Best Lake Havasu City, AZ Car Insurance in 2025
Car insurance in Lake Havasu City, AZ averages $246 a month. Lake Havasu City, Arizona car insurance requirements are 15/30/10, but you might need full coverage insurance if your car is financed. To find cheap Lake Havasu City car insurance rates, compare quotes from the top car insurance companies in Lake Havasu City, AZ.
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Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Kalyn Johnson
Updated October 2024
- Average car insurance rates in Lake Havasu City, AZ are $2,956/year
- The cheapest ZIP code in Lake Havasu City is 86403
- The cheapest car insurance company in Lake Havasu City is Geico
If you need to buy Lake Havasu City, Arizona car insurance, the options can be confusing. Everything you need to know about car insurance in Lake Havasu City, AZ is right here.
You’ll find Lake Havasu City car insurance rates, the cheapest Lake Havasu City, AZ car insurance companies, and information on Arizona car insurance laws. You can also compare Lake Havasu City, Arizona car insurance rates to Peoria car insurance rates, Tucson car insurance rates, and Glendale car insurance rates.
Ready to find affordable Lake Havasu City, AZ car insurance today? Enter your ZIP code for fast, free Lake Havasu City car insurance quotes.
Cheapest Lake Havasu City, AZ Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lake Havasu City, AZ car insurance rates? Every Lake Havasu City, Arizona car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,730 | $2,730 | $2,661 | $2,661 | $6,048 | $7,876 | $3,070 | $3,347 |
| American Family | $2,107 | $2,107 | $1,939 | $1,939 | $5,532 | $7,202 | $2,107 | $2,469 |
| Farmers | $2,111 | $2,107 | $1,875 | $1,984 | $9,031 | $9,392 | $2,418 | $2,531 |
| Geico | $1,260 | $1,404 | $1,070 | $1,351 | $3,534 | $3,728 | $1,149 | $1,134 |
| Nationwide | $1,610 | $1,637 | $1,452 | $1,530 | $3,817 | $4,852 | $1,842 | $1,980 |
| Progressive | $1,480 | $1,302 | $1,336 | $1,272 | $5,993 | $6,671 | $1,589 | $1,582 |
| State Farm | $2,162 | $2,162 | $1,899 | $1,899 | $6,730 | $8,440 | $2,329 | $2,955 |
| Travelers | $1,397 | $1,464 | $1,299 | $1,375 | $3,954 | $4,929 | $1,472 | $1,544 |
| USAA | $1,660 | $1,664 | $1,550 | $1,568 | $6,204 | $7,086 | $2,184 | $2,335 |
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Minimum Car Insurance in Lake Havasu City, AZ
Every driver must carry the minimum car insurance required by the state in Lake Havasu City, AZ. Take a look at the Arizona car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Lake Havasu City, AZ Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Lake Havasu City, AZ. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Lake Havasu City from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,987 | $3,547 | $3,137 |
| American Family | $3,980 | $2,975 | $2,571 |
| Farmers | $4,473 | $3,752 | $3,568 |
| Geico | $2,504 | $1,651 | $1,332 |
| Nationwide | $2,793 | $2,247 | $1,980 |
| Progressive | $2,954 | $2,586 | $2,419 |
| State Farm | $6,575 | $2,546 | $1,595 |
| Travelers | $2,643 | $2,168 | $1,727 |
| USAA | $3,984 | $2,788 | $2,322 |
Cheapest Lake Havasu City, AZ Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Lake Havasu City, AZ to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,119 | $3,931 | $4,478 | $4,034 |
| American Family | $2,233 | $3,581 | $4,297 | $2,591 |
| Farmers | $3,314 | $4,278 | $4,171 | $3,960 |
| Geico | $1,425 | $1,914 | $2,550 | $1,425 |
| Nationwide | $1,998 | $2,095 | $3,045 | $2,221 |
| Progressive | $2,350 | $3,070 | $2,476 | $2,716 |
| State Farm | $3,248 | $3,896 | $3,572 | $3,572 |
| Travelers | $1,756 | $2,275 | $2,510 | $2,176 |
| USAA | $2,205 | $3,158 | $4,168 | $2,595 |
Cheapest Lake Havasu City, AZ Car Insurance for Teen Drivers
Teen car insurance in Lake Havasu City, AZ can be expensive. Take a look at rates from the top car insurance companies in Lake Havasu City for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,048 | $7,876 |
| American Family | $5,532 | $7,202 |
| Farmers | $9,031 | $9,392 |
| Geico | $3,534 | $3,728 |
| Nationwide | $3,817 | $4,852 |
| Progressive | $5,993 | $6,671 |
| State Farm | $6,730 | $8,440 |
| Travelers | $3,954 | $4,929 |
| USAA | $6,204 | $7,086 |
Cheapest Lake Havasu City, AZ Car Insurance for Seniors
Take a look at Lake Havasu City, AZ rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,661 | $2,661 |
| American Family | $1,939 | $1,939 |
| Farmers | $1,875 | $1,984 |
| Geico | $1,070 | $1,351 |
| Nationwide | $1,452 | $1,530 |
| Progressive | $1,336 | $1,272 |
| State Farm | $1,899 | $1,899 |
| Travelers | $1,299 | $1,375 |
| USAA | $1,550 | $1,568 |
Cheapest Lake Havasu City, AZ Car Insurance Rates After a DUI
A DUI in Lake Havasu City, AZ increases car insurance rates. Compare Lake Havasu City, Arizona car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,478 |
| American Family | $4,297 |
| Farmers | $4,171 |
| Geico | $2,550 |
| Nationwide | $3,045 |
| Progressive | $2,476 |
| State Farm | $3,572 |
| Travelers | $2,510 |
| USAA | $4,168 |
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Cheapest Lake Havasu City, AZ Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lake Havasu City, AZ by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,890 | $3,890 |
| American Family | $3,146 | $3,205 |
| Farmers | $3,931 | $3,931 |
| Geico | $1,798 | $1,859 |
| Nationwide | $2,340 | $2,340 |
| Progressive | $2,653 | $2,653 |
| State Farm | $3,484 | $3,661 |
| Travelers | $2,179 | $2,179 |
| USAA | $2,999 | $3,064 |
Cheapest Lake Havasu City, AZ Car Insurance Rates by ZIP Code
Lake Havasu City car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lake Havasu City, AZ.
