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Yuma Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Yuma is $1239 for a six-month policy, which is $92 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Yuma can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $397 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.
American National P&C offers auto insurance rates at $436 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $654 for six months, making it the third cheapest auto insurance company in Yuma.
Based on our research, the cheapest car insurance company in Yuma, CO is Colorado Farm Bureau, offering policies at just $397 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $436.
At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1591 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Yuma drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $397 | $68 |
| American National P&C | $436 | $72 |
| Auto-Owners Insurance Co | $654 | $111 |
| Acuity | $712 | $119 |
| Colorado Farm Bureau Mutual | $834 | $141 |
| American Family | $1045 | $176 |
| American National | $1078 | $184 |
| Auto-Owners | $1161 | $193 |
| USAA | $1193 | $201 |
| State Farm | $1251 | $211 |
| Progressive | $1322 | $222 |
| Allstate | $1848 | $311 |
| Farm Bureau | $1848 | $314 |
| Nationwide | $2156 | $360 |
| Farmers | $2309 | $389 |
| California Casualty | $1591 | $266 |
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Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Yuma are given below.
Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Yuma. Their Average 6 Month Premium is $154. California Casualty is the most expensive at $225 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $154 | $26 |
| American National P&C | $166 | $28 |
| American National | $199 | $33 |
| Colorado Farm Bureau Mutual | $231 | $39 |
| USAA | $264 | $44 |
| Auto-Owners Insurance Co | $301 | $51 |
| Farm Bureau | $308 | $52 |
| Progressive | $321 | $54 |
| Acuity | $327 | $55 |
| State Farm | $360 | $60 |
| American Family | $366 | $62 |
| Auto-Owners | $430 | $73 |
| Allstate | $705 | $119 |
| Nationwide | $712 | $121 |
| Farmers | $718 | $121 |
| California Casualty | $225 | $38 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Yuma is Colorado Farm Bureau at $68 per month and $397 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $397 | $68 |
| American National P&C | $436 | $72 |
| Auto-Owners Insurance Co | $654 | $111 |
| Acuity | $712 | $119 |
| Colorado Farm Bureau Mutual | $834 | $141 |
| American Family | $1045 | $176 |
| American National | $1078 | $184 |
| Auto-Owners | $1161 | $193 |
| USAA | $1193 | $201 |
| State Farm | $1251 | $211 |
| Progressive | $1322 | $222 |
| Allstate | $1848 | $311 |
| Farm Bureau | $1848 | $314 |
| Nationwide | $2156 | $360 |
| Farmers | $2309 | $389 |
| California Casualty | $1591 | $266 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Yuma, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Yuma's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $920 |
| 30s | USAA | $675 |
| 40s | USAA | $582 |
| 50s | USAA | $589 |
| 60s | USAA | $599 |
| 70s | USAA | $702 |
If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Yuma at $27 per month. At $8673 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $161 | $27 |
| American National P&C | $199 | $33 |
| California Casualty | $225 | $38 |
| Colorado Farm Bureau | $282 | $48 |
| Auto-Owners Insurance Co | $410 | $68 |
| Colorado Farm Bureau Mutual | $1469 | $249 |
| USAA | $1732 | $292 |
| American Family | $2149 | $362 |
| State Farm | $2830 | $476 |
| Progressive | $3515 | $592 |
| Auto-Owners | $3797 | $633 |
| Allstate | $3849 | $648 |
| Nationwide | $6915 | $1152 |
| Farmers | $8673 | $1460 |
Teen Car Insurance Rates in CO by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Yuma, Colorado Farm Bureau is the cheapest car insurance provider. At $301 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Yuma is State Farm, offering rates of around $4157 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $301 | $51 |
| Acuity | $462 | $77 |
| American Family | $1373 | $231 |
| Progressive | $1418 | $239 |
| USAA | $1988 | $338 |
| Farmers | $2521 | $424 |
| Allstate | $3227 | $549 |
| Nationwide | $3278 | $546 |
| Auto-Owners | $3515 | $597 |
| State Farm | $4157 | $693 |
Save up to $971/yr on car insurance rates in Yuma.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Yuma, CO, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Yuma include Colorado Farm Bureau and American National, offering $192 and $225, respectively. Nationwide is an expensive provider with an average six-month premium of $3759.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $192 | $32 |
