Arizona’s 213,000 residents make up less that 1% of the state’s total population. The county’s drivers still need affordable car insurance because of the heat. Yuma car insurance is quite affordable at $490/year for minimum coverage, and $1,439/year for full coverage.
Yuma drivers will find it easier to search for affordable car insurance by Bankrate. They have compared multiple carriers and found the best deals in Yuma. The best carriers stand out by analyzing key factors such as financial strength ratings, customer service marks, coverages, and discounts. The good news? Many of these carriers provide quality coverage at rates well below those in Yuma.
Yuma’s best car insurance company
Geico, Nationwide Travelers, Allstate, and Travelers are the best car insurance providers in Yuma. These four providers are rated highly for their customer satisfaction, financial strength, discounts, coverage options, and digital tools. All four carriers offer competitive rates to fit almost every budget.
| Insurance Company | J.D. J.D. (Southwest Region) | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|---|
| Geico | 834 / 1000 | $315 | $882 |
| All over the country | 786 / 1000 | $336 | $938 |
| Travelers | 808 / 1000 | $413 | $1,034 |
| Allstate | 830 / 1000 | $475 | $1,523 |
Geico
Geico has some of the best rates in Yuma for premiums. There are also a number of discounts that can be used to further save. Yuma’s Marine Corp Air Station members (MCAS) will appreciate the discounts Geico offers for federal employees and military personnel. Additional discounts include club affiliation, safety equipment features, policy bundling and policy bundles.
All over the country
Nationwide gives Yuma residents many options to personalize their policy and avail of discounts. Nationwide offers a lower cost policy for Yuma residents, with full coverage policies starting at $336 per annum and minimum coverage starting at $938. There are many discounts available with Nationwide’s SmartRide app, which allows for safe driving and offers good student discounts as well as multi-policy, claims-free, and multi-policy discounts.
Travelers
The average car insurance rate for Yuma travelers is lower than the national average. The average policy for full coverage costs $1,034 annually while the average policy for minimum coverage costs $413 annually. Travelers offers many coverage options such as rideshare, accident forgiveness and replacement coverage. Yuma drivers could save even more on their policy by signing up for the Travelers’ IntelliDrive safe driver discount program.
Allstate
Allstate has a unique combination of competitive rates, high customer satisfaction ratings, and financial stability. Its A+ (Superior AM Best) rating and third-highest ranking on the 2020 J.D. Southwest Region Rankings are a testament to its financial stability. Allstate is a top-ranked competitor according to the Power Auto Insurance Study. The Allstate mobile app makes customer’s lives easier. You can get an online quote, pay your bill and contact your agent to summon roadside assistance.
Yuma has the lowest car insurance
The average cost for auto insurance in America is $565 per annum for minimum coverage, and $1,674 for full coverage. Arizona’s average rates are slightly lower than the national average, at $555 per annum for minimum coverage and $1,547 for full. It is even cheaper to insure your vehicle in Yuma. The average minimum coverage cost is $490, and the average full coverage cost is $1,439.
| Insurance Company | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|
| Geico | $315 | $882 |
| All over the country | $336 | $938 |
| Mercury | $346 | $1,197 |
| AAA | $405 | $1,301 |
| Travelers | $413 | $1,034 |
Each carrier has its strengths and weaknesses. You should consider many factors before choosing one, including customer service ratings and coverage options. In the 2020 J.D., Geico is the leader in Southwest customer satisfaction. Power Auto Insurance Study: Geico tied with only one provider for the top score. While Travelers ranks lower than the industry average but still scores more than 800 customer satisfaction points,
Each carrier offers a mobile app if digital tools are important to your business. The AAA and Mercury apps aren’t as well-respected as Geico, Nationwide, and Travelers, and don’t offer as many features, such as claims submission.
Yuma insurance requirements
Arizona has minimum coverage. Residents must have:
- $25,000 bodily injury liability per person
- $50k bodily injury liability per accident
- $15,000 per accident property damage liability
Insufficient insurance can lead to financial hardship. If you don’t have enough coverage for bodily injury liability and are involved in an accident, you may be responsible for additional costs.
If you lease or finance your vehicle, many lessors will require you to have comprehensive and collision coverage. This is in addition to the minimum state requirements. Gap insurance may also be required. This insurance covers the gap between the amount you owe and the value of your car if it were to be totaled in an auto accident.
Yuma car insurance discount
Although car insurance rates in Yuma are lower than the national average, you can still save money by taking advantage discount programs. Every carrier offers its own discount list, which makes it easy to compare and contrast between providers.
- Multi-policy: You can save money if you buy more than one policy from the same carrier. Ask your current condo/renters/homeowners insurance carrier how much you can save by adding an auto insurance policy.
- Safety equipment for vehicles: You may be eligible for additional discounts if your vehicle has safety features like anti-lock brakes, anti-theft systems, or airbags.
- Protective driving: You could get a discount on your premiums if you take a course in defensive driving. This discount is available to all carriers provided that the course was taken from an approved vendor.
- You could save more if you pay your annual premium in full.
Long-term savings can be made by paying your entire policy in full. If you are unable to pay the full amount or your provider doesn’t offer a discount, it is possible to save additional money by having multiple policies with the same provider.
Questions frequently asked
Which is the best auto insurance company?
There are many factors that go into determining the best Yuma car insurance. It all depends on what you value most. To find the right carrier for you, it is important to evaluate customer service ratings, financial strength and policy options. Bankrate also reviewed the top car insurance companies. Geico, State Farm, and USAA were all considered excellent.
What is the cost of car insurance in Yuma?
Bankrate compared several insurance companies to find the average Yuma car insurance cost. It averages $490 per year for minimum coverage, and $1,439 per year for full coverage. Premiums are determined by individual factors so rates will vary for everyone. Premiums are affected by your credit score, age, driving record, ZIP code and vehicle.
