How to find the cheapest car insurance in Yuma

On average, car insurance in Yuma costs $97 per month for minimum liability coverage, or about $159 per month for full-coverage insurance. Yuma drivers pay 28% less than National the average.

Smart car insurance shoppers in Yuma, Arizona turn to Jerry every month, because Jerry makes it easy for customers to compare and purchase affordable car insurance. Below are some of the cheapest car insurance quotes Jerry found for customers in Yuma.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Progressive	$142	41	85364	Honda Passport Sport	State Minimum	Yes
Bristol West	$89	67	85364	Toyota 4Runner Sr5	State Minimum	No
Progressive	$52	66	85364	Nissan Altima Sr	State Minimum	No
Trexis	$41	29	85364	Mazda Mx-5 Miata	State Minimum	No
Trexis	$149	19	85365	Chrysler 300 Touring	State Minimum	No

Last Updated Dec 17, 2024

Best car insurance companies in Yuma

The five largest insurers in Arizona are State Farm, Berkshire Hathaway (i.e. GEICO), Progressive, Farmers, and Liberty Mutual—but biggest doesn’t always mean best.

When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone. Aside from the cost, you’ll also want to consider factors such as claims handling and customer service when choosing a company.

To help drivers better compare the best and cheapest car insurance companies in Arizona, Jerry conducted the largest insurance survey in the nation. According to our results, smaller insurers actually received the highest ratings from Arizona drivers: companies like American Family, Auto-Owners, Gainsco, Commonwealth, and The Hartford.

Insurance company	Overall rating	Price	Claims experience	Customer service
USAA	4.8	4.3	N/A	4.8
Progressive	4.4	4	4.2	4.5
Geico	3.9	3.3	4.5	4
State Farm	3.6	3.6	2.3	4.8
Farmers	3.5	3.3	4.3	3.7

Best cheap car insurance quotes in Yuma

Arizona’s minimum car insurance requirements reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Yuma. However, minimum liability coverage provides minimal financial protection.

You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Grand Canyon State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Arizona, and how it could affect your policy choices in Yuma.

https://youtu.be/5bonwttw59g?t=3

Cheap minimum liability insurance quotes in Yuma

Minimum liability coverage in Arizona means at least $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $15,000 of property damage liability coverage per accident.

These coverages are commonly referred to as 25/50/15 coverage. With this basic liability coverage, you’ll be protected up to your policy’s limits in the event that you are responsible for injuries or property damage while driving.

Here are some examples of Yuma car owners that Jerry has assisted with obtaining minimum liability coverage.

Do you need more than minimum coverage in Yuma?

Legally, drivers in Yuma don’t need to carry more than the minimum liability coverage mandated by Arizona’s car insurance laws—but financially, many drivers may want to.

In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/15 limit, especially if you cause serious injuries to another person. Once you’ve hit your liability coverage limits, your auto insurance policy won’t pay extra—meaning you could be responsible for paying the difference out of pocket.

You should also keep in mind that Arizona’s car accident laws allow drivers to file personal injury lawsuits for up to two years following a car accident—so your liability extends long past the initial incident!

The bottom line: Consider raising your coverage level if you can afford it—a 50/100/30 liability insurance policy offers better financial protection than the minimum.

Cheap full coverage car insurance quotes in Yuma

Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your own vehicle.

A full-coverage car insurance policy typically includes collision coverage and comprehensive coverage, in addition to your state’s minimums. Collision coverage protects you from repair costs associated with hitting another vehicle or a stationary object, while comprehensive coverage protects you from vandalism, theft, and non-collision damage.

Lease and financing agreements often require you to carry both collision and comprehensive coverage. On top of a full-coverage policy, you can purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.

Check out the table below to see what real Jerry drivers pay for various levels of coverage:

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
State Minimum	Yes	Progressive	$142	41	85364	Honda Passport Sport
State Minimum	No	Bristol West	$89	67	85364	Toyota 4Runner Sr5
State Minimum	No	Progressive	$52	66	85364	Nissan Altima Sr
State Minimum	No	Trexis	$41	29	85364	Mazda Mx-5 Miata
State Minimum	No	Trexis	$149	19	85365	Chrysler 300 Touring

Last Updated Dec 17, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.

Jerry, a top insurance agency, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Yuma

Based on Jerry’s work finding the best car insurance for drivers in Yuma, we’ve found that the average annual cost minimum liability coverage is $1,164 each year. That works out to about $97 per month. For full coverage, Yuma drivers typically pay $1,904 per year or $159 per month.

While average insurance rates can help you predict your own insurance costs, it’s important to note that every driver’s insurance premium is calculated differently.

Car insurance companies look at many different factors when calculating your annual premiums, including your demographics, driving record, and discount eligibility—so your actual costs may vary significantly from the state average.

Average cost of car insurance in Yuma by zip code

Even within the same city, car insurance rates can still vary. That’s because the rate of car accidents, auto theft, and other incidents can differ between neighborhoods—and areas that experience higher rates are consequently considered higher risk.

As a result, drivers living in these neighborhoods could face higher premiums than drivers in other areas of the city

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
85364	$56	$109
85365	$66	$145

Car insurance quotes in Yuma by rating factors

Insurance companies in Yuma use many rating factors when deciding your auto insurance premium:

• Your driving record and claims history: Accidents, tickets, or other traffic violations on your driving record could result in above-average auto insurance rates.
• Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
• Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage cost more for luxury, high-performance, and sports cars.
• Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
• How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.

