Lake Havasu City, AZ Car Insurance

Residents of Lake Havasu City pay around $36 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Lake Havasu City area, read our guide below.
Are rates in Lake Havasu City higher or lower than those in neighboring areas? How do they compare to the rest of Arizona? What can Lake Havasu City residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Lake Havasu City?

Area Average Monthly Car Insurance Premium
Lake Havasu City$36
AZ$61
United States$80

Based on the chart above, you can see that coverage in Lake Havasu City typically costs about $25 a month less than it does in the rest of Arizona.

When stacked up against the national average, the average monthly policy payment for Lake Havasu City is more affordable. Car insurance rates for the United States as a whole are, on average, $44 more expensive than the rates you'd pay in Lake Havasu City.

Keep in mind that these are the average auto insurance rates for Lake Havasu City, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

We've broken down average rates for Lake Havasu City to help you understand what your policy's monthly premium will cost. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$76
18-24$71
25-34$33
35-44$30
45-54Not Enough Data
55-64$29
65+$34

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Lake Havasu City.

Average Car Insurance Rates by Gender

Gender Average
Male$40
Female$32

On average, female drivers pay slightly less for car insurance than their male counterparts. In Lake Havasu City, this difference shakes out to about $8 per month. As illustrated in the table above, male drivers in the area pay about $40 on average, while female drivers pay around $32 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$46
Multiple Accidents$91
1 Ticket$58
Multiple Tickets$118

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. Drivers in Lake Havasu City with a single accident on their record will usually see rates around $46 a month. Likewise, drivers with one ticket will be looking at a rate of around $58 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$34
2-3 Years$97
4-5 Years$44
6-7 Years$35
8-10 Years$36
11-14 Years$38
15 Years or Older$33

The most affordable vehicles to insure in Lake Havasu City are typically SUVs, which run about $33 per month.

SUV owners will see rates of about $33, while truck and van owners usually pay around $39 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. In Lake Havasu City, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$39
Married$30
Divorced$30
Widowed$43

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles 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
Own$36
Rent$35
Live with parents$57

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $1 less than homeowners in Lake Havasu City. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Lake Havasu City, AZ

Recent trends in car insurance for Lake Havasu City drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

Car insurance rates in Lake Havasu City rose from 2016-2019, before steadying out in 2020. They finished up in 2021, at $43 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 take in a number of factors when choosing how much individual insurance policies will cost. Many factors affecting your policy are based around where you park your car. These factors include things like:

  • Local regulations
  • Rate of car accidents
  • Area crime rates
  • Amount of drivers in the area
  • Off-street parking accessibility

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Lake Havasu City?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies providing policies in Lake Havasu City.

Compare the cheapest quotes from dozens of insurance companies

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 year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Lake Havasu City different from other neighboring cities?

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Lake Havasu City?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lake Havasu City?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Lake Havasu City or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes