Cheapest Auto Insurance in Lake Havasu City, Arizona (2026)
Auto-Owners offers the cheapest car insurance in Lake Havasu City, with rates as low as $33 per month.
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Written byAlani Asis
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Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
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Edited byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
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10+ years editing experience
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
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Updated
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Overall, the average car insurance rate in Lake Havasu City is $84 per month, which is less than the average cost for Arizona car insurance, at $125 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.
Quick Facts
The average cost of car insurance in Lake Havasu City is $60 per month for liability coverage and $107 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.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $87 | $48 | Teen drivers |
| Mile Auto | 8.8 | $100 | $55 | Low-mileage drivers |
| State Farm | 9.3 | $107 | $59 | Customer satisfaction |
Disclaimer: Table data sourced from real-time Lake Havasu City car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lake Havasu City may vary based on the policy buyer's unique driver profile.
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 10 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.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for teen drivers: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $33/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $58/mo |
4.3
Best choiceBased on 337 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
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.
Pros
Above-average J.D. Power claims satisfaction rating
Plenty of coverage options
Cons
No online quotes
Limited customer service hours
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $37/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $66/mo |
4.5
Best choiceBased on 204 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 68 Mile Auto reviews
Verified Purchase
Reviewed in Tennessee on May 6, 2026
I just wish they would send me an actual insurance card and my policy info in the mail, not just email, because I have no way to print it.
Verified Purchase
Reviewed in Georgia on April 16, 2026
This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.
Verified Purchase
Reviewed in Georgia on March 17, 2026
So far, it has been very good.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
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.
Pros
Doesn’t require in-car telematics device
Affordable premiums for low-mileage drivers
Cons
No bundles or discounts available
No mobile app
Best insurer for customer satisfaction: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $72/mo |
4.0
Best choiceBased on 18,197 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 52 Arizona reviews for Lake Havasu City driversSee all 7,572 State Farm reviews
Verified Review
Reviewed in Arizona on May 18, 2026
Not satisfied with a recent claim, a no-fault, only one I have had in 40 years, and they increased my insurance premium by $400 a year. No thank you, I will be shopping for something at a better price, possibly for seniors.
Verified Review
Reviewed in Arizona on May 13, 2026
I haven’t had any claims, so not much info, good or bad.
Verified Review
Reviewed in Arizona on May 4, 2026
Excellent coverage options and great flexibility to find the insurance I need for my family. More coverage options than other large insurance companies.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
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.
Pros
More than 100 years in business
Offers rideshare insurance
Cons
No gap insurance or accident forgiveness available
Limited discounts compared to other insurers
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 $33 per month
Excellent
4.7 out of 5 based on 14,501 reviews
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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 $33 per month.
Take a look at other Lake Havasu City car insurance companies offering competitive quotes for liability insurance in the table below.
The below rates in Lake Havasu City, AZ, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $33 |
| Just Pay-Per-Mile | $33 |
| Mile Auto | $37 |
| Progressive | $39 |
| State Farm | $40 |
| Certainly | $42 |
| Sun Coast | $42 |
| Aspire General | $44 |
| Novo Flex | $45 |
| USAA | $45 |
| Mercury | $46 |
| Novo Next | $48 |
| The General | $49 |
| Novo | $51 |
| Dairyland | $52 |
| Hiroad | $54 |
| Just Unlimited | $54 |
| GEICO | $55 |
| Bristol West | $56 |
| Safeco | $56 |
| National General | $57 |
| Direct Auto | $58 |
| Trexis | $63 |
| AssuranceAmerica | $64 |
| Commonwealth Casualty | $64 |
| Clearcover | $65 |
| Root | $65 |
| Allstate | $66 |
| GAINSCO | $66 |
| Travelers | $69 |
| Covercube | $71 |
| Country Financial | $78 |
| American Family | $79 |
| Farmers | $81 |
| The Hartford | $81 |
| Liberty Mutual | $90 |
| Nationwide | $90 |
Disclaimer: Table data sourced from real-time Lake Havasu City car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lake Havasu City may vary based on the policy buyer's unique driver profile.