Cheap car insurance quotes in Yuma after driving violations

Violations on your record hurt your car insurance rates. Violations drive up the cost of your annual premiums, especially if you have serious infractions on your record.

Some common violations that could increase your insurance rates include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license

Cheapest car insurance in Yuma after speeding ticket

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Speeding Violation-Major	Bristol West	$89	67	85364	Toyota 4Runner Sr5	State Minimum	No
Speeding Violation-Minor	Progressive	$52	66	85364	Nissan Altima Sr	State Minimum	No
Speeding Violation-Major	Commonwealth Insurance	$51	32	85365	Nissan Sentra S	State Minimum	No
Speeding Violation-Minor	Bluefire	$38	67	85364	Toyota 4Runner	State Minimum	No
Speeding Violation-Major	Progressive	$90	34	85364	Toyota Corolla Cross Xle	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest car insurance in Yuma after DUI

Driving with a blood-alcohol level of 0.08% or higher violates Arizona’s DUI laws. A DUI conviction comes with a maximum sentence of $1,480 in fines, 10 consecutive days in jail, and a driver’s license suspension of 90 days.

Your auto insurance rates will be similarly affected. The good news is, Jerry has helped many drivers in Yuma obtain affordable auto insurance rates after a DUI.

Cheapest car insurance in Yuma after an at-fault accident

It takes a few mistakes to become a good driver. An at-fault accident might tarnish your clean driving record, but it’ll clear up eventually. In the meantime, don’t feel you have to stick with a car insurance company that penalizes you needlessly with sky-high insurance rates.

Jerry users found companies willing to work with them and their driving history while offering them savings.

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
At Fault With No Injury	Progressive	$142	41	85364	Honda Passport Sport	State Minimum	Yes
Not At Fault	Bristol West	$89	67	85364	Toyota 4Runner Sr5	State Minimum	No
At Fault With No Injury	Progressive	$250	34	85365	Nissan Rogue Sv	State Minimum	Yes
Not At Fault	Commonwealth Insurance	$51	32	85365	Nissan Sentra S	State Minimum	No
At Fault With No Injury	Progressive	$102	61	85367	Chevrolet C2500	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest car insurance in Yuma after other driving violations

Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry has helped other Yuma drivers find cheap car insurance despite previous violations.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Other Minor	Progressive	$142	41	85364	Honda Passport Sport	State Minimum	Yes
Failure to Obey Signal	Progressive	$250	34	85365	Nissan Rogue Sv	State Minimum	Yes
Driving on Sus. License	Bluefire	$38	28	85365	Honda Civic Lx	State Minimum	No
Other Minor	Progressive	$107	27	85364	Bmw 428 I	State Minimum	No
Failure to show documents	Mendota	$31	42	85365	Honda S2000	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Yuma by age

The golden years for cheap car insurance fall between the ages of 25 and 75. By that time, teen drivers have gained the experience they need to drive safely—and the income to pay their bills.

Cheapest car insurance in Yuma for young drivers

Teen drivers aged 16 to 19 are most likely to be involved in an accident. This risk—coupled with a limited driving and insurance history—means that teen drivers pay the highest premiums of any age group.

And since it’s illegal for anyone to sign a car insurance contract before turning 18, they’ll need to be added to someone else’s policy.

Cheapest car insurance in Yuma for senior drivers

Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.

As a result, car insurance rates start to rise once more when drivers enter their mid-70s.

Cheap car insurance quotes in Yuma based on insurance history

Another factor that can impact your rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in coverage usually leads to an increase in car insurance rates.

Jerry sends payment reminders to our customers, to help ensure timely insurance payments and prevent coverage lapses. We can also help uninsured or previously lapsed customers find savings on new auto insurance policies.

Cheap car insurance quotes in Yuma for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency of filing claims.

Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).

Here’s how drivers with low credit scores saved with Jerry.

Credit Range	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
660-750	Trexis	$41	29	85364	Mazda Mx-5 Miata	State Minimum	No
660-750	Progressive	$52	33	85364	Hyundai Sonata Sport	State Minimum	Yes
<550	Progressive	$250	34	85365	Nissan Rogue Sv	State Minimum	Yes
<550	The General	$84	53	85364	Chevrolet Silverado K1500 Lt	State Minimum	Yes
550-659	Commonwealth Insurance	$51	32	85365	Nissan Sentra S	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Yuma for popular cars

The kind of car you drive plays a central role in determining your annual premiums.

High safety ratings and robust vehicle anti-theft security systems make your car safer to drive, harder to steal, and cheaper to insure. But a luxury interior, rare badges, or sophisticated technology cost more to repair, so auto insurance companies charge you more to insure.

Popular car models in Yuma include:

• Chevrolet Silverado
• RAM 1500 Limited
• Ford F-150
• Toyota Tacoma
• Toyota RAV 4

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Learn more: 11 ways to lower car insurance

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Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Chevrolet Silverado K1500 Lt	The General	$84	53	85364	State Minimum	Yes
Ford F-150	Clearcover	$184	77	85365	100/300	Yes
Chevrolet Silverado K1500 Lt	Mendota	$266	26	85364	State Minimum	Yes
Chevrolet Silverado C1500 Lt	Progressive	$159	43	85364	100/300	Yes
Ford F-150 Supercrew	Assurance America	$75	65	85364	State Minimum	No

Last Updated Dec 17, 2024

How to lower car insurance costs in Yuma

1. Shop around and compare quotes

Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.

That’s where Jerry can help! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.

Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers. Commonly available discounts include:

• Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.
• Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
• Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.
• Bundling discounts: Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.

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