Driving in Yuma, Arizona means you need reliable and affordable auto insurance. Whether you’re a local or new here, finding the right coverage is key. The average monthly cost of car insurance in Yuma is just $114, which is lower than the state average of $141.
This lower cost is thanks to Yuma’s low population and sunny weather. These factors help keep insurance premiums down.
At State Farm, we know what Yuma drivers need. Our agents help you create a policy that matches your car, budget, and how you drive. We offer many options, from liability to comprehensive coverage, to keep you safe on the road.
Key Takeaways
- Affordable car insurance options available in Yuma, Arizona
- Average monthly cost of car insurance in Yuma is $114, lower than the state average
- State Farm provides personalized coverage options to meet your unique needs
- Variety of insurance policies available, including liability, comprehensive, and collision
- Opportunity to save by comparing quotes and exploring discounts
Stay On the Go with the Right Auto Insurance in Yuma
When it comes to auto insurance in Yuma, Arizona, having the right coverage is key. It keeps you and your vehicle safe on the road. Whether you own a luxury sports car or a family camper, State Farm offers various auto insurance options for your needs.
Liability, Comprehensive, and Collision Coverage Options
State Farm provides liability coverage to protect you in accidents. They also offer comprehensive and collision coverage for your vehicle. This way, you can customize your policy to balance protection with affordability.
Insure a Variety of Vehicles, Including Luxury Sports Cars and Campers
Yuma drivers have different needs, from sports cars to RVs. State Farm’s policies cover a wide range of vehicles. This ensures you can enjoy driving with peace of mind.
“With State Farm, you have the flexibility to customize your auto insurance to fit your specific needs and budget in Yuma, Arizona.”
Looking for the best auto insurance coverage in Yuma, AZ? Or need to insure sports cars and RVs in Yuma? State Farm has you covered. Their knowledgeable agents can guide you through the types of car insurance coverage in Yuma. They’ll help you find the perfect policy for your needs.
Affordable Rates from Top Insurers
Finding car insurance in Yuma, Arizona, can be easy with personalized quotes from top companies. State Farm, Root, and Auto-Owners Insurance offer great affordable car insurance rates yuma. This makes it easier for Yuma drivers to get coverage.
In Yuma, drivers pay about $112.08 a month for car insurance. This is lower than the national average of $167.68. Clearcover is the cheapest, costing $81.92 a month. Safeco is next at $89.77, and USAA at $99.71.
| Insurance Company | Average Monthly Rate |
|---|---|
| Clearcover | $81.92 |
| Safeco | $89.77 |
| USAA | $99.71 |
Yuma’s top insurance companies offer many options for car insurance. They have plans that fit different needs and budgets.
The Cheapest Car Insurance Companies in Yuma
If you’re looking for the cheapest auto insurance in Yuma, AZ, you have many options. Policygenius shows Root as the top choice, with a yearly cost of $816 for full coverage.
Auto-Owners Insurance is the next best, costing about $911 a year for full coverage. GEICO, Travelers, and USAA also offer affordable rates.
Root: Lowest Average Rate at $816
Root is the best deal for Yuma drivers wanting to save on car insurance. It offers full coverage for just $816 a year. This is much lower than the national average, making Root a great choice for those seeking the best rates.
Auto-Owners Insurance: Second-Cheapest at $911
Auto-Owners Insurance is another great option for car insurance in Yuma. It costs about $911 a year for full coverage. This makes it the second-cheapest choice, offering a budget-friendly alternative to the top providers.
“Comparing quotes from different insurers and exploring cost-saving strategies can help residents find the most budget-friendly coverage.”
Factors Affecting Car Insurance Rates in Yuma
Getting affordable car insurance in Yuma, Arizona, depends on many things. Insurers look at your age, driving history, credit score, and the car you drive to set your premiums. Your ZIP code in Yuma can also change how much you pay for coverage.
Your age is a big factor in car insurance rates in Yuma. Young drivers (16-20) pay about $2,158 a year on average. Senior drivers (55-65) pay around $573 a year. Insurers see younger, less experienced drivers as riskier.
