Axiom Insurance Agency
2119 Mcculloch Boulevard North, Lake Havasu City, AZ 86403
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2119 Mcculloch Boulevard North, Lake Havasu City, AZ 86403
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3000 Caravan Dr, Lake Havasu City, AZ 86404
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1979 McCulloch Blvd N, STE 105, Lake Havasu City, AZ 86403
View this agency's profile to learn more about their services.
2119 McCulloch Blvd N, Lake Havasu City, AZ 86403
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lake Havasu City residents.
Lake Havasu City has AZ's lowest auto insurance at $96/mo. Learn about home, flood, and watercraft coverage for Colorado River living in 2026.
Home InsuranceLake Havasu City home insurance averages $532-$722/year. Learn about monsoon risks, flood coverage for waterfront properties, and extreme heat considerations.
Car InsuranceLake Havasu City drivers need more than Arizona's 25/50/15 minimums. Learn about at-fault rules, AZ-95 risks, and average rates around $83/month.
Lake Havasu City has the lowest auto insurance rates in Arizona because of its smaller population—about 58,000 residents compared to Phoenix's 1.6 million. Fewer drivers on the road means statistically fewer accidents, which translates to lower premiums. Full coverage averages just $96 per month here versus $181 in Phoenix, saving residents over $1,000 annually.
While recent FEMA map updates removed 949 parcels from high-risk flood zones in north Lake Havasu, flood insurance is still worth considering. Mohave County has the potential for major flooding events during monsoon season, and standard homeowners policies don't cover flood damage. At an average cost of $650 per year, flood insurance provides valuable protection even outside designated flood zones.
Arizona requires 25/50/15 liability coverage: $25,000 for bodily injury per person, $50,000 total per accident, and $15,000 for property damage. However, these minimums are low and may not cover serious accidents. Experts recommend increasing limits to at least 100/300/100 and adding uninsured motorist coverage, especially during high-traffic tourist seasons.
Standard homeowners policies provide only limited coverage for watercraft—typically just small boats with low-horsepower motors. If you own a larger boat, jet ski, or personal watercraft, you'll need separate boat insurance. Given Lake Havasu's water recreation culture, discuss watercraft coverage specifically with your insurance agent.
Bundling auto and home insurance typically saves 15-25% on your combined premiums. Many local Lake Havasu insurance agencies specialize in multi-policy discounts. Given the city's already low auto insurance rates, bundling can lead to significant annual savings while simplifying your insurance management.
Yes, with a median age of 55.7 years, Lake Havasu has a significant senior population that often qualifies for insurance discounts. Many insurers offer senior driver discounts, mature driver course credits, and retiree rates. Additionally, Medicare Advantage plans in Lake Havasu average just $38.61 per month, with eight plans offering $0 premiums.
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