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.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

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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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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 16, 2024

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Cheapest recent rates near Lake Havasu City, Arizona

Recent Lake Havasu City, Arizona car insurance prices for BMW, Lexus, Chrysler , and more.

*Quotes generated for Insurify users in and around Lake Havasu City, Arizona within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

Quick Facts
  • 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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$79$47Teen drivers
Mile Auto3.7$83$52Low-mileage drivers
State Farm4.6$97$58Customer satisfaction
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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-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.

    • 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 28,000 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$30/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.
$50/mo

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

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$53/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$38/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.
$61/mo

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

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

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

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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 $30 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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$30
Mile Auto$33
GEICO$38
State Farm$38
Root$41
USAA$42
Sun Coast$49
Metromile$50
Safeco$50
National General$52
Midvale Home & Auto$57
Allstate$63
Mercury$64
Progressive$64
Direct Auto$65
Travelers$65
Hallmark$69
Dairyland$70
American Family$73
COUNTRY Financial$73
The Hartford$75
Farmers$76
GAINSCO$77
The General$78
Nationwide$85
Infinity$87
Liberty Mutual$87
Bristol West$92
AssuranceAmerica$96
Commonwealth Casualty$109
Foremost$136
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $50. 

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$50
Mile Auto$53
State Farm$61
GEICO$63
Root$67
USAA$69
Safeco$81
Metromile$82
Midvale Home & Auto$90
Allstate$102
Sun Coast$103
Mercury$105
Travelers$106
Progressive$112
COUNTRY Financial$119
Infinity$119
National General$119
American Family$121
Nationwide$124
The Hartford$124
Farmers$125
State Auto$129
Direct Auto$139
Liberty Mutual$148
AssuranceAmerica$152
Hallmark$160
Dairyland$167
The General$171
GAINSCO$173
Bristol West$174
Foremost$232
Commonwealth Casualty$254
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Lake Havasu City, Arizona

Recent Lake Havasu City, Arizona car insurance prices for Honda, RAM, Chrysler , and more.

*Quotes generated for Insurify users in and around Lake Havasu City, Arizona within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car coverage

    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

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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Auto-Owners$30$39$40$50
Mile Auto$33$46$49$50
GEICO$38$50$51$64
State Farm$38$49$51$64
Root$41$57$59$69
USAA$42$55$57$70
Sun Coast$49$71$72$81
Metromile$50$68$71$84
Safeco$50$66$65$84
National General$52$66$70$87
Midvale Home & Auto$57$77$81$95
Allstate$63$82$85$105
Mercury$64$89$92$97
Progressive$64$83$88$107
Direct Auto$65$85$90$109
Travelers$65$85$88$109
Hallmark$69$90$90$115
Dairyland$70$92$94$117
American Family$73$95$98$122
COUNTRY Financial$73$97$102$122
The Hartford$75$107$111$113
Farmers$76$98$102$127
GAINSCO$77$111$100$129
The General$78$103$107$131
Nationwide$85$112$116$142
Infinity$87$118$116$146
Liberty Mutual$87$125$128$146
Bristol West$92$119$122$154
AssuranceAmerica$96$128$130$161
Commonwealth Casualty$109$156$145$182
Foremost$136$195$200$228
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

AgeAverage Monthly Quote
Teens$216
20s$268
30s$249
40s$212
50s$158
60s$111
70s$83
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.

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.

Rates by Credit Tier

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.

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:

  • 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. U.S. Census Bureau. "QuickFacts: Lake Havasu City city, Arizona; Phoenix city, Arizona."
  2. Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
  3. III. "Senior driving safety and insurance tips."
  4. Arizona Department of Insurance. "How Insurance Companies Use Credit Information."
Alani Asis
Alani Asis

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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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.

Featured in

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