Your driving record matters too. A clean record means lower auto insurance premiums in Yuma. But, if you have DUIs or speeding tickets, you could pay up to $870 a year with Root Insurance or $955 with another company.
Your credit score also affects your rates. If you have great credit, you might pay as little as $600 a year. But, poor credit could mean paying up to $1,008 annually.
| Factors Affecting Car Insurance Rates in Yuma | Average Annual Premium |
|---|---|
| Age (16-20 years) | $2,158 |
| Age (55-65 years) | $573 |
| Drivers with DUIs | $870 |
| Drivers with Speeding Tickets | $955 |
| Excellent Credit | $600 |
| Poor Credit | $1,008 |
Knowing what affects car insurance rates in Yuma, AZ helps you make smart choices. Look for discounts, drive safely, and keep an eye on your credit to get the best auto insurance premiums in Yuma.
Minimum Car Insurance Requirements in Arizona
In Yuma, Arizona, it’s key to know the state’s car insurance minimums. Arizona requires drivers to have at least $25,000 per person and $50,000 per accident for bodily injury liability. They also need $15,000 for property damage liability. This coverage helps protect others if you’re in an accident. But, it doesn’t cover your car or medical bills.
Many in Yuma pick higher limits or extra coverages for better protection. Some options include:
- Uninsured/Underinsured Motorist (UM/UIM) Coverage: This covers you if you hit someone with no or not enough insurance.
- Comprehensive Coverage: It helps pay for damage to your car from theft, vandalism, or natural disasters.
- Collision Coverage: This covers repairs if you crash into another car or object.
Having the Arizona car insurance minimums is key to avoid fines and stay protected on the road. By picking the right policy, you can drive with confidence in Yuma.
Bodily Injury and Property Damage Liability in Yuma
The minimum car insurance requirements in Arizona are:
- $25,000 per Person/$50,000 per Accident in Bodily Injury Liability – This pays for injuries to others if you’re at fault in an accident.
- $15,000 in Property Damage Liability – This covers damage to another person’s car or property if you’re at fault in an accident.
These limits offer basic protection. But, many in Yuma opt for higher limits for more peace of mind and financial safety.
Yuma Auto Insurance Rates by ZIP Code
Car insurance rates in Yuma, Arizona vary by ZIP code. Crime rates, accident frequency, and parking availability affect prices. These factors lead to price differences across the city.
Policygenius found that full coverage auto insurance costs in Yuma range from $1,424 in ZIP code 85365 to $1,438 in ZIP code 85364. This shows how location affects auto premiums in Yuma. It’s key to look into car insurance rates by zip code in yuma az for the best deals.
“Understanding the nuances of car insurance pricing within a city can help Yuma drivers find the most affordable coverage options for their specific needs and neighborhoods.”
Comparing rates across Yuma’s ZIP codes can save you money on auto insurance. By researching car insurance rates by zip code in yuma az, drivers can find the best deals for their area.
Choosing the Right Car Insurance Company
When picking a car insurance provider in Yuma, look beyond just the lowest price. As you search for the best car insurance company in Yuma, compare coverage options, customer service, and financial strength. Companies like State Farm, Auto-Owners, and Mile Auto offer various policy choices and discounts for Yuma drivers.
Key Considerations for Buying Auto Insurance in Yuma, AZ
- Cost: Compare quotes from several insurers to find the most affordable car insurance in Yuma. The cheapest option might not always offer the best coverage.
- Coverage: Check the policy details to make sure you get the protection you need, including liability, comprehensive, and collision coverage.
- Customer Service: Look into the insurer’s reputation for customer satisfaction and their claim handling efficiency.