| ZIP Code | Average Annual Rates |
|---|---|
| 86403 | $2,860 |
| 86404 | $2,875 |
| 86406 | $3,007 |
The Best Cheap Car Insurance Companies in Lake Havasu City, AZ
Take a look at a side-by-side comparison of the top car insurance companies in Lake Havasu City, AZ to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,890 |
| American Family | $3,175 |
| Farmers | $3,931 |
| Geico | $1,829 |
| Nationwide | $2,340 |
| Progressive | $2,653 |
| State Farm | $3,572 |
| Travelers | $2,179 |
| USAA | $3,031 |
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Category Winners: Cheapest Car Insurance in Lake Havasu City, Arizona
Find the cheapest car insurance companies in Lake Havasu City, AZ for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
Cheapest Lake Havasu City, AZ Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Lake Havasu City car insurance rates. Find the cheapest Lake Havasu City, AZ car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,675 | $3,909 | $4,087 |
| American Family | $3,037 | $3,276 | $3,213 |
| Farmers | $3,437 | $3,968 | $4,388 |
| Geico | $1,542 | $1,852 | $2,092 |
| Nationwide | $2,250 | $2,362 | $2,408 |
| Progressive | $2,365 | $2,698 | $2,896 |
| State Farm | $3,232 | $3,634 | $3,850 |
| Travelers | $1,975 | $2,210 | $2,353 |
| USAA | $2,784 | $3,075 | $3,235 |
What affects car insurance rates in Lake Havasu City, Arizona?
What are the factors that affect car insurance rates in Lake Havasu City, AZ? There are several reasons why Lake Havasu City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lake Havasu City, Arizona.
Car Theft in Lake Havasu City
High levels of vehicle theft can make car insurance more expensive. Lake Havasu City, AZ car theft statistics from the FBI indicate 60 vehicle thefts a year.
Commute Time in Lake Havasu City
The more time you spend in your car the higher the risk of an accident. The average commute length in Lake Havasu City, AZ is 19.5 minutes according to City-Data.
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Compare Car Insurance Quotes in Lake Havasu City, AZ
Ready to find affordable Lake Havasu City, Arizona car insurance today? Enter your ZIP code for fast, free Lake Havasu City, AZ car insurance quotes.
Frequently Asked Questions
How do age, gender, and marital status affect car insurance rates in Lake Havasu City, AZ?
Age, gender, and marital status can impact car insurance rates. Younger drivers typically have higher rates, males may have higher rates than females, and married individuals often enjoy lower rates.
What are the minimum car insurance requirements in Lake Havasu City, AZ?
The minimum car insurance requirements in Lake Havasu City, AZ are 15/30/10, which means $15,000 bodily injury liability coverage per person, $30,000 bodily injury liability coverage per accident, and $10,000 property damage liability coverage.
How does credit score affect car insurance rates in Lake Havasu City, AZ?
Your credit score can affect car insurance rates. Individuals with good credit may receive lower rates, while those with poor credit may face higher premiums.
How does driving record affect car insurance rates in Lake Havasu City, AZ?
Your driving record plays a role in determining car insurance rates. A clean driving record can lead to lower rates, while a history of accidents or violations may result in higher premiums.
How can I find affordable car insurance for teenagers in Lake Havasu City, AZ?
To find affordable car insurance for teenagers in Lake Havasu City, AZ, consider adding them to your existing policy, look for discounts such as good student discounts or driver’s education course discounts, and compare quotes from multiple insurance companies.
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