Cheapest Car Insurance Quotes in Lake Havasu City

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Lake Havasu City Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lake Havasu City

The car insurance rate in Lake Havasu City is $753 for a six-month policy, which is $264 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $347, making it a popular choice for budget-conscious drivers. Rates in Lake Havasu City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lake Havasu City

$753

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Lake Havasu City

1st place: Root Insurance Company

At $347 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $457 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $479 for six months, making it the third cheapest auto insurance company in Lake Havasu City.

Lake Havasu City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Havasu City, AZ is Root Insurance Company, offering policies at just $347 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $457.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $804 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Havasu City drivers find the best deals.

Cheap Car Insurance Companies in Lake Havasu City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$347	$59
Auto-Owners Insurance Co	$457	$76
Farmers	$479	$81
Mercury	$492	$82
Hartford	$514	$87
Iowa Farm Bureau	$519	$87
Travelers	$611	$103
USAA	$716	$121
Progressive	$725	$122
State Farm	$739	$124
Auto-Owners	$831	$140
Farm Bureau	$1077	$180
Allstate	$1121	$189
The Hartford	$1121	$189
CSAA	$1495	$254
Nationwide	$804	$134

Key Takeaways

Way's key takeaways about car insurance in Lake Havasu City

The auto insurance costs in Lake Havasu City fall around $347 for six months.
The cheapest auto insurance company in Lake Havasu City is Mercury.
Teen drivers pay the highest rate in Lake Havasu City at $650 per month.

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Cheapest Minimum Liability Car Insurance in Lake Havasu City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lake Havasu City are given below.

Mercury provides the cheapest minimum car insurance coverage in Lake Havasu City. Their Average 6 Month Premium is $176. The Hartford is the most expensive at $453 for the same period.

Cheapest Liability Coverage in Lake Havasu City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$176	$30
Auto-Owners Insurance Co	$229	$39
Travelers	$229	$38
Country Financial	$233	$40
Root Insurance Company	$238	$39
USAA	$242	$41
Farmers	$251	$41
Auto-Owners	$263	$44
Iowa Farm Bureau	$263	$44
State Farm	$290	$49
Progressive	$299	$50
Allstate	$378	$64
Farm Bureau	$408	$68
The Hartford	$453	$77

Cheapest Full Coverage Car Insurance in Lake Havasu City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lake Havasu City is Root Insurance Company at $59 per month and $347 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Havasu City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$347	$59
Auto-Owners Insurance Co	$457	$76
Farmers	$479	$81
Mercury	$492	$82
Hartford	$514	$87
Iowa Farm Bureau	$519	$87
Travelers	$611	$103
USAA	$716	$121
Progressive	$725	$122
State Farm	$739	$124
Auto-Owners	$831	$140
Farm Bureau	$1077	$180
Allstate	$1121	$189
The Hartford	$1121	$189
CSAA	$1495	$254
Nationwide	$804	$134

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Average Car Insurance in Lake Havasu City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lake Havasu City, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Havasu City, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lake Havasu City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lake Havasu City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Lake Havasu City,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Lake Havasu City at $36 per month. At $3904 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$211	$36
Root Insurance Company	$242	$41
Country Financial	$272	$45
Farmers	$308	$53
Auto-Owners Insurance Co	$312	$52
Iowa Farm Bureau	$326	$56
Travelers	$892	$150
USAA	$1055	$178
State Farm	$1099	$185
Progressive	$1706	$287
Allstate	$1820	$306
Farm Bureau	$2787	$474
Auto-Owners	$2809	$468
The Hartford	$3560	$605
CSAA	$3904	$650

Teen Car Insurance Rates in AZ by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lake Havasu City, Mercury is the cheapest car insurance provider. At $202 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lake Havasu City is State Farm, offering rates of around $5073 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$202	$34
Root Insurance Company	$303	$52
Country Financial	$326	$54
Farmers	$365	$62
Nationwide	$374	$62
Iowa Farm Bureau	$475	$81
Hartford	$483	$81
Progressive	$765	$129
Travelers	$782	$132
Allstate	$1442	$243
USAA	$1446	$241
Farm Bureau	$1860	$316
The Hartford	$2299	$383
Auto-Owners	$2765	$470
State Farm	$5073	$845

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Car Insurance Rates with An Accident in Lake Havasu City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lake Havasu City, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Havasu City

