Cheap Auto Insurance Quotes in Lake Havasu City, AZ (January 2022)

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Last Updated: January 2022

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.
$42
$63
$85
$134
$147
State FarmAllstateTravelersThe GeneralLiberty Mutual

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!

Average Car Insurance Cost

$149
$196
$148
$163
$142
$94
ArizonaPhoenixTucsonMesaChandlerLake Havasu City
Click here to learn about car insurance quotes and save on your current policy.

Lake Havasu City, AZ Driving Facts

arizona

Minimum Car Insurance Requirements in AZ

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.

Arizona's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per 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

Insurify Insights: How Lake Havasu City Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Lake Havasu City, AZ
suspended licenses
#1
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lake Havasu City drivers measure up to their fellow Arizona motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Lake Havasu City

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 31 in the number of car accidents per driver across all cities in Arizona.

  • Rank within state: #31
  • Percent of drivers in Lake Havasu City with an accident: 6.92%
  • Drivers in Lake Havasu City, AZ with an accident in their driving history paid on average 49.07% more than drivers with a clean record

Speeding in Lake Havasu City

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 22 in the number of speeding infractions per driver.

  • Rank within state: #22
  • Percent of drivers in Lake Havasu City with a speeding ticket: 7.85%
  • Drivers in Lake Havasu City, AZ with a speeding ticket in their driving history paid on average 25% more than drivers with a clean record

DUI/DWIs in Lake Havasu City

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: 3.18%
  • Drivers in Lake Havasu City, AZ with a DUI in their driving history paid on average -86.11% more than drivers with a clean record

Most Popular Vehicle in Lake Havasu City

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lake Havasu City is the Ford F-Series Pickup.

Rude in Lake Havasu City

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 12 in rude driving infractions.

  • Rank within state: #12
  • Percent of drivers in Lake Havasu City with a reckless driving violation: 2.06%
  • Drivers in Lake Havasu City, AZ with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Lake Havasu City

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 8 in clean driving records across all cities in Arizona.

  • Rank within state: #8
  • Percent of drivers in Lake Havasu City with clean record: 82.8%

Failure to Yield the Right of Way in Lake Havasu City

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lake Havasu City drivers rank 20 in failure to yield violations per driver across all cities in Arizona.

  • Rank within state: #20
  • Percent of drivers in Lake Havasu City with a failure to yield violation: 0.19%
  • Drivers in Lake Havasu City, AZ with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Lake Havasu City

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 24 in the number of reckless driving offenses per driver.

  • Rank within state: #24
  • Percent of drivers in Lake Havasu City with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Lake Havasu City

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 16 in hybrid and electric vehicle ownership across all cities in Arizona.

  • Rank within state: #16
  • Percent of drivers in Lake Havasu City with a hybrid/electric vehicle: 1.27%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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