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How much is car insurance in Lake Havasu City?
|Area||Average Monthly Car Insurance Premium|
|Lake Havasu City||$37|
Auto insurance coverage in Lake Havasu City is about $25 cheaper than it is in the rest of Arizona.
Compared to the national average cost of auto insurance coverage, Lake Havasu City has lower rates. It's around $44 less to insure your vehicle compared to the average rate for the United States as a whole.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down the average rates for Lake Havasu City to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may begin to increase again in Lake Havasu City.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in Lake Havasu City is around $7 per month. Looking at the table above, you can see that female drivers pay around $33 on average, while male drivers typically pay $40 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Lake Havasu City, a driving record with one accident will usually get you a rate around $45 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $44 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$34|
|15 Years or Older||$33|
In terms of affordable coverage, the cheapest vehicles to insure in Lake Havasu City are typically SUVs, at $33 per month.
Truck and van drivers will see rates of about $35 for auto insurance, while car owners by and large pay around $38 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Lake Havasu City are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$39|
On average, those who are currently married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
In Lake Havasu City, the difference in rates based on relationship status can be as much as $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$57|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 less than drivers who own property in Lake Havasu City. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Lake Havasu City, AZ
Recent trends in car insurance for Lake Havasu City drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Lake Havasu City, the rates for auto insurance increased from 2017-2019, before steadying out in 2020. Car insurance rates finished down in 2022, at $34 per month
How does Lake Havasu City compare to neighboring areas?
Why are car insurance rates in Lake Havasu City different from other areas?
Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Area regulations
- Off-street parking access
- Crime rates
- Number of drivers
- Road Safety (frequency of car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Lake Havasu City?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Lake Havasu City.
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Lake Havasu City Insurance FAQs
What factors affect car insurance quotes in Lake Havasu City?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Lake Havasu City different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Lake Havasu City?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Lake Havasu City?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Lake Havasu City or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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