Senior Director, Media Relations, at the Insurance Information Institute (Triple-I), where he serves as a national spokesperson, handling a wide array of insurance industry media issues. His responsibilities also include spearheading the association’s hurricane season communications strategy and its member company support and media outreach.

Throughout his 30+ years in the insurance industry, Mark has held leadership positions across multiple trade groups, including serving as Board Chair and President of the Insurance Marketing & Communications Association (IMCA). He has also advised editorial teams at organizations such as U.S. News & World Report, Insurify, Bankrate, and more.

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