Cheap Car Insurance in Yuma, AZ
Everything You Need to Know About Auto Insurance in Arizona
Located in southwestern Arizona, Yuma is an eclectic city known for its historical sites and outdoor recreation opportunities. Visitors can explore the Yuma Territorial Prison State Historic Park and Yuma Crossing National Heritage Area, one of the foremost bird-watching destinations in the West. If you’re a cultural buff, the annual Yuma Lettuce Days pays tribute to the region’s strong agricultural heritage.
Yuma’s most popular attractions include the Yuma Crossing National Heritage Area, Imperial Sand Dunes, Yuma Quartermaster Depot State Historic Park, and the Yuma Art Center.
You must have an active auto insurance policy to drive in Yuma. Several options are available, including liability only and full coverage, both of which satisfy all the legal requirements for driving. Keep reading to learn more about car insurance in Arizona, including the average rates paid by age and zip code in the region and surrounding cities.
How Much Does Car Insurance Cost in Yuma, AZ?
Yuma residents pay an average monthly liability-only premium of $40 and an average monthly full coverage premium of $90. That compares favorably to the national average of $52 and $168, respectively.
What Does It Mean If Arizona Is At-Fault?
Arizona is an at-fault state, which means drivers determined to be at fault in an accident are on the hook to pay through their insurance company and/or out of pocket if policy limits are surpassed for all damages and injuries sustained.
To determine who is at fault in Arizona, all involved parties and law enforcement personnel focus on the following:
- Witness Statements. Word-of-mouth testimonials from witnesses on the scene may provide information about what occurred, what each driver was doing, and who they feel was ultimately responsible for the accident.
- Traffic Laws. With any traffic stop, Arizona police officers work hard to determine if actual traffic laws or regulations were violated. There could be several violations, such as failure to yield, disregarding a stop sign, speeding, or infractions that assign all fault or a percentage of fault to one or more individuals.
- In any crime scene investigation, police immediately collect proof, including all vehicle damages. For more complex situations, police may consult with accident reconstruction specialists who can help provide a deeper understanding of how an accident occurred.
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Affordable Car Insurance Rates Comparison by Cities in Arizona
To learn the average monthly premiums paid by cities throughout the state of Arizona, refer to our breakdown below:
| City | Full Coverage Insurance | Full Coverage Insurance |
|---|---|---|
| Yuma | $90 | $40 |
| Mesa | $120 | $50 |
| Phoenix | $140 | $60 |
| Scottsdale | $120 | $120 |
| Tempe | $132 | $50 |
Affordable Yuma Car Insurance Rates by Zip Code
Where you live has a significant impact on the premiums you pay. If you live in densely populated areas with high crime, theft, and vandalism, expect to pay more than residents of sparsely populated areas with virtually no crime.
For the average monthly premium paid by Yuma residents by zip code, see our breakdown below:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 85349 | $90 | $40 |
| 85364 | $100 | $40 |
| 85365 | $90 | $40 |
| 85366 | $40 | $40 |
| 85367 | $80 | $30 |
Low-Cost Car Insurance Rates by Age in Yuma
One of the most significant factors auto insurance companies use to determine the cost of premiums is age. Generally, younger drivers in their teens and 20s pay much higher premiums than other drivers, thanks to lack of experience, a higher claims rate, and riskier driving behaviors.
For the average monthly premium paid by Yuma residents by age, see our breakdown below:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Liability Insurance Coverage Teenagers | $570 | $200 |
| 20s | $140 | $53 |
| 30s | $90 | $40 |
| 40s | $80 | $30 |
| 50s | $70 | $30 |
| 60s | $70 | $40 |
| 70s | $90 | $50 |
* Methodology: To calculate the average monthly premiums listed in this guide, we use a 30-year-old male with a liability-only policy in Arizona. Everyone pays a different premium for many reasons, including but not limited to age, gender, selected coverages, amount of deductible, liability limits, credit score, and discount eligibility.
Driving Conditions in Yuma
How Many Fatal Accidents Happen in Yuma?
In 2021, there were 14 fatal car crashes in Yuma involving 23 vehicles and 37 people, including six pedestrians.
How Are the Road Infrastructure and Bridges in Yuma?
Yuma has a very active Public Works Department, focusing on maintaining all city roads and infrastructure in the region. It has several divisions: Street, Solid Waste, and Fleet Services.
The Street Division is responsible for maintaining the city’s entire roadway network, which includes sidewalks, bridges, roads, alleys, rights of way, and digital/non-digital signage.
For more information on the City of Yuma’s Public Works program, visit City of Yuma – Public Works.
Minimum Car Insurance Requirements in Yuma
Here are the liability-only requirements all Arizona drivers must adhere to:
- Bodily Injury for One Person: $25,000
- Bodily Injury for Multiple People (Per Accident): $50,000
- Property Damage Per Accident: $15,000
This requirement is also referred to as a 25/50/15 policy. Carrying higher limits is highly recommended, as a single accident may eclipse all of these minimums and force you to go out of pocket to pay for what your provider will not. Additionally, it helps if you choose full coverage, which covers your own injuries or vehicle damage in an accident, regardless of who is at fault.
What Are the Penalties for Driving Without Insurance in Arizona?
If you are caught driving without insurance in Yuma, Arizona, expect the following stiff consequences:
- $500 fine for first-time offenders with a 3-month driver’s license and registration suspension
- $750 penalty for second-time offenders with a 6-month driver’s license and registration suspension
- $1,000 fine for third and subsequent offenders with a 1-year driver’s license and registration suspension
- SR-22 certificate for two years
Anytime a law enforcement officer asks for proof of insurance, you must provide it. If not, expect an immediate traffic ticket and additional penalties. All citations for no insurance require you to pay a fine, reinstate driving privileges, and have your provider file an SR-22 on your behalf for at least two years.
Remember that the minimum liability limit in Arizona is 25/50/15, or $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $15,000 in property damage.
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Factors Allowed in Yuma Car Insurance Rates
Insurance underwriters look at many things to determine the cost of your premiums, including:
- Driving record
- Age
- Gender
- Credit Score
- Selected coverages
- Vehicle make and model
- Zip code of residence
- Amount of deductible
Providers apply different premium calculation methods, where one provider may assign more weight to your vehicle’s make/model or driving record than a competing provider, so shopping around is highly encouraged.
Here’s What You Need to Know When Driving in Arizona
Here are three Arizona driving laws worth mentioning:
- Texting and Driving. Under Arizona law, drivers cannot text while driving. This includes sending any electronic message, such as SMS and emails. Law officers reserve the right to pull you over for texting and navigating without any other reason.
- In Arizona, you cannot drive with a blood alcohol concentration (BAC) level of 0.08% or higher. Penalties after a DUI conviction include a mix of fines, court costs, mandatory alcohol education programs, and even the possibility of jail time, depending on the severity of the offense.
- Wear Your Seat Belt. All Arizona drivers must wear a seatbelt, regardless of age. It’s a primary offense for minors and a secondary offense if you are pulled over for another reason by a police officer or other law enforcement officer.
Do not allow any of these scenarios to lead to an at-fault accident, moving violation, or claim on your record. Remember, maintaining a clean driving record for three to five years is your best bet for the most generous discounts possible.
What are the Best Discounts for Car Insurance in Yuma?
Save up to 25% off your monthly premiums by enrolling in one of many discount programs. You can be rewarded for everything from installing anti-theft devices in your vehicle to enrolling in a defensive driving course.
Be sure to take advantage of the following discounts if offered:
Contact your agent to learn about all the latest discounts you are eligible for. As your life circumstances change (e.g., becoming a new homeowner), it also makes sense to do so in order to take advantage of bundling discounts for homeowners and auto.
Get an Online Quote for Car Insurance in Yuma Today!
Let Freeway Insurance help you find an affordable policy while meeting all of your coverage options.
To get started, visit a Freeway Insurance office near you, visit us online, or call (800) 777-5620 to speak with one of our friendly service representatives. We look forward to hearing from you!