| American National | $225 | $38 |
| American National P&C | $238 | $40 |
| Farm Bureau | $301 | $51 |
| California Casualty | $436 | $72 |
| State Farm | $982 | $165 |
| Colorado Farm Bureau Mutual | $1008 | $167 |
| USAA | $1008 | $170 |
| American Family | $1264 | $213 |
| Progressive | $1765 | $297 |
| Auto-Owners | $1931 | $322 |
| Allstate | $2669 | $449 |
| Farmers | $3175 | $535 |
| Nationwide | $3759 | $639 |
Here is a list of driving violations that can increase your car insurance rates in Yuma CO. For example, the car insurance in Yuma after a DUI increases to $1142 for a six month policy. While the rate increases by $334 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1431 | $239 |
| One Med/PIP claim | $1437 | $244 |
| Not-at-fault accident | $1462 | $244 |
| One comp claim | $1469 | $249 |
| Two Med/PIP claims | $1469 | $245 |
| Two comp claims | $1527 | $259 |
| Failure to wear a seat belt | $1597 | $267 |
| Failure to show documents | $1610 | $274 |
| Child safety restraint | $1630 | $271 |
| Driving without lights | $1630 | $278 |
| Driving with expired registration | $1693 | $282 |
| Texting while driving | $1713 | $292 |
| At-fault accident - less than $1000 | $1726 | $287 |
| Cell phone violation | $1732 | $295 |
| Failure to yield | $1732 | $288 |
| Following too closely | $1732 | $295 |
| Illegal turn | $1732 | $288 |
| Failure to stop at a red light | $1739 | $296 |
| Driving too slowly | $1745 | $291 |
| Improper passing | $1752 | $298 |
| Wrong way/wrong lane | $1758 | $293 |
| Speeding 6 - 10 MPH over limit | $1765 | $300 |
| Speeding 11 - 15 MPH over limit | $1770 | $295 |
| Speeding 16 - 20 MPH over limit | $1770 | $301 |
| Speeding in school zone | $1777 | $296 |
| Passing school bus | $1809 | $308 |
| In 65 MPH zone | $1925 | $321 |
| Operating a vehicle without permission | $1931 | $328 |
| Speeding 21 - 25 MPH over limit | $1957 | $326 |
| Open container | $2008 | $341 |
| At-fault accident - $1000-$2000 | $2110 | $352 |
| At-fault accident - greater than $2000 | $2156 | $366 |
| Driving with a suspended license | $2258 | $376 |
| Reckless driving | $2489 | $423 |
| Refusal to submit to a chemical test | $2514 | $419 |
| Racing | $2540 | $432 |
| DUI | $2573 | $429 |
| Leaving scene of an accident/hit and run | $2669 | $454 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Yuma.
The cheapest car insurance premiums in Yuma are offered by Colorado Farm Bureau at $225 for a six-month policy. However, it can be as expensive as $5062 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Colorado Farm Bureau | $225 | $38 |
| American National | $238 | $40 |
| American National P&C | $269 | $45 |
| Farm Bureau | $353 | $60 |
| Colorado Farm Bureau Mutual | $1026 | $171 |
| Progressive | $1091 | $184 |
| State Farm | $1110 | $187 |
| American Family | $1360 | $229 |
| USAA | $1444 | $243 |
| Farmers | $1976 | $333 |
| Allstate | $2303 | $388 |
| Auto-Owners | $2400 | $408 |
| Nationwide | $5062 | $843 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Yuma are offered by American National P&C at $199. However, it can be as expensive as $3708 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $199 | $33 |
| Colorado Farm Bureau | $205 | $35 |
| Auto-Owners Insurance Co | $327 | $56 |
| State Farm | $731 | $123 |
| American Family | $949 | $160 |
| Auto-Owners | $1206 | $201 |
| USAA | $1226 | $208 |
| Progressive | $1257 | $212 |
| Allstate | $2117 | $360 |
| Nationwide | $3105 | $517 |
| Farmers | $3708 | $631 |
Car insurance rates in Yuma have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Yuma rose by $254 in December compared to $248 of November. In other words, there has been an increase by $6 when you compare December and November.
The average cost of liability insurance in the Yuma rose to $63 in December, compared to $56 in November. This represents an increase of $7 when comparing December and November.
How much is car insurance in Yuma?
The car insurance in Yuma is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Yuma?
The cheapest car insurance in Yuma is $68 per month for full coverage.
How much is car insurance in Yuma for teenagers?
Car insurance for teenagers costs $161 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Yuma?
The average cost of car insurance is $1147 for a six-month policy. It will cost around $208 per month to insure your car in Yuma.
Is car insurance expensive in Yuma?
Car insurance can be expensive in Yuma if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Yuma can be affordable.
What is the best car insurance in Yuma, CO?
The best car insurance company in Yuma CO is Colorado Farm Bureau, offering $397 for a six-month policy.
Cut auto insurance costs in Yuma right now.