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Lake Havasu City Car Insurance

How much does car insurance cost in Lake Havasu City, AZ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Lake Havasu City?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Lake Havasu City typically pay around $72.09 per month compared to the national average of $135.26 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.26
Arizona $107.54
Lake Havasu City, Arizona $72.09

Lake Havasu City, AZ Best Car Insurance Companies

car insurance in Lake Havasu City

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Kemper Personal Insurance generally has the most affordable car insurance in Lake Havasu City coming in around $0.00 per month. Other companies to consider if you live in Lake Havasu City is Dairyland Scored with an average cost of $32.63 per month and Kemper Premium which typically runs around $53.50 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Lake Havasu City.

RankCompanyAverage Monthly RateComparison State Average
1 Kemper Personal Insurance $0.00-100.00%
2 Dairyland Scored $32.63-69.66%
3 Kemper Premium $53.50-50.25%
4 SAFECO $68.61-36.21%
5 Liberty Mutual $72.17-32.89%
6 Farm Bureau Mutual (IA Group) $73.17-31.96%
7 CSAA $75.93-29.40%
8 Ameriprise Group $77.80-27.66%
9 State Farm $81.47-24.24%
10 ACCC Insurance Company $86.70-19.39%

How Much is Car Insurance in Lake Havasu City, AZ?

how much is auto insurance in Lake Havasu City

Rates can vary from city to city. The residents of Glendale typically pay $122.89 per month while people who live in Lake Havasu City will pay $72.09 per month on average. See what people pay for car insurance in other cities in Arizona.

Arizona CitiesMonthly Average Rate
Glendale $122.89
Lake Havasu City $72.09
Mesa $108.55
Phoenix $120.35
Scottsdale $102.89
Tucson $97.56

Cheap Car Insurance in Lake Havasu City by Zip Codes

find cheap auto insurance in Lake Havasu City

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Lake Havasu City, AZ ZIP CodeAverage Monthly Rate
86403$68.00
86404$71.41
86405$100.17
86406$75.94

Car Insurance Rates by Driver's Age Group in Lake Havasu City

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $186.73 per month in Lake Havasu City. Compare that to drivers in their 30’s who typically pay around $66.09 per month drivers in their 40s at $41.40 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$186.73
20s$100.91
30s$66.09
40s$41.40
50s$44.60
60s$53.51
70+$60.68

Cheapest Insurance for Teenage Drivers in Lake Havasu City

If you are teen in Lake Havasu City you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, ACCC Insurance Company typically charges around $116.17 per month. This is likely the most affordable option in Lake Havasu City. You might also want to consider Country and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
ACCC Insurance Company$116.17
Country$118.00
State Farm$122.00
CSAA$123.17
Farm Bureau Mutual (IA Group)$130.33

Cheapest Insurance for 20 Year-olds in Lake Havasu City

20 year-olds in Lake Havasu City might want to consider CSAA who, on average, offers car insurance rates around $97.13 per month. Farm Bureau Mutual (IA Group), State Farm , Travelers and ACCC Insurance Company are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
CSAA$97.13
Farm Bureau Mutual (IA Group)$98.71
State Farm$120.59
Travelers$123.67
ACCC Insurance Company$124.23

Cheapest Insurance for 30 Year-olds in Lake Havasu City

If you are in your 30s in Lake Havasu City our research has found that Farm Bureau Mutual (IA Group) typically has the most affordable coverage coming in around $59.59 per month, followed by CSAA at $64.43 and Ameriprise Group at $67.45.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$59.59
CSAA$64.43
Ameriprise Group$67.45
State Farm$69.38
SAFECO$71.89

Cheapest Insurance for 40 Year-olds in Lake Havasu City

On average, Kemper Personal Insurance offers car insurance for 40 year-olds in Lake Havasu City for around $0.00 per month. If you are looking for affordable coverage, you may also want to consider Ameriprise Group or Dairyland Scored. The full list of top companies is below.

CompanyAverage Monthly Rate
Kemper Personal Insurance$0.00
Ameriprise Group$29.50
Dairyland Scored$32.63
State Farm$51.92
Nationwide$53.22

Cheapest Insurance for 50 Year-olds in Lake Havasu City

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Lake Havasu City we found that Farm Bureau Mutual (IA Group) generally offers the most affordable coverage at $49.98 per month.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$49.98
State Farm$56.23
CSAA$56.33
Ameriprise Group$59.00
Travelers$60.00

Cheapest Insurance for 60 Year-olds in Lake Havasu City

If you live in Lake Havasu City and you’re in your 60s, our data indicates that Farm Bureau Mutual (IA Group) usually has the best rates at $55.08 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$55.08
CSAA$65.61
USAA$66.58
SAFECO$69.09
ACCC Insurance Company$70.55

Driver's Coverage Auto Insurance Rates in Lake Havasu City, AZ

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Lake Havasu City, the average monthly rate for a driver who is currently insured is $64.53 while drivers who are not currently covered will pay around $88.92.

CoverageAverage Monthly Rate
Not Currently Insured $88.92
Currently Insured $64.53

Compare Recent Car Insurance Quotes in Lake Havasu City

auto insurance quotes in Lake Havasu City city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Lake Havasu City a driver of a 2009 Mitsubishi Lancer can expect to pay around $31.21 per month while someone that owns a 2013 Chevrolet Camaro may pay around $144.00 per month. Check out the list of recent quotes in Lake Havasu City below.

VehicleAverage Monthly Rate
2009 Mitsubishi Lancer$31.21
2013 Chevrolet Camaro$144.00
2012 Dodge Charger$120.46
2004 Honda Civic$61.37
1999 Buick Regal$113.18
2004 Chevrolet Impala$59.23
1993 Jeep Grand Cherokee$105.41
2014 Jeep Cherokee$66.42
2018 Chevrolet Colorado$78.46
1996 Chevrolet Blazer$68.98

FAQ's for Drivers in Lake Havasu City, AZ

driver’s frequently asked question in Lake Havasu City

What Is the Minimum Liability Coverage Requirement in Lake Havasu City, AZ?

Every state requires drivers to have a minimum amount of liability coverage. Arizona drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Coverage for serious or permanent injury or death to a single person
  • $30,000; Bodily injury coverage for two or more people; Coverage for serious or permanent injury or death to two or more people in a single accident
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Arizona mandates that all motor vehicles operated on roadways be covered by liability insurance through a company authorized to do business in the state. This requirement also pertains to motorcycles, golf carts, and mopeds. Minimum insurance levels in Arizona are $15,000 of bodily injury for one person and $30,000 for two or more people in an accident. The state also requires $10,000 of property damage liability.

What Is the Blood Alcohol Concentration (BAC) limit in Lake Havasu City, AZ?

It is against the law for anyone to operate a motor vehicle in Arizona with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

Any at under 21 years old

Arizona is a “no-tolerance” state regarding underage drinking; any positive reading, no matter how low the BAC percentage, is grounds for a DUI charge.

The Arizona Motor Vehicle Division classified DUIs by BAC, with a standard DUI requiring a BAC of 0.08% and an extreme DUI requiring a BAC of 0.15%.

Does Arizona allow the use of digital insurance cards?

Yes! Arizona motorists can use digital insurance cards as proof of appropriate coverage when pulled over or for any reason. Most carriers offer this option these days but check with yours to confirm.

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Commute Time in Lake Havasu City, AZ

20.8 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Lake Havasu City, AZ

224

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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