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 $58.
Consider some of these insurance companies for an affordable full-coverage policy.
The below rates in Lake Havasu City, AZ, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $58 |
| Just Pay-Per-Mile | $64 |
| Novo Flex | $65 |
| Mile Auto | $66 |
| Novo Next | $69 |
| State Farm | $72 |
| Sun Coast | $76 |
| USAA | $81 |
| Novo | $82 |
| Progressive | $82 |
| Safeco | $82 |
| Mercury | $84 |
| Aspire General | $91 |
| GEICO | $93 |
| Hiroad | $102 |
| Root | $106 |
| Bristol West | $109 |
| Just Unlimited | $110 |
| Direct Auto | $114 |
| Clearcover | $115 |
| National General | $115 |
| Allstate | $120 |
| Certainly | $121 |
| Liberty Mutual | $123 |
| Travelers | $124 |
| The General | $127 |
| AssuranceAmerica | $131 |
| Trexis | $135 |
| Commonwealth Casualty | $140 |
| Country Financial | $140 |
| American Family | $142 |
| Dairyland | $142 |
| The Hartford | $145 |
| Farmers | $146 |
| Covercube | $152 |
| GAINSCO | $154 |
| Nationwide | $163 |
Disclaimer: Table data sourced from real-time Lake Havasu City car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lake Havasu City may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Lake Havasu City, Arizona drivers
Recent Lake Havasu City, Arizona car insurance prices for Nissan, Honda, BMW, and more.
*Quotes generated for Insurify users in and around Lake Havasu City, Arizona within the last 10 days. Last updated on May 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lake Havasu City, Arizona within the last 10 days. Last updated on May 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
| Uninsured/underinsured motorist bodily injury | $25,000 per person / $50,000 per accident |
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
Collision coverage pays for car repairs after you hit another vehicle or stationary object, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for damage from non-collision incidents, like theft, vandalism, or severe weather.
Emergency roadside assistance coverage
If you’re stranded on the road, roadside assistance coverage pays for towing, jump-starts, fuel delivery, and more to get you moving again.
Rental car coverage
This endorsement pays for a rental car while your vehicle is in the shop for repairs due to a covered incident.
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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 $76 per month. But DUIs are serious convictions. After a DUI, insurers charge an average of $82 per month.
Here’s what car insurance companies in Lake Havasu City charge drivers on average, based on driving history.
The below rates in Lake Havasu City, AZ, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| Just Pay-Per-Mile | $33 | $42 | $44 | $45 |
| Auto-Owners | $33 | $43 | $44 | $46 |
| Mile Auto | $37 | $45 | $50 | $52 |
| Progressive | $39 | $50 | $53 | $54 |
| State Farm | $40 | $51 | $54 | $56 |
| Certainly | $42 | $53 | $57 | $58 |
| Sun Coast | $42 | $53 | $57 | $58 |
| Aspire General | $44 | $56 | $59 | $60 |
| Novo Flex | $45 | $57 | $61 | $62 |
| USAA | $45 | $59 | $61 | $63 |
| Novo Next | $48 | $61 | $65 | $66 |
| Mercury | $46 | $64 | $70 | $69 |
| Novo | $51 | $65 | $69 | $70 |
| Dairyland | $52 | $65 | $70 | $73 |
| The General | $49 | $66 | $68 | $67 |
| Hiroad | $54 | $69 | $73 | $74 |
| Just Unlimited | $54 | $69 | $73 | $74 |
| Bristol West | $56 | $71 | $75 | $79 |
| National General | $57 | $72 | $77 | $80 |
| GEICO | $55 | $73 | $73 | $77 |
| Direct Auto | $58 | $73 | $80 | $82 |
| Safeco | $56 | $74 | $79 | $83 |
| Commonwealth Casualty | $64 | $77 | $85 | $87 |
| GAINSCO | $66 | $80 | $86 | $93 |
| Trexis | $63 | $80 | $85 | $86 |
| AssuranceAmerica | $64 | $82 | $86 | $90 |
| Clearcover | $65 | $84 | $94 | $91 |
| Allstate | $66 | $86 | $90 | $93 |
| Root | $65 | $87 | $88 | $92 |
| Covercube | $71 | $90 | $96 | $97 |
| Travelers | $69 | $90 | $94 | $97 |
| American Family | $79 | $103 | $107 | $106 |
| Farmers | $81 | $105 | $109 | $114 |
| Country Financial | $78 | $107 | $108 | $107 |
| The Hartford | $81 | $113 | $114 | $119 |
| Liberty Mutual | $90 | $116 | $121 | $127 |
| Nationwide | $90 | $118 | $123 | $127 |
Disclaimer: Table data sourced from real-time Lake Havasu City car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lake Havasu City may vary based on the policy buyer's unique driver profile.
