Cheapest Auto Insurance in Lake Havasu City, Arizona (2024)

Auto-Owners offers the cheapest car insurance in Lake Havasu City, with rates as low as $30 per month.

3 years of content writing

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Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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3+ years producing insurance and personal finance content

Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated June 27, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

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Cheapest recent rates near Lake Havasu City, Arizona

We just helped a driver in Mohave Valley, Arizona cover their Hyundai Sonata with this quote from Liberty Mutual.

A Eloy, Arizona driver just saved on coverage for their Nissan Versa with this quote from Mile Auto.

GEICO's average rate for Arizona drivers with good credit and a clean driving record.

We just helped a driver in Mesa, Arizona cover their Chrysler PT Cruiser with this quote from Direct Auto.

A Surprise, Arizona driver just saved on coverage for their Jeep Grand Cherokee with this quote from Dairyland.

Sun Coast helped a Nissan Rogue driver in Vail, Arizona save on car insurance with this quote.

We just helped a driver in Somerton, Arizona cover their Honda Civic with this quote from HiRoad.

A Goodyear, Arizona driver just saved on coverage for their Mazda CX-7 with this quote from National General.

The General helped a Isuzu Axiom driver in Bullhead City, Arizona save on car insurance with this quote.

*Quotes generated for Insurify users in and around Lake Havasu City, Arizona within the last 10 days. Last updated on June 27, 2024

We just helped a driver in Gilbert, Arizona cover their Honda Accord with this quote from Liberty Mutual.

A Florence, Arizona driver just saved on coverage for their Ford Fiesta with this quote from Progressive.

State Farm's average rate for Arizona drivers with good credit and a clean driving record.

We just helped a driver in Marana, Arizona cover their Ford Explorer with this quote from Certainly.

A Benson, Arizona driver just saved on coverage for their RAM 1500 with this quote from The General.

National General helped a Jeep Cherokee driver in Tucson, Arizona save on car insurance with this quote.

We just helped a driver in Chandler, Arizona cover their Hyundai Santa FE Sport with this quote from Bristol West.

A Queen Creek, Arizona driver just saved on coverage for their Hyundai Tucson with this quote from Sun Coast.

Mercury helped a Toyota RAV4 driver in Sun City, Arizona save on car insurance with this quote.

*Quotes generated for Insurify users in and around Lake Havasu City, Arizona within the last 10 days. Last updated on June 27, 2024

Overall, the average car insurance rate in Lake Havasu City is $92 per month, which is less than Arizona’s average of $143 per month. Lake Havasu City drivers likely experience lower premiums than drivers in other Arizona cities because it has fewer residents.

Lake Havasu City is home to about 57,000 people, which pales in comparison to Phoenix’s population of 1.6 million.[1] A city with fewer residents usually means fewer car accidents, which contributes to cheaper car insurance rates.

Here’s what you need to know about finding cheap car insurance in Lake Havasu City.

The average cost of car insurance in Lake Havasu City is $61 per month for liability coverage and $124 per month for full coverage.

Auto-Owners is the cheapest insurer for full-coverage car insurance in the city.

Arizona law requires drivers to purchase liability insurance coverage and uninsured/underinsured motorist coverage.

3 of the cheapest car insurance companies in Lake Havasu City

The best car insurance company for you depends on your coverage needs and budget. Because insurers base rates on personal factors, what’s best for someone else may not be best for you, which is why it’s important to compare as many options as possible. 

If you live in Lake Havasu City, Auto-Owners, Mile Auto, and State Farm are excellent options for affordable auto insurance.

Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

Best insurer for teen drivers: Auto-Owners

teen driversAuto-Owners

People younger than 18 account for about 15% of Lake Havasu’s population, who may benefit from Auto-Owners’ discount opportunities for young drivers.[1] Auto-Owners offers discounts for good students, students away at school, and using a monitoring device to track driving habits.

