Arizona Motorcycle Insurance

Find the Best Motorcycle Insurance Options in Arizona

There are about 280,071 registered motorcycles on the road in Arizona. Of all these bike owners, only about 1% will file a motorcycle insurance claim for an accident, which breaks down to about 2,801. However, having motorcycle insurance in Arizona is beneficial for numerous potential disasters, ranging from theft and vandalism to lawsuits and medical bills for injuries. Further, having only Arizona's motorcycle insurance requirements may not be enough coverage to fully protect you against all of these potential disasters.

Fortunately, an independent insurance agent in Arizona can help you get set up with all the coverage you need. They'll get you matched to the right motorcycle insurance policy. Until then, here's a breakdown of motorcycle insurance in Arizona. 

Best Motorcycle Insurance Companies in Arizona

Motorcycle insurance in Arizona is available from many different insurance companies. But depending on the carrier you go through, you might be able to get cheaper rates or better discount options. Some insurance companies have better coverage options overall. 

To help you get started with your motorcycle insurance hunt, we've put together a list of some of the best motorcycle insurance companies in Arizona.

• Progressive: Some of the cheapest motorcycle insurance in Arizona is available from Progressive. Rates for motorcycle insurance average just $22 per month or $264 per year for full coverage, which is considerably less than most other carriers in the state. Progressive also offers a ton of discount options, custom parts protection, enhanced injury protection, and roadside assistance coverage.
• Dairyland: Another great option for cheap motorcycle insurance in Arizona is Dairyland, which offers policies for an average of $27 per month or $324 per year. Dairyland also offers rental reimbursement coverage and roadside assistance coverage, though they do cost extra. But these coverages make Dairyland one of the best options for motorcycle insurance in Arizona for riders who use their bikes as everyday vehicles.
• USAA: Available for military members, veterans, and their families, motorcycle insurance from USAA is offered at a 5% discount compared to Progressive, the carrier through which USAA sells the coverage. That means you can get a policy for an average of just $21 per month or $252 per year. Not only does USAA offer great rates, it also has consistently excellent customer service ratings.

An independent insurance agent in Arizona can help you get matched to a motorcycle insurance policy from one of these top-rated carriers.

Is Motorcycle Insurance Required in Arizona?

As with car insurance, motorcycle insurance is required in Arizona. In this state, all motorcyclists are required to carry liability coverage. Motorcycle liability insurance is designed to cover any property damage or injuries you may cause to others if you're at fault for an accident while riding.

About two years ago, the minimum coverage requirements for motorcyclists in Arizona increased from 15/30/10 to 25/50/15. This means that your motorcycle insurance policy must meet or exceed the following coverage amounts:

• Bodily injury liability coverage per person: $25,000
• Bodily injury liability coverage per incident: $50,000
• Property damage liability coverage per incident: $15,000

Any other coverage you might want for your motorcycle is optional in Arizona.

What Does Arizona Motorcycle Insurance Cover?

Arizona motorcycle insurance laws dictate that only liability coverage in three amounts must be included in your policy. As long as your Arizona motorcycle insurance satisfies state requirements, you're legally able to ride on the road. 

However, you may not find these coverages to be enough. Arizona's state law mandates the following coverages be found in every rider's motorcycle insurance policy:

• Bodily injury liability coverage: This covers costs related to the medical treatment of bodily injuries you cause to a third party with your motorcycle.
• Property damage liability coverage: This covers costs related to any property damage you cause a third party with your motorcycle, such as to another vehicle or a signpost.

Optional Motorcycle Insurance Coverages in Arizona

There are many additional motorcycle coverage types that may be beneficial for you to add to your policy. For example, you may want to add collision coverage to help pay for repairs to your motorcycle if you're involved in an accident. Or, you may want custom parts coverage if you've made some upgrades to your bike. In addition to the mandatory liability coverage mentioned above, most insurance companies will offer a number of coverage options. These can include the following:

• Collision and comprehensive coverage: These products cover damage to your bike and are typically required by your lender if you are still paying for your motorcycle.
  • Collision coverage: Pays for damage to your bike from a collision with another driver, regardless of fault. 
  • Comprehensive coverage: Pays for damage to your bike due to a non-collision event such as a flood or theft. 
• Custom parts and equipment coverage: This can add to the assessed value of your motorcycle if you have upgraded it with customized accessories or equipment. That way, if your bike is totaled in a covered event, you will be compensated for the extra money you have put into it.
• Medical payments coverage: This can cover medical bills for any treatments needed by you and your passenger(s) if you're injured in a motorcycle accident, regardless of fault.
• Uninsured motorist coverage: This can cover your property damage and injuries if you get hit by an uninsured or underinsured driver or motorcyclist while on your bike. This can save you from the need to go through lengthy legal channels to get the compensation owed to you.
• Towing and roadside assistance coverage: This can cover the cost of assistance if your motorcycle becomes disabled while you're out on the road.
• Gap insurance: This can bridge the gap between what your bike is worth and what you still owe for it if it gets totaled in a covered event. This coverage is usually a good idea in the first year or two of new bike ownership when the value of your motorcycle depreciates fastest.

Be sure to review the details and costs of each of your various options. That way, you can make an informed decision about which coverages are a good fit for you.

How Much Does Motorcycle Insurance Cost in Arizona?

The average cost of motorcycle insurance in Arizona is $588 a year. Of course, rates are calculated individually, so this average can only give you a ballpark idea of what you might be expected to pay. 

Here are some factors that can influence how much your Arizona motorcycle insurance policy will cost:

• The value, make, model, and year of the motorcycle
• Your age and occupation
• Your years of riding experience and your traffic citation history
• The estimated number of miles you ride your bike each year
• The size of your deductible

If you take the time to contact a few competing insurance providers to request customized quotes, you can be sure that the policy you choose is offered at a good price. Independent insurance agents in Arizona can do this for you and make comparison shopping easy.

Arizona Motorcycle Insurance Cost by City

The city you live in in Arizona can impact your motorcycle insurance rates as well. Local traffic rates, theft rates, vehicle values, and more all go into your motorcycle insurance premium calculations. Depending on where you live, you might pay considerably more or less for coverage than you would in a different city. Here are some of Arizona's major cities and the average motorcycle insurance rates in each.

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Arizona Motorcycle Insurance Discounts

Many motorcycle insurance providers in Arizona offer motorcycle insurance discounts and incentives to their policyholders who qualify. You may be able to earn rate reductions by doing the following:

• Completing a certified motorcycle safety course
• Having a membership in a qualifying organization or riding association
• Being a homeowner
• Paying your annual premium in full
• Bundling your motorcycle insurance with other policies like car insurance, home insurance, or renters insurance

When you work with a good independent insurance agent who has your best interests at heart, you can rest assured that you're receiving all the discounts on motorcycