Cheapest Auto Insurance in Yuma, Arizona (2025)
Mile Auto has the cheapest car insurance in Yuma, with rates of $49 per month.
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The average monthly cost of insurance in Yuma is $104, based on Insurify’s internal proprietary data. That’s less than the average cost of car insurance in Arizona of $127 per month.
Yuma’s cheaper-than-average rates are probably due to the low population of fewer than 100,000, which could mean fewer car accidents and car thefts.1 Yuma’s warm, sunny weather also means it doesn’t snow or rain often — if at all — reducing the chance of icy and wet road conditions.2
Here’s how to compare car insurance quotes and get cheap auto coverage in Yuma.
3 of the cheapest car insurance companies in Yuma
You have many opportunities to find good car insurance companies in Yuma, but the one that’s best for you will depend on your needs and financial situation. You may care about finding the cheapest coverage, the best customer service, or high-risk car insurance.
Here are three options to start your search for the best car insurance in Yuma.
Best insurer for families: Auto-Owners
Best insurer for low-mileage drivers: Mile Auto
Best insurer for specialty coverage: State Farm
How to get the cheapest car insurance in Yuma
What you pay for car insurance depends on various factors, including your age, gender, ZIP code, driving record, vehicle, credit history, and how much coverage you want. Fortunately, you can bring down your car insurance costs to find cheap coverage in Yuma. Here’s how:
Compare quotes. If you’re looking for the cheapest car insurance in Yuma, it’s always a good idea to do some comparison shopping and compare rates from at least three insurance companies.
Bundle coverage. Many car insurance companies offer discounts if you purchase more than one policy. Consider bundling auto and home or renters insurance to save on both policies.
Look for discounts. When shopping for car insurance, check out how many discounts insurance companies offer. The more you’re eligible for, the more money you could save on car insurance.
Cheapest liability-only car insurance in Yuma: Mile Auto
Liability-only car insurance covers other people’s injuries and property damage from a car accident you cause. Remember, if you have liability-only coverage, it doesn’t pay for your own injuries or property damage — only the other parties’.
Liability-only car insurance in Yuma costs an average of $78 per month.
The table below shows the cheapest liability car insurance companies in Yuma.
Cheapest full-coverage car insurance in Yuma: Mile Auto
Full-coverage car insurance is typically a combination of liability-only, collision, and comprehensive insurance. This added protection pays for your vehicle repairs, even if you caused the accident. Full-coverage insurance can also include medical payments or personal injury protection (PIP) to pay for your injuries, depending on the state.
If you have an expensive car or worry you can’t afford vehicle repairs, full-coverage insurance is a good idea. In Yuma, drivers pay an average of $131 per month for a full-coverage policy.
Here are the cheapest full-coverage car insurance companies in Yuma.
Car insurance requirements in Arizona
Arizona requires drivers to purchase and maintain liability insurance limits of 25/50/15. Here’s what those numbers mean:4
Depending on your needs, you also may want to consider purchasing additional insurance coverage, including:
Cheapest car insurance for drivers with an incident
If you have an incident on your driving record, such as a speeding ticket, at-fault accident, or driving under the influence (DUI) conviction, your car insurance rates will likely increase.
Your driving record tells insurers how likely you are to file a claim; the more incidents on your record, the higher your risk. Insurance companies generally increase rates to offset your risk.
Here’s how your driving record affects car insurance rates in Yuma.
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Speeding tickets usually cause your car insurance premiums to increase because of the risk it poses. For instance, speed was a factor in 29% of crash fatalities in 2021.5
The average cost of liability car insurance for drivers with a speeding ticket in Yuma is $95 per month. Here are other cheap insurance companies after a speeding ticket for you to compare.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
Yuma County reported a little more than 2,600 car crashes in 2022, the most recent year with data available.6 Car accidents can result in injury and death, which is why insurance companies increase rates for drivers who cause crashes. How much your car insurance increases after an accident in Yuma depends on the severity and claim payout amount.
Yuma drivers pay an average of $100 per month when they have an at-fault accident on their record. Here’s how car insurance companies’ rates change after an accident.
Cheapest car insurance for drivers with a DUI: Mile Auto
Driving under the influence is a very serious violation that will almost certainly increase your premiums, even if you didn’t cause an accident. In 2022, Yuma Country reported 150 alcohol-related crashes, resulting in two deaths.6 Arizona may revoke your license after a DUI conviction and require you to file an SR-22 form to reinstate it, which can also increase your premiums.
Drivers in Yuma pay an average of $104 per month for liability coverage after a DUI. Here are other cheap insurance options to consider.
Cheapest car insurance for seniors: Mile Auto
Your age is an important factor insurance companies consider when determining your premiums. While rates generally decrease as you get older, they can increase slightly around age 70 due to age-related issues that can affect driving ability.7 Despite this increase, car insurance for seniors is still cheap compared to younger age groups.
In Yuma, senior drivers pay an average of $66 per month for liability coverage in Yuma.
Here are the most affordable car insurance companies in the city for older drivers.
Cheapest car insurance for teens: Mile Auto
Teenagers and young drivers pay the most for car insurance out of any other age group because they have the least experience and pose the highest risk behind the wheel.8 But it’s still possible to get cheap car insurance as a teen driver. Look for teen-specific discounts, drive a low-value vehicle with plenty of safety features, and stay on your parents’ insurance for lower rates.
Yuma teens pay an average of $165 per month for liability car insurance. Here are the cheapest car insurance companies in Yuma for teen drivers.
Yuma car insurance quotes by credit tier
Arizona allows car insurance companies to use your credit history as a factor when determining your car insurance premiums.3 Insurance companies believe that drivers with poor credit are more likely to file a claim, so they charge them more expensive premiums. Inversely, drivers with good credit pay cheaper average rates.
Here’s how credit history can affect car insurance rates in Yuma.
Is car insurance more expensive in Yuma?
On average, drivers in Yuma, Arizona, pay cheaper rates than drivers in other Arizona cities. For example, drivers in Phoenix pay an average of $120 per month for liability coverage and $202 per month for full coverage. One of the only Arizona cities where drivers pay cheaper average rates than Yuma is Lake Havasu City, which has even fewer residents than Yuma.
Yuma’s relatively small population and generally sunny climate help keep rates lower than in other cities.
More cities in Arizona
Here’s the average monthly cost of car insurance in other Arizona cities.