Yuma, AZ
Auto and home insurance in Yuma, Arizona
How Yuma households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Yuma: 67% of households are homeowners, and 75% of commuters drive alone. With a population near 100,858, that adds up to a lot of households insuring a house and at least one vehicle.
Yuma commuting and vehicle data
| Measure | Yuma | Arizona |
|---|---|---|
| Drive alone to work | 75% | 67% |
| Carpool | 13% | 10% |
| Work from home | 8% | 18% |
| Commute of 45 minutes or more | 6% | 14% |
| Commute under 15 minutes | 41% | 25% |
| Households with no vehicle | 6% | 5% |
| Households with 3 or more vehicles | 22% | 23% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Long commutes are shorter in Yuma than statewide: 6% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Fewer Yuma workers telecommute (8%) than the state average, which means more cars on the road at rush hour.
22% of Yuma households keep three or more vehicles, and 6% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Home values and housing age in Yuma
The median owner-occupied home in Yuma is valued at $230,000, and half of the city's homes were built before 1990. The Arizona median value is $394,500. Your dwelling limit should match rebuild cost, which can differ from market value.
Benchmark: $975 was the average 2023 Arizona HO-3 premium at the $225,000–$249,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Arizona auto minimums that apply in Yuma
Drivers in Yuma must carry Arizona's minimum of 25/50/15 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
One insurer or two for a Yuma household
Most Yuma homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Local risks for Yuma cars and homes
Around Yuma, two exposures stand out: extreme summer heat and monsoon dust storms and microbursts. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
See FEMA's National Risk Index for local hazard scores.
How Yuma compares in Arizona
Phoenix shows 19% working from home and a median home value of $420,700. Tucson: 68% drive alone, 8% commute 45+ minutes, median home $266,200. In Mesa, 64% own their home and 21% of households have three or more vehicles. Yuma ranks 24th for long commutes among the 25 Arizona cities we profile.
Gathering details for a Yuma auto and home quote
- Roof age and material
- Annual mileage for each car
- Your existing policies and renewal dates
- Everyone in the household who drives
- Liability limits you want
- Mortgage company for the home
Questions from Yuma drivers and homeowners
What auto insurance is required in Yuma?
Arizona requires liability of 25/50/15; none beyond liability.
How long are commutes in Yuma?
About 6% of Yuma workers commute 45 minutes or more and 41% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Yuma?
Prices depend on the home and coverage. The NAIC's 2023 Arizona HO-3 average was $1,194; see the Arizona page.
Other city guides near Yuma
Auto and home insurance in Arizona
Last updated October 15, 2026 · How we research