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 July 8, 2024

Save up to $852 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

A Buckeye, Arizona driver just saved on coverage for their Honda Pilot with this quote from Mile Auto.

We just helped a driver in Kingman, Arizona cover their Hyundai Santa Cruz with this quote from Direct Auto.

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

A Tempe, Arizona driver just saved on coverage for their Audi Q7 with this quote from Just Insure.

We just helped a driver in Kayenta, Arizona cover their Chevrolet Impala with this quote from Bristol West.

HiRoad helped a Ford F-Series Pickup driver in Tempe, Arizona save on car insurance with this quote.

A Tucson, Arizona driver just saved on coverage for their Dodge Dakota with this quote from Sun Coast.

We just helped a driver in Chino Valley, Arizona cover their Nissan Rogue with this quote from GAINSCO.

Dairyland helped a Chevrolet Silverado driver in Payson, 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 July 8, 2024

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

A Glendale, Arizona driver just saved on coverage for their KIA Soul with this quote from Progressive.

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

Certainly helped a Nissan Rogue driver in Scottsdale, Arizona save on car insurance with this quote.

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

We just helped a driver in Phoenix, Arizona cover their Nissan Altima with this quote from Direct Auto.

Sun Coast helped a Honda FIT driver in Phoenix, Arizona save on car insurance with this quote.

A Yuma, Arizona driver just saved on coverage for their KIA Soul with this quote from Bristol West.

We just helped a driver in Yuma, Arizona cover their KIA Soul with this quote from The General.

*Quotes generated for Insurify users in and around Lake Havasu City, Arizona within the last 10 days. Last updated on July 8, 2024

Overall, the average car insurance rate in Lake Havasu City is $88 per month, which is less than Arizona’s average of $142 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 $60 per month for liability coverage and $115 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-ten 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

Great, Except for the Price

Excellent

Rate Increases Too Much for Someone on a Fixed Income

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

Horrible

Unreliable

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

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

Mile Auto helped a Honda Pilot driver in Buckeye, Arizona save on car insurance with this quote.

A Lake Havasu City, Arizona driver just saved on coverage for their Chevrolet Tahoe with this quote from Safeco.

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

Bristol West helped a Chevrolet Impala driver in Kayenta, Arizona save on car insurance with this quote.

A Miami, Arizona driver just saved on coverage for their Toyota Camry with this quote from National General.

We just helped a driver in Tempe, Arizona cover their Ford F-Series Pickup with this quote from HiRoad.

*Quotes generated for Insurify users in and around Lake Havasu City, Arizona within the last 10 days. Last updated on July 8, 2024

We just helped a driver in Glendale, Arizona cover their KIA Soul with this quote from Progressive.

A Tucson, Arizona driver just saved on coverage for their Subaru Forester with this quote from Liberty Mutual.

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

We just helped a driver in Scottsdale, Arizona cover their Nissan Rogue with this quote from Certainly.

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

National General helped a Nissan Kicks driver in Litchfield Park, 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 July 8, 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 $60 per month to $86 per month. But DUIs are serious convictions. After a DUI, insurers charge an average of $99 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

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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 $60 per month for liability coverage and $115 per month for full coverage.

Who has the cheapest car insurance in Lake Havasu City?

Auto-Owners, Mile Auto, and State Farm are the cheapest liability auto insurers in Lake Havasu City, with rates of $30, $32, and $37 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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