Cheap Auto Insurance Quotes in Lake Havasu City, AZ (2023)

Tanveen Vohra
Written byTanveen Vohra
Tanveen Vohra
Tanveen VohraManager of Content and Communications
  • Property and casualty insurance specialist

  • 4+ years creating insurance content

Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.

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Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated August 31, 2022

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Car Insurance in Lake Havasu City, AZ

The average cost of Arizona car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lake Havasu City, AZ to find you the cheapest quotes in the area.

Quick Facts
  • The average cost of car insurance in Lake Havasu City is $110 per month, or $1320 annually.

  • Car insurance in Lake Havasu City is $45 less than the average cost of car insurance in Arizona.

  • The cheapest car insurance provider in Lake Havasu City on average is Metromile, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More:

Cheapest Car Insurance in Lake Havasu City, AZ

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in Lake Havasu CityQuotes
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
State Farm$42 /mo
Allstate$63 /mo
Travelers$85 /mo
The General$134 /mo
Liberty Mutual$147 /mo

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Average Car Insurance Cost

Arizona Cities
Phoenix$240/mo
Tucson$148/mo
Mesa$163/mo
Chandler$142/mo
Lake Havasu City$94/mo
Arizona$157/mo
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Arizona

Arizona does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.

If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Arizona[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arizona is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Find local Lake Havasu City agents

  • Surety Bonding Services, Inc.

    2050 Palo Verde Blvd N,
    Lake Havasu City, AZ 86404-1909
  • Colorado River Insurance

    1979 McCulloch Blvd N #105,
    Lake Havasu City, AZ 86403
  • Havasu Insurance

    2160 McCulloch Blvd N #101,
    Lake Havasu City, AZ 86403
  • Alex Ross - State Farm Insurance Agent

    2138 McCulloch Blvd N,
    Lake Havasu City, AZ 86403
  • Range Insurance

    45 Capri Blvd UNIT D,
    Lake Havasu City, AZ 86403
  • Aldridge Insurance Services

    375 Lake Havasu Ave Suite D,
    Lake Havasu City, AZ 86403
  • Citywide Insurance

    490 Lake Havasu Ave #104,
    Lake Havasu City, AZ 86403
  • Jean Works - State Farm Insurance Agent

    1915 McCulloch Blvd N Ste 108,
    Lake Havasu City, AZ 86403
  • Farmers Insurance - Lisa Sweet

    344 London Bridge Rd Ste H,
    Lake Havasu City, AZ 86403
  • Deborah J Miller - State Farm Insurance Agent

    1600 McCulloch Blvd N #1B,
    Lake Havasu City, AZ 86403
View more

FAQs - Lake Havasu City, AZ Car Insurance

  • How does where I live affect my car insurance rates?

    Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

  • How can I get the cheapest car insurance in my area?

    If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

  • Who offers the cheapest car insurance in my area?

Insurify Insights

How Lake Havasu City Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Lake Havasu City, Arizona below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Lake Havasu City drivers measure up to their fellow motorists across Arizona in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Lake Havasu City

#35

City with the Most Speeding Tickets Rank in Arizona

#25

City with the Most Moving Violations Rank in Arizona

#3

City with the Most DUIs Rank in Arizona

#3

City with the Most Suspended Licenses in Arizona

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lake Havasu City drivers rank 30 in the number of car accidents per driver across all cities in Arizona.

    • Rank within state: #30
    • Percent of drivers in Lake Havasu City with an accident: 8%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lake Havasu City drivers rank 3 in the number of DUI’s per driver across all cities in Arizona.

    • Rank within state: #3
    • Percent of drivers in Lake Havasu City with a DUI: 2.7%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arizona, Lake Havasu City drivers rank 42 in the number of reckless driving offenses per driver.

    • Rank within state: #42
    • Percent of drivers in Lake Havasu City with a reckless driving offense: 0.6%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arizona, Lake Havasu City drivers rank 41 in rude driving infractions.

    • Rank within state: #41
    • Percent of drivers in Lake Havasu City with a reckless driving violation: 0.9%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arizona, Lake Havasu City drivers rank 35 in the number of speeding infractions per driver.

    • Rank within state: #35
    • Percent of drivers in Lake Havasu City with a speeding ticket: 7.7%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lake Havasu City drivers rank 30 in clean driving records across all cities in Arizona.

    • Rank within state: #30
    • Percent of drivers in Lake Havasu City with clean record: 81%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lake Havasu City drivers rank 34 in hybrid and electric vehicle ownership across all cities in Arizona.

    • Rank within state: #34
    • Percent of drivers in Lake Havasu City with a hybrid/electric vehicle: 0.78%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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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:

  • 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Arizona Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 27, 2022
Tanveen Vohra
Tanveen VohraManager of Content and Communications

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance, focusing on market and pricing trends in home and auto insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

Olivia Oksenhorn
Edited byOlivia OksenhornInsurance Writer
Photo of an Insurify author
Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers