Cheapest Auto Insurance in Lake Havasu City, Arizona (2026)

Overall, the average car insurance rate in Lake Havasu City is $85 per month, which is less than the average cost for Arizona car insurance, at $124 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.

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	$97	$53	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.

• How Insurify rates insurance companies

  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

teen drivers

Compare Quotes

User Reviews	4.3 331 reviews
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.	$42/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.	$71/mo

Details

Driver Reviews

4.3

Best choice in Lake Havasu City, AZBased on 331 verified driver reviews and ratings

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 in Lake Havasu City for

Cheap rates

Senior drivers

Ample discounts

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 in Lake Havasu City for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

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.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

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.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

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

Low-Mileage Drivers

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User Reviews	4.5 200 reviews
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.	$45/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.	$78/mo

Details

Driver Reviews

4.5

Best choice in Lake Havasu City, AZBased on 200 verified driver reviews and ratings

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 in Lake Havasu City for

Low-mileage drivers

Senior drivers

Cheap full coverage

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 in Lake Havasu City for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 67 Mile Auto reviews

Maureen

Verified Purchase

Low mileage savings made easy

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.

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

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

customer satisfaction

Compare Quotes

User Reviews	4.0 17,457 reviews
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.	$51/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.	$88/mo

Details

Driver Reviews

4.0

Best choice in Lake Havasu City, AZBased on 17,457 verified driver reviews and ratings

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 in Lake Havasu City for

Customer service

Competitive rates

Discounts for safe drivers

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 in Lake Havasu City for

Customer service

Competitive rates

Discounts for safe drivers

Showing 58 Arizona reviews for Lake Havasu City drivers - See all 7,451 State Farm reviews

Kamlesh

Verified Review

Premium quote and coverage was in line with most other insurance companies. Agents were good when po

Reviewed in Arizona on April 25, 2026

Better than my experience with State Farm adjuster’s response to my only accident.

Julie

Verified Review

Poor Service

Reviewed in Arizona on April 23, 2026

Our agents were poor at returning calls, and their advice was confusing. It was as if they didn’t do anything. There were no suggestions on how to lower rates.

Harriet

Verified Review

I would suggest not purchasing insurance from State Farm. They offer one price to secure the business, followed by an immediate rate increase.

Reviewed in Arizona on April 21, 2026

I would suggest not purchasing insurance from State Farm. They offer one price to secure the business, followed by an immediate rate increase.

Jennifer

Verified Review

Starts out good and then prices go up for no reason

Reviewed in Arizona on April 13, 2026

I used to pay $155.77 and now I’m paying $317, with no explanation why I’m paying almost double what I was paying.

Charles

Verified Review

Expensive

Reviewed in Arizona on April 4, 2026

They keep raising my rates, and I've never had a chargeable incident.

James

Verified Review

Fair

Reviewed in Arizona on April 3, 2026

Could be a little more transparent with the billing.

Terry

Verified Review

The Best Insurance - Always There to Answer Any Question You Have

Reviewed in Arizona on April 3, 2026

I would always go with State Farm. It's a very good insurance company.

Suzanne

Verified Review

My Insurance Co.

Reviewed in Arizona on April 3, 2026

Never a problem with State Farm.

Gene

Verified Review

Good price and excellent service

Reviewed in Arizona on April 2, 2026

Excellent

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

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 $41 per month

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4.7 out of 5 based on 13,892 reviews

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Cheapest liability-only car insurance in Lake Havasu City: Just Pay-Per-Mile

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.

Just Pay-Per-Mile offers the cheapest liability-only policies in Lake Havasu City, at $41 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: Wednesday, April 22 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Just Pay-Per-Mile	$41
Auto-Owners	$42
Mile Auto	$45
Progressive	$49
State Farm	$51
Certainly	$52
Sun Coast	$54
Aspire General	$55
Novo Flex	$57
USAA	$57
Mercury	$58
Novo Next	$61
The General	$62
Dairyland	$65
Novo	$65
Just Unlimited	$67
Hiroad	$68
GEICO	$70
Bristol West	$71
National General	$71
Safeco	$71
Direct Auto	$74
Trexis	$79
Commonwealth Casualty	$81
AssuranceAmerica	$82
Root	$82
Clearcover	$83
GAINSCO	$83
Allstate	$85
Travelers	$88
Covercube	$90
COUNTRY Financial	$99
American Family	$100
Farmers	$103
The Hartford	$103
Liberty Mutual	$114
Nationwide	$116

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 $71. 

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: Wednesday, April 22 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$71
Just Pay-Per-Mile	$77
Mile Auto	$78
Novo Flex	$79
Novo Next	$85
State Farm	$88
Sun Coast	$92
Progressive	$98
USAA	$98
Novo	$99
Safeco	$99
Mercury	$101
Aspire General	$110
GEICO	$113
Hiroad	$124
Root	$127
Bristol West	$132
Just Unlimited	$132
National General	$138
Clearcover	$139
Direct Auto	$140
Certainly	$143
Allstate	$146
Liberty Mutual	$148
Travelers	$151
The General	$154
AssuranceAmerica	$159
Dairyland	$163
Trexis	$163
Commonwealth Casualty	$170
American Family	$171
COUNTRY Financial	$171
The Hartford	$176
Farmers	$177
Covercube	$183
GAINSCO	$188
Nationwide	$198

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.

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.

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 $64 per month to $81 per month. But DUIs are serious convictions. After a DUI, insurers charge an average of $88 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: Wednesday, April 22 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Just Pay-Per-Mile	$41	$52	$55	$57
Auto-Owners	$42	$55	$56	$59
Mile Auto	$45	$55	$61	$63
Progressive	$49	$62	$66	$68
State Farm	$51	$65	$68	$72
Certainly	$52	$66	$70	$72
Sun Coast	$54	$68	$73	$74
Aspire General	$55	$70	$74	$76
Novo Flex	$57	$72	$77	$79
USAA	$57	$74	$77	$80
Mercury	$58	$81	$88	$86
Novo Next	$61	$77	$82	$84
The General	$62	$83	$86	$84
Dairyland	$65	$81	$87	$91
Novo	$65	$82	$88	$90
Just Unlimited	$67	$85	$90	$92
Hiroad	$68	$86	$92	$94
GEICO	$70	$92	$93	$98
Bristol West	$71	$90	$95	$100
National General	$71	$89	$96	$100
Safeco	$71	$94	$100	$106
Direct Auto	$74	$94	$102	$104
Trexis	$79	$100	$106	$109
Commonwealth Casualty	$81	$96	$108	$110
AssuranceAmerica	$82	$105	$110	$115
Root	$82	$110	$111	$117
Clearcover	$83	$106	$120	$117
GAINSCO	$83	$100	$108	$117
Allstate	$85	$111	$115	$120
Travelers	$88	$115	$120	$124
Covercube	$90	$114	$121	$124
COUNTRY Financial	$99	$135	$137	$136
American Family	$100	$130	$136	$141
Farmers	$103	$133	$139	$145
The Hartford	$103	$143	$145	$152
Liberty Mutual	$114	$146	$153	$160
Nationwide	$116	$151	$158	$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.

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.

Lake Havasu City car insurance FAQs