Above-average J.D. Power claims satisfaction rating

Plenty of coverage options

No online quotes

Limited customer service hours

Rate Increases Too Much for Someone on a Fixed Income

Pleased

Interested in Changing

Best insurer for low-mileage drivers: Mile Auto

Low-Mileage DriversMile Auto

Mile Auto’s pay-per-mile structure allows people to access cheap auto insurance coverage for driving less. If you work from home or have a short commute, Mile Auto may be able to help you save on car insurance.

Doesn’t require in-car telematics device

Affordable premiums for low-mileage drivers

No bundles or discounts available

No mobile app

Best insurer for customer satisfaction: State Farm

customer satisfactionState Farm

If you’re one of Arizona’s 5.9 million licensed drivers seeking a company with a stellar reputation, consider State Farm car insurance. State Farm has high marks in customer service, claims handling, and financial strength.

More than 100 years in business

Offers rideshare insurance

No gap insurance or accident forgiveness available

Limited discounts compared to other insurers

Excellent

First Timer

Fair

How to get the cheapest car insurance in Lake Havasu City

Your auto insurance rates depend on various factors, such as your driving record, age, gender, coverage limits, vehicle type, and more. Here are some ways to get the best deal on your car insurance policy:

Increase your deductible. Your deductible is what you pay before your insurance covers the rest. Choosing a higher deductible leads to lower premiums; just make sure you can afford the out-of-pocket costs if you file a claim.

Compare quotes. Insurance companies offer different rates, so it’s a good idea to shop around with the top companies to find the best rates for you. Get quotes from at least three companies to compare your options.

Seek discounts. The more car insurance discounts you qualify for, the more you save on your insurance coverage.

Drive safely. Drivers without accidents, tickets, or violations on their records tend to pay the lowest car insurance rates.

Find Car Insurance in Lake Havasu City, AZ

Liability rates are as low as $30 per month

Cheapest liability-only car insurance in Lake Havasu City: Auto-Owners

Liability insurance covers the other person’s medical expenses and vehicle repairs if you cause a car accident. However, it doesn’t provide coverage for your injuries and car repairs.

Auto-Owners offers the cheapest liability-only policies in Lake Havasu City, at $30 per month.

Take a look at other Lake Havasu City car insurance companies offering competitive quotes for liability insurance in the table below.

Cheapest full-coverage car insurance in Lake Havasu City: Auto-Owners

While liability coverage protects the other driver in an at-fault accident, full-coverage insurance protects you, regardless of fault. Full coverage is a collection of add-on insurance options — like collision, comprehensive, and medical payments (MedPay) — that can pay for your medical bills and car repairs, even if you’re at fault in an accident.

Drivers with a new or classic car, frequent drivers, and drivers in high-traffic areas may benefit from buying this coverage.

Lake Havasu City drivers may find the cheapest full-coverage insurance with Auto-Owners, with monthly rates as low as $50. 

Consider some of these insurance companies for an affordable full-coverage policy.

Cheapest recent rates near Lake Havasu City, Arizona

We just helped a driver in Mohave Valley, Arizona cover their Hyundai Sonata with this quote from Liberty Mutual.

A Eloy, Arizona driver just saved on coverage for their Nissan Versa with this quote from Mile Auto.

Allstate's average rate for Arizona drivers with good credit and a clean driving record.

We just helped a driver in Flagstaff, Arizona cover their RAM 2500 with this quote from Direct Auto.

A Tucson, Arizona driver just saved on coverage for their Chevrolet Impala with this quote from Certainly.

The General helped a Isuzu Axiom driver in Bullhead City, Arizona save on car insurance with this quote.

*Quotes generated for Insurify users in and around Lake Havasu City, Arizona within the last 10 days. Last updated on June 27, 2024

Liberty Mutual helped a Honda Accord driver in Gilbert, Arizona save on car insurance with this quote.

We just helped a driver in Florence, Arizona cover their Ford Fiesta with this quote from Progressive.

Allstate's average rate for Arizona drivers with good credit and a clean driving record.

Certainly helped a Ford Explorer driver in Marana, Arizona save on car insurance with this quote.

