Cheapest Auto Insurance in Lake Havasu City, Arizona (2025)

Overall, the average car insurance rate in Lake Havasu City is $83 per month, which is less than Arizona’s average of $126 per month. Lake Havasu City drivers likely experience lower premiums than drivers in other Arizona cities because it has fewer residents.

Lake Havasu City is home to about 57,000 people, which pales in comparison to Phoenix’s population of 1.6 million.1 A city with fewer residents usually means fewer car accidents, which contributes to cheaper car insurance rates.

Here’s what you need to know about finding cheap car insurance in Lake Havasu City.

3 of the cheapest car insurance companies in Lake Havasu City

The best car insurance company for you depends on your coverage needs and budget. Because insurers base rates on personal factors, what’s best for someone else may not be best for you, which is why it’s important to compare as many options as possible. 

If you live in Lake Havasu City, Auto-Owners, Mile Auto, and State Farm are excellent options for affordable auto insurance.

Best insurer for teen drivers: Auto-Owners

Best insurer for low-mileage drivers: Mile Auto

Best insurer for customer satisfaction: State Farm

How to get the cheapest car insurance in Lake Havasu City

Your auto insurance rates depend on various factors, such as your driving record, age, gender, coverage limits, vehicle type, and more. Here are some ways to get the best deal on your car insurance policy:

• Increase your deductible. Your deductible is what you pay before your insurance covers the rest. Choosing a higher deductible leads to lower premiums; just make sure you can afford the out-of-pocket costs if you file a claim.

• Compare quotes. Insurance companies offer different rates, so it’s a good idea to shop around with the top companies to find the best rates for you. Get quotes from at least three companies to compare your options.

• Seek discounts. The more car insurance discounts you qualify for, the more you save on your insurance coverage.

• Drive safely. Drivers without accidents, tickets, or violations on their records tend to pay the lowest car insurance rates.

Cheapest liability-only car insurance in Lake Havasu City: Mile Auto

Liability insurance covers the other person’s medical expenses and vehicle repairs if you cause a car accident. However, it doesn’t provide coverage for your injuries and car repairs.

Mile Auto offers the cheapest liability-only policies in Lake Havasu City, at $39 per month.

Take a look at other Lake Havasu City car insurance companies offering competitive quotes for liability insurance in the table below.

Cheapest full-coverage car insurance in Lake Havasu City: Mile Auto

While liability coverage protects the other driver in an at-fault accident, full-coverage insurance protects you, regardless of fault. Full coverage is a collection of add-on insurance options — like collision, comprehensive, and medical payments (MedPay) — that can pay for your medical bills and car repairs, even if you’re at fault in an accident.

Drivers with a new or classic car, frequent drivers, and drivers in high-traffic areas may benefit from buying this coverage.

Lake Havasu City drivers may find the cheapest full-coverage insurance with Mile Auto, with monthly rates as low as $67. 

Consider some of these insurance companies for an affordable full-coverage policy.

Car insurance requirements in Arizona

Arizona is an at-fault state, meaning your insurance covers the other party’s medical bills if you’re at fault in an accident. As of July 1, 2020, Arizona requires drivers to carry the following minimum insurance coverages:2

An at-fault car crash can run you thousands of dollars in liability expenses and motor vehicle repairs. Car insurance is a crucial financial tool to protect your assets in the event of an accident. 

Consider the following coverage options to increase your protection on the road:

Cheapest car insurance for drivers with an incident

Car insurance companies look at your driving record to determine your risk of filing an insurance claim and costing them money. When you have incidents like speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions on your driving record, it shows insurers that you’re a high-risk driver.

To offset this risk, auto insurance companies charge you more for coverage than someone with a clean driving record.

In Lake Havasu City, a speeding ticket increases average rates from $62 per month to $76 per month. But DUIs are serious convictions. After a DUI, insurers charge an average of $83 per month.

Here’s what car insurance companies in Lake Havasu City charge drivers on average, based on driving history.

Average cost of car insurance by age

Insurance companies use your age to evaluate your risk as a driver. Young adult and teen drivers pay the most expensive rates because they have little to no driving experience and pose the greatest risk of a claim. But as drivers reach their 30s, they may see cheaper rates as long as they keep a clean driving record.

Drivers could start to see their rates increase around age 70. Senior drivers may have age-related physical and mental declines that affect their driving abilities, so insurers may increase their rates slightly.3

The table below illustrates the cost of car insurance for different age groups.

Lake Havasu City car insurance quotes by credit tier

Arizona allows insurance companies to use your credit history to underwrite your insurance policy.4 Insurance companies believe that a driver’s credit correlates to their risk of filing a claim. In Arizona, drivers with excellent or good credit tend to pay cheaper rates, while drivers with poor credit pay more expensive rates.

Here’s how credit score affects car insurance quotes in Lake Havasu City.

Lake Havasu City car insurance FAQs