Compare Lake Havasu City, AZ Car Insurance Rates (2022)

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.

Free Car Insurance Comparison

secured lock Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lake Havasu City, Arizona

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

Minimum Car Insurance in Lake Havasu City, AZ

Every driver must carry the minimum car insurance in Lake Havasu City, AZ. Take a look at the Arizona car insurance requirements.

Minimum Required Car Insurance Coverage in Lake Havasu City, Arizona

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. Compare credit history car insurance rates in Lake Havasu City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lake Havasu City, Arizona

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. Compare bad driving record car insurance rates in Lake Havasu City, AZ to rates for a clean record with top companies.

Annual Lake Havasu City, Arizona Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Lake Havasu City, Arizona

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 senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lake Havasu City, Arizona

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 DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lake Havasu City, Arizona

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

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.

Annual Car Insurance Rates by Commute Length in Lake Havasu City, Arizona

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.

Annual Car Insurance Rates by ZIP Code in Lake Havasu City, Arizona

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.

Average Annual Car Insurance Rates by Company in Lake Havasu City, Arizona

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

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.

Best Annual Car Insurance Rates by Company in Lake Havasu City, Arizona

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 coverage you choose 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.

Annual Car Insurance Rates by Coverage Level in Lake Havasu City, Arizona

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 factors can have an impact on Lake Havasu City, AZ car insurance? 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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption