Best Cheap Auto Insurance in Lake Havasu City, AZ (2021)

The average Lake Havasu City, AZ auto insurance rates are $246 per month. The minimum auto insurance in Lake Havasu City is at least 15/30/10 in coverage to comply with Arizona auto insurance laws. To find the best cheap auto insurance in Lake Havasu City, Arizona, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Lake Havasu City, Arizona is 15/30/10
  • Average auto insurance rates in Lake Havasu City, AZ for senior drivers are $1,703 per year
  • The average commute length in Lake Havasu City is 19.5 minutes

Lake Havasu City, Arizona auto insurance requirements are 15/30/10 according to Arizona auto insurance laws. Finding cheap auto insurance in Lake Havasu City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lake Havasu City, Arizona, including driving record, credit, commute time, and more.

Compare auto insurance in Lake Havasu City to other Arizona cities, including Peoria auto insurance rates, Surprise auto insurance rates, and Scottsdale auto insurance rates to see how Lake Havasu City, Arizona auto insurance rates stack up.

Before you buy Lake Havasu City, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lake Havasu City, Arizona auto insurance quotes.

Minimum Auto Insurance in Lake Havasu City, Arizona

Lake Havasu City, Arizona auto insurance laws require that you have at least the Arizona minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lake Havasu City, Arizona.

Minimum Required Auto 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

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Cheap Lake Havasu City, Arizona Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lake Havasu City, Arizona are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Lake Havasu City, Arizona Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lake Havasu City, Arizona is a challenge. Take a look at the annual teen auto insurance rates in Lake Havasu City, Arizona.

Annual Auto 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

Cheap Lake Havasu City, Arizona Auto Insurance for Seniors

What are senior auto insurance rates in Lake Havasu City, Arizona? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Lake Havasu City, Arizona Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lake Havasu City, Arizona compared to the annual auto insurance rates with a clean record in Lake Havasu City, Arizona.

Annual Lake Havasu City, Arizona Auto 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

Cheap Lake Havasu City, Arizona Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lake Havasu City, Arizona is not easy. Compare the annual rates for DUI auto insurance in Lake Havasu City, Arizona to find the best deal.

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

Insurance Company Annual Auto 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

Cheap Lake Havasu City, Arizona Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lake Havasu City, Arizona annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Lake Havasu City, Arizona Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lake Havasu City, Arizona can vary. Compare the annual cost of auto insurance by ZIP code in Lake Havasu City, Arizona to see how car insurance rates are affected by location.

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

ZIP Code Average Annual Rates
86403 $2,860
86404 $2,875
86406 $3,007

Cheap Lake Havasu City, Arizona Auto Insurance Rates By Commute

Commute length and annual mileage affect Lake Havasu City, Arizona auto insurance. Find the cheapest annual Lake Havasu City, Arizona auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Lake Havasu City, Arizona Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lake Havasu City, Arizona? Check out the comparison of annual Lake Havasu City, Arizona auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Lake Havasu City, Arizona

Compare the cheapest auto insurance companies in Lake Havasu City, Arizona in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Lake Havasu City, Arizona Auto Insurance Companies

What auto insurance companies in Lake Havasu City, Arizona are the cheapest? Compare the top Lake Havasu City, Arizona auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Lake Havasu City, Arizona?

There are a lot of reasons why auto insurance rates in Lake Havasu City, Arizona are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lake Havasu City, Arizona. Many local factors may affect your Lake Havasu City auto insurance rates.

Lake Havasu City Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lake Havasu City, Arizona auto theft statistics, there have been 60 auto thefts in the city.

Lake Havasu City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lake Havasu City, Arizona commute length is 19.5 minutes according to City-Data.

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Compare Lake Havasu City, Arizona Auto Insurance Quotes

Before you buy Lake Havasu City, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lake Havasu City, Arizona auto insurance quotes.

Free Auto Insurance Comparison

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

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