We just helped a driver in Sierra Vista, Arizona cover their Mazda MX-5 Miata with this quote from Direct Auto.

A Chandler, Arizona driver just saved on coverage for their Hyundai Santa FE Sport with this quote from Bristol West.

*Quotes generated for Insurify users in and around Lake Havasu City, Arizona within the last 10 days. Last updated on June 27, 2024

Car insurance requirements in Arizona

Arizona is an at-fault state, meaning your insurance covers the other party’s medical bills if you’re at fault in an accident. As of July 1, 2020, Arizona requires drivers to carry the following minimum insurance coverages:[2]

An at-fault car crash can run you thousands of dollars in liability expenses and motor vehicle repairs. Car insurance is a crucial financial tool to protect your assets in the event of an accident. 

Consider the following coverage options to increase your protection on the road:

Collision coverage pays for car repairs after you hit another vehicle or stationary object, regardless of fault.

Comprehensive coverage pays for damage from non-collision incidents, like theft, vandalism, or severe weather.

If you’re stranded on the road, roadside assistance coverage pays for towing, jump-starts, fuel delivery, and more to get you moving again.

This endorsement pays for a rental car while your vehicle is in the shop for repairs due to a covered incident.

How to Switch Your Car Insurance in 6 Steps

Cheapest car insurance for drivers with an incident

Car insurance companies look at your driving record to determine your risk of filing an insurance claim and costing them money. When you have incidents like speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions on your driving record, it shows insurers that you’re a high-risk driver.

To offset this risk, auto insurance companies charge you more for coverage than someone with a clean driving record.

In Lake Havasu City, a speeding ticket increases average rates from $61 per month to $88 per month. But DUIs are serious convictions. After a DUI, insurers charge an average of $101 per month.

Here’s what car insurance companies in Lake Havasu City charge drivers on average, based on driving history.

Average cost of car insurance by age

Insurance companies use your age to evaluate your risk as a driver. Young adult and teen drivers pay the most expensive rates because they have little to no driving experience and pose the greatest risk of a claim. But as drivers reach their 30s, they may see cheaper rates as long as they keep a clean driving record.

Drivers could start to see their rates increase around age 70. Senior drivers may have age-related physical and mental declines that affect their driving abilities, so insurers may increase their rates slightly.[3]

The table below illustrates the cost of car insurance for different age groups.

Shop for Car Insurance in Lake Havasu City

Get personalized quotes from Insurify’s top auto coverage partners

Lake Havasu City car insurance quotes by credit tier

Arizona allows insurance companies to use your credit history to underwrite your insurance policy.[4] Insurance companies believe that a driver’s credit correlates to their risk of filing a claim. In Arizona, drivers with excellent or good credit tend to pay cheaper rates, while drivers with poor credit pay more expensive rates.

Here’s how credit score affects car insurance quotes in Lake Havasu City.

Lake Havasu City car insurance FAQs

Learn how to get cheap car insurance in Insurify’s guide, and check out the answers to common questions about auto coverage in Lake Havasu City below.

How much is car insurance in Lake Havasu City?

The average cost of car insurance in Lake Havasu City is $61 per month for liability coverage and $124 per month for full coverage.

Who has the cheapest car insurance in Lake Havasu City?

Auto-Owners, Mile Auto, and GEICO are the cheapest liability auto insurers in Lake Havasu City, with rates of $30, $33, and $38 per month, respectively.

The best way to find the cheapest rates for your situation is to compare car insurance quotes from multiple companies. You can use an online quote-comparison tool to help you look at multiple quotes at once to find the best rates.

What are the best car insurance companies in Lake Havasu City?

Some of the best car insurance companies Insurify chose in Lake Havasu City are Auto-Owners, Mile Auto, and State Farm. These insurers have good customer satisfaction ratings, great AM Best financial strength scores, and high Insurify Quality (IQ) Scores.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

3+ years producing insurance and personal finance content

Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

Featured in

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