By carefully considering these factors to consider when buying auto insurance in Yuma AZ, you can find the right car insurance company. This balance should include cost, coverage, and quality service that meets your needs.
| Insurance Company | Average Full Coverage Rate | Customer Satisfaction Score |
|---|---|---|
| Progressive | $1,627 per year | 614 out of 1,000 |
| GEICO | $1,480 per year | 874 out of 1,000 |
| Travelers | $1,898 per year | 854 out of 1,000 |
| USAA | $1,608 per year | 890 out of 1,000 |
“Selecting the right car insurance company in Yuma is crucial to ensuring you have the coverage and support you need on the road.”
yuma auto insurance
Yuma residents can find many auto insurance options to protect their cars. By comparing quotes and understanding what they need, drivers can find affordable, reliable policies. This makes sure their cars are covered.
Yuma Insurance, Inc. is a local agency that offers auto insurance tailored to Yuma’s needs. They work with many insurance companies. This means they can offer a lot of coverage options, like liability, comprehensive, and collision coverage. They cover everything from luxury sports cars to campers.
| Auto Insurance Service | Description |
|---|---|
| Liability Coverage | Protects drivers in the event of an accident where they are found legally liable for damages to another person or their property. |
| Comprehensive Coverage | Covers damages to the policyholder’s vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters. |
| Collision Coverage | Provides protection for the policyholder’s vehicle if it is damaged in a collision with another vehicle or object. |
Yuma Insurance, Inc. also has discounts and programs, like the Vanishing Deductible®. This rewards Yuma drivers for driving without claims for a year. This way, Yuma auto insurance customers can save money and get better coverage.
“The team at Yuma Insurance, Inc. provided prompt and professional service, helping me find the right car insurance policy for my needs. I highly recommend their services to anyone in the Yuma area.”
Car Insurance Rates for Drivers with Violations
In Yuma, Arizona, drivers with DUIs or speeding tickets pay more for car insurance. Policygenius shows that car insurance rates for drivers with DUIs start at $870 a year with Root. For auto insurance for drivers with speeding tickets, the average rate is $955 a year, also with Root.
Rates for Drivers with DUIs and Speeding Tickets
The table below shows the average car insurance rates for Yuma drivers with a DUI or speeding ticket:
| Violation | Root | Auto-Owners Insurance |
|---|---|---|
| DUI | $870 | $1,665 |
| Speeding Ticket | $955 | $1,780 |
Drivers with a DUI or speeding ticket pay more for car insurance in Yuma. Taking steps like keeping a good driving record and comparing rates can lower your costs.
Rates for Drivers with Poor Credit
In Yuma, a driver’s credit score can greatly affect auto insurance rates. Policyholders with poor credit pay more than those with good credit. Drivers with low scores in Yuma might pay up to $1,480 a year with GEICO. The cheapest option for them could be Root at $1,008 a year.
The impact of credit score on auto insurance rates in Yuma is important for drivers to know. Those with poor credit in Yuma, AZ should look for discounts or compare quotes from different insurers. This can help them find cheaper car insurance for bad credit.
| Insurance Provider | Annual Rate for Drivers with Poor Credit |
|---|---|
| GEICO | $1,480 |
| Root | $1,008 |
“In Yuma, Arizona, your credit score can have a significant impact on the auto insurance rates you’re quoted. Drivers with poor credit may face much higher premiums compared to those with excellent credit.”
Discounts and Ways to Save on Car Insurance
Yuma drivers can save a lot on their car insurance costs. One top way is to bundle auto insurance with other policies like homeowners or renters insurance. This can lead to big discounts from insurance companies.
Keeping a good credit score is key to getting affordable car insurance rates in Yuma. Insurance companies look at credit history to set premiums. So, a good credit score can lower your auto insurance costs.
Defensive driving courses are another smart move to save on how to get cheap car insurance in yuma az. Showing you’re serious about safe driving can get you discounts. This can help you save on your auto coverage.