The cheapest car insurance companies after an at-fault accident in Lake Havasu City include Root Insurance Company and Country Financial, offering $299 and $303, respectively. CSAA is an expensive provider with an average six-month premium of $2426.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$299	$50
Country Financial	$303	$52
Auto-Owners Insurance Co	$356	$59
Noblr	$501	$85
Travelers	$523	$88
Root	$545	$93
State Farm	$558	$94
General Casualty	$682	$116
USAA	$699	$118
Progressive	$800	$135
Farmers	$1006	$169
Mercury	$1046	$176
Farm Bureau Mutual (IA Group)	$1081	$181
Auto-Owners	$1165	$196
Metromile	$1231	$205
General Agents Group	$1385	$235
Country	$1464	$244
Encompass	$1591	$271
Allstate	$1609	$271
Nationwide	$1710	$291
The Hartford	$1740	$293
Safeway	$1947	$331
Farm Bureau	$2057	$343
Permanent General	$2105	$358
MetLife	$2400	$400
CSAA	$2426	$413

Lake Havasu City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Havasu City AZ. For example, the car insurance in Lake Havasu City after a DUI increases to $892 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Lake Havasu City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$866	$144
One Med/PIP claim	$866	$147
Not-at-fault accident	$870	$145
One comp claim	$906	$154
Two Med/PIP claims	$906	$151
Two comp claims	$941	$160
Failure to wear a seat belt	$989	$165
Child safety restraint	$1029	$175
Driving without lights	$1029	$172
Failure to show documents	$1029	$175
Speeding 6 - 10 MPH over limit	$1046	$175
Driving too slowly	$1086	$184
Speeding 11 - 15 MPH over limit	$1086	$181
Speeding in school zone	$1086	$184
Driving with expired registration	$1094	$183
Speeding 16 - 20 MPH over limit	$1094	$186
Cell phone violation	$1099	$184
Failure to stop at a red light	$1099	$187
Failure to yield	$1099	$184
Following too closely	$1099	$187
Illegal turn	$1099	$184
Texting while driving	$1099	$187
Wrong way/wrong lane	$1099	$184
Improper passing	$1117	$190
Speeding 21 - 25 MPH over limit	$1130	$188
In 65 MPH zone	$1147	$195
Passing school bus	$1160	$193
At-fault accident - less than $1000	$1191	$203
Operating a vehicle without permission	$1253	$209
At-fault accident - $1000-$2000	$1288	$219
At-fault accident - greater than $2000	$1305	$218
Open container	$1371	$233
Reckless driving	$1521	$254
Driving with a suspended license	$1570	$267
DUI	$1758	$293
Refusal to submit to a chemical test	$1758	$299
Racing	$1797	$300
Leaving scene of an accident/hit and run	$1806	$307

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lake Havasu City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lake Havasu City.

The cheapest car insurance premiums in Lake Havasu City are offered by Mercury at $233 for a six-month policy. However, it can be as expensive as $2615 with companies like Farm Bureau.

Lake Havasu City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$233	$38
Root Insurance Company	$263	$45
Country Financial	$330	$55
Hartford	$413	$70
Progressive	$554	$93
Travelers	$616	$104
Farmers	$664	$112
State Farm	$756	$127
USAA	$1068	$180
Nationwide	$1323	$225
Auto-Owners	$1740	$290
The Hartford	$1912	$325
Allstate	$2026	$341
Farm Bureau	$2615	$445

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lake Havasu City are offered by AutoOwners Insurance Co at $229. However, it can be as expensive as $2488 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake Havasu City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$229	$39
Mercury	$251	$41
Country Financial	$272	$47
Root Insurance Company	$299	$50
Farmers	$308	$53
State Farm	$593	$100
Travelers	$659	$111
Progressive	$664	$112
USAA	$941	$160
Auto-Owners	$963	$161
Farm Bureau	$1464	$249
The Hartford	$1666	$278
Allstate	$2488	$423

Car Insurance Price Trends in Lake Havasu City, Arizona

Car insurance rates in Lake Havasu City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lake Havasu City rose by $155 in January compared to $90 of December. In other words, there has been an increase by $65 when you compare January and December.

The average cost of liability insurance in the Lake Havasu City rose to $47 in January, compared to $40 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lake Havasu City?

The car insurance in Lake Havasu City is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Havasu City?

The cheapest car insurance in Lake Havasu City is $59 per month for full coverage.

How much is car insurance in Lake Havasu City for teenagers?

Car insurance for teenagers costs $211 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lake Havasu City?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $127 per month to insure your car in Lake Havasu City.

Is car insurance expensive in Lake Havasu City?

Car insurance can be expensive in Lake Havasu City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lake Havasu City can be affordable.

What is the best car insurance in Lake Havasu City, AZ?

The best car insurance company in Lake Havasu City AZ is Root Insurance Company, offering $347 for a six-month policy.