Yuma Insurance Rates:

Yuma, AZ home insurance is approximately $514 to $697, about $42-$58/month. Our in depth guide shows customers can save upto $242 by comparing different quotes

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Yuma Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $160/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1130 sqft Seasonal Residence Constructed In 2013 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $50/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1580 sqft Vacation Property Constructed In 2005 with Wood Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Single Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $220/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Bath 1770 sqft Primary Residence Constructed In 2001 with Wood Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 3200 sqft Seasonal Residence Constructed In 2000 with Linoleum, Composition Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $390/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Baths 3130 sqft Rental Property Constructed In 1997 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 2320 sqft Primary Residence Constructed In 1994 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $390/7 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 1619 sqft Rental Property Constructed In 1992 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Single Female who is Retired with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Yuma, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85364 $130,400 $610
85367 $126,600 $610

Yuma Rates & Quotes Analysis:

Yuma Area Estimated House Insurance
S Parkview Cir, W 24th Ln, E Wagonwheel Dr, S Prickley Pear Ln, S Viewpointe Ave, S Copper View Way, 40th Pl, Grays Rd, E 45th Dr, S Emerald Ave$595
E Warren Dr, S Ave 14 1/2 E, E San Marcos Dr, E 26th Ln, E 38th Ln, S Alondra Way, S 18th Ave, 39th Dr, S James Cir, Talbot Stl$587
S 16th Ave, S Ave G, E Daybreak St, E Cll Gaudi, S Shell Ave, S Elm St, E County 11 1/2 St, W 31st Pl, 31st St, S Cortez Ave$644
S Pacific Ave, N 8th Ave, Sun River, S 38th Dr, E 17th St, Coker Loop, E 48th Dr, Organ Pipe Dr, E 46th Dr, E 31st Pl$590
29th Dr, S Glenwood Ave, E 49th Dr, S Fortuna Ave, Lynn Dr, E del Verde Dr, Katie Dr, E San Gabriel Dr, S 37th Dr, S Renee Ave$613
Co 3rd St S, S Chisolm Way, E Corral St, Linda Dr, Duck Rd, 38th Pl, W Rio Colorado Dr, W Lisbon St, E Clle Entrada, S Ave E$647
S Sidewinder Ave, W Crane St, S Edgewood Dr, S Tierra Bonita Blvd, S Mona Ave, E Gila Ridge Rd, Karimme Ave, S Pamela Ln, S 37th Dr, S Cactus Wren Ln$596
S Celeste Ln, S Clifford Way, S 16th Ave, W Vicky Ln, S Barbara Ave, S 26th Dr, S Figueroa Ave, S Joshua Ln, W 31st Pl, S Winsor Ave$605
30th Pl, S Woodpecker Way, E 3rd St, W 28th Pl, S Cardinal Ln, Goose St, E Harvard St, South Virginia Dr, S Ave 12 1/2 E, James Ave$599
S Pinto Way, S Donna Ave, S Catalina Dr, S Engler Ave, E Corona Dr, S Rancho Way, 36th Dr, S Ave 2 E, Diane Dr, Fortuna Rd$604

Insurance rates are influenced by a number of factors including:

  • Year Built: 14,242 Homes (20% of total homes ) built between 1990 to 1999 in Yuma are paying home insurance between $873-$882. Places close to Yuma, AZ such as Wall Lane, Gadsden, La Paz Valley are more expensive by $30, $10, $13 respectively while Winterhaven-Bard(CA) and Winterhaven(CA) are cheaper by $39 and $55 respectively for similar homes.
  • Bedrooms: 24,103 3 bedrooms homes (35% of total homes ) in Yuma are paying about $418. Areas near to Yuma such as Wall Lane, Gadsden, Brenda are costlier by $14, $5, $7 respectively whereas El Prado Estates and Winterhaven-Bard(CA) are more economical by $4, $192 respectively for similar homes.
  • Auto Insurance Bundling: 13,717 Households (37% of all households) in Yuma have 2 vehicles available and when it is bundled with home insurance you can save $121 in contrast with Winterhaven-Bard(CA) ($115), Avenue B and C ($114), Fortuna Foothills ($120).
  • Senior Discounts: 20,673 seniors (more than 55 years) occupied housing units (55% of total) in Yuma get discounts between $90 to $93. The comparative concessions in proximate regions such as El Prado Estates, Buckshot and Winterhaven-Bard(CA) are $89, $85 and $86 respectively.
  • New Homes discounts: New homes such as the 37,224 homes built between 2000 to 2009 in Yuma can save $121 and differs from El Prado Estates ($119), Buckshot ($113), Winterhaven-Bard(CA) ($115).

Yuma Homeowners insurance Facts

  • Yuma, AZ has 37,070 owner occupied houses which is 68.6% of all units whereas El Prado Estates, Buckshot and Winterhaven-Bard have 41.49%, 54.05% and 39.8% respectively.
  • Yuma, AZ homeowners yearly insurance price at $605 is 0.47% of the typical house value of $128,500 which is in contrast with 0.55% in El Prado Estates, 0.89% at Winterhaven-Bard & 3.38% in Avenue B and C.
  • Homeowners in Yuma, AZ pay 2.2% of their income ($25,000 to $29,999) in insurance whereas homeowners in El Prado Estates, Winterhaven-Bard and Winterhaven pay 2.18%, 2.1% and 2.06% respectively.
  • Yuma, AZ’s insurance is 3.9% of monthly housing costs of $1,291/month, for owners with a mortgage compared to 7.81% in Winterhaven-Bard, 5.39% at Avenue B and C & 4.03% in Fortuna Foothills. But, for households without a mortgage, insurance is 15.9% of costs ($318 in Yuma, AZ) in contrast with 22.2% in Winterhaven-Bard, 13.98% at Avenue B and C & 18.82% in Fortuna Foothills.

Yuma, AZ Home Values & Insurance rates

For example, insurance for 3,518 Homes (9.0% of total homes ) valued between $200,000 to $249,999 in Yuma, AZ is about $1,058. Rates in nearby areas in such as Wall Lane, Gadsden, Holtville are cheaper by $351, $159, $194 respectively while Winterhaven-Bard and Fortuna Foothills are costlier by $941 and $51 respectively for similar homes.

Yuma, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 6,532 18.0% $114
$50,000 to $59,999 1,084 3.0% $242
$60,000 to $69,999 1,070 2.0% $302
$70,000 to $79,999 1,624 4.0% $350
$80,000 to $89,999 1,575 4.0% $399
$90,000 to $99,999 1,730 4.0% $441
$100,000 to $124,999 4,445 12.0% $514
$125,000 to $149,999 3,461 9.0% $647
$150,000 to $174,999 3,941 10.0% $762
$175,000 to $199,999 2,372 6.0% $877
$200,000 to $249,999 3,518 9.0% $1058
$250,000 to $299,999 2,496 6.0% $1294
$300,000 to $399,999 1,986 5.0% $1645

Renters Insurance in Yuma

  • Average Renters Insurance in Yuma :  $260($21/month)

  • Median Gross Rent in Yuma :  $868

  • Yuma Renters Insurance to Median Rent Ratio:  2.42%

  • Average household size of renter-occupied unit :  2.64

Yuma Renters Insurance as a Percentage of Rent

Yuma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 282 1.0% $365
$200 to $299 240 1.0% $815
$300 to $499 1,425 8.0% $1265
$500 to $749 3,871 24.0% $1940
$750 to $999 4,171 26.0% $2690
$1,000 to $1,499 4,971 31.0% $3815
$1,500 or more 967 6.0% $5465

Rent Affordability in Yuma:

Approximately 47.0% (8,063) of households are spending more than 35% of their income on gross rent in Yuma

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,393 8.0%
15.0 to 19.9 percent 1,743 10.0%
20.0 to 24.9 percent 2,029 11.0%
25.0 to 29.9 percent 2,135 12.0%
30.0 to 34.9 percent 1,638 9.0%
35.0 percent or more 8,063 47.0%

Yuma Renters Insurance Discounts:

Yuma Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Yuma, AZ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,983 46.0% $26.0
2 vehicles available 6,212 36.0% $39.0
3 or more vehicles available 1,047 6.0% $52.0

Protective device discount in Yuma Up to :  $39

Claims-free discount in Yuma Up to :  $52