Bundling Policies, Maintaining Good Credit, and Taking Driving Courses
- Bundle auto insurance with other policies like homeowners or renters insurance for discounts
- Maintain a good credit score to secure lower discounts and savings on auto coverage in yuma
- Complete defensive driving courses to potentially qualify for insurance discounts
| Discount Type | Potential Savings |
|---|---|
| Multi-Policy Bundling | Up to 25% off |
| Good Credit | Up to 40% off |
| Defensive Driving Course | 5-15% off |
“By taking advantage of available discounts and maintaining good driving habits, Yuma drivers can significantly reduce their auto insurance costs and enjoy greater financial security on the road.”
Comparing Car Insurance Quotes in Yuma
Finding the right car insurance in Yuma, Arizona, is easy. By comparing quotes from different providers, you can get the best deal on auto coverage. This way, you’ll find a policy that suits your needs and budget.
Online platforms like Policygenius make it simple to compare car insurance quotes in Yuma Arizona. Just enter your details, like your age, driving history, and vehicle info. Then, you’ll see personalized quotes from top insurers side-by-side instantly.
- Policygenius lets you compare quotes from State Farm, Geico, Progressive, and more.
- You can filter and sort the results to find the most affordable options in Yuma.
- The platform also offers info on different car insurance coverage types, helping you make a smart choice.
In Yuma, car insurance costs about $97 a month for minimum coverage or $159 for full coverage. By comparing car insurance quotes in Yuma Arizona, you could save hundreds a year on premiums.
To get the best deal on auto coverage in Yuma, shop around and compare many quotes. With the right coverage at a good price, you’ll feel secure on Yuma’s roads.
State Farm: Specialty Coverage for Electric, Classic, and Sports Cars
Looking for insurance for your unique vehicle in Yuma? State Farm has you covered with special options. They offer coverage for electric cars, classic cars, and sports cars. You’ll find the right protection for your vehicle.
A++ financial strength rating and top customer satisfaction in the Southwest make State Farm a trusted choice. They have the experience to protect your specialty vehicle well.
- Comprehensive coverage for electric cars, including battery replacement and charging station protection
- Specialized policies for classic cars that account for their unique maintenance requirements and appreciating value
- Custom coverage options for sports cars, prioritizing performance, safety, and liability protection
Choosing state farm auto insurance in Yuma or car insurance for specialty vehicles in Yuma means peace of mind. Your special vehicle is in good hands. State Farm’s local agents will help you find the best insurance plan.
“State Farm has been a reliable insurance partner for my classic car. Their coverage has protected my investment and given me the confidence to enjoy driving this cherished vehicle.”
Don’t settle for basic auto insurance. Choose State Farm for the specialized coverage your Yuma specialty vehicle needs. Contact a local agent today to see your options and get the right protection.
Conclusion
Drivers in Yuma have many affordable car insurance options from companies like State Farm, Root, and Auto-Owners Insurance. They can look at cost, coverage, and customer service to find the right policy. With lower than average insurance rates in Yuma, now is a good time to shop for coverage.
Understanding what affects insurance rates in Yuma is key. This includes coverage types, driving records, and where you live. Yuma residents can use discounts and compare quotes to find the best coverage for their budget. Knowing the minimum insurance requirements and the risks of driving without it helps drivers make smart choices.
When looking for the best auto coverage in Yuma, research, budgeting, and checking the reliability of insurance providers matter. Yuma drivers can use tools like rate comparisons and online resources to pick the right policy. With the right insurance, Yuma residents can drive with confidence and peace of mind.
Source Links
- How Much Is Car Insurance in Yuma, AZ?
- Arizona auto insurance | Root Insurance
- Insurance Agency in Yuma, Arizona | Find A Yuma Insurance Agent | Get A Quote
- Cheapest Car Insurance Arizona
- Martin Armijo – State Farm Insurance Agent in Yuma, AZ
- Cheap Car Insurance Rates in Yuma, Arizona | SmartFinancial
- Cheap Car Insurance in Yuma, AZ, Starting at $39
- Best Car Insurance in Yuma, AZ (2024) – Policygenius
- 8 Best Yuma, AZ Local Car Insurance Agencies | Expertise.com
- Car Insurance Yuma AZ: Affordable Coverage Options
- Yuma, AZ Car Insurance,