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.
Age | Average Monthly Quote |
|---|---|
| Teens | $216 |
| 20s | $268 |
| 30s | $249 |
| 40s | $212 |
| 50s | $158 |
| 60s | $111 |
| 70s | $83 |
Disclaimer: Table data is based on real-time Lake Havasu City quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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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.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $93 |
| Good | $110 |
| Fair | $121 |
| Poor | $183 |
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 $107 per month for full coverage.
Who has the cheapest car insurance in Lake Havasu City?
Auto-Owners, Just Pay-Per-Mile, and Mile Auto are the cheapest liability auto insurers in Lake Havasu City, with rates of $33, $33, 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.
Sources
- U.S. Census Bureau. "QuickFacts: Lake Havasu City city, Arizona; Phoenix city, Arizona."
- Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
- III. "Senior driving safety and insurance tips."
- Arizona Department of Insurance. "How Insurance Companies Use Credit Information."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Cheapest Auto Insurance in Yuma, Arizona
Auto-Owners has the cheapest car insurance in Yuma, with rates of $39 per month.
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Cheap Auto Insurance in Scottsdale, Arizona
Just Pay-Per-Mile offers the cheapest car insurance in Scottsdale, with minimum-coverage policies as low as $50 per month.
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Cheap Auto Insurance in Glendale, Arizona
Auto-Owners offers the cheapest car insurance in Glendale, with minimum-coverage rates starting at $63 per month.
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Cheapest Auto Insurance in Chandler, Arizona
Just Pay-Per-Mile offers the cheapest car insurance in Chandler, with minimum-coverage policies as low as $49 per month.
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Cheapest Auto Insurance in Tempe, Arizona
Auto-Owners has the cheapest liability car insurance in the state, with a rate of $56 per month.
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Cheapest Auto Insurance in Flagstaff, Arizona
Auto-Owners offers the cheapest car insurance in Flagstaff, with minimum-coverage policies as low as $38 per month.
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Cheap Auto Insurance in Casa Grande, Arizona
Just Pay-Per-Mile offers the cheapest car insurance in Casa Grande, with minimum-coverage policies as low as $48 per month.
Cheap Car Insurance Quotes in Mesa, Arizona (May 2026)
Just Pay-Per-Mile offers the cheapest insurance in Mesa, with an average rate of $53 per month. In Mesa, main corridors like I-70, North Ave, and Patterson Road account for a high number of crashes.
Cheap Car Insurance Quotes in Tucson (May 2026)
Just Pay-Per-Mile offers the cheapest car insurance in Tucson, with rates of $47 per month. Car insurance rates in Tucson are usually slightly cheaper than the Arizona state average.
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Cheapest Car Insurance Quotes in Phoenix (May 2026)
Just Pay-Per-Mile offers the cheapest car insurance in Phoenix, averaging $64 per month. Phoenix has a high rate of auto theft, which increases car insurance prices.
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Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
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Licensed property and casualty insurance agent
10+ years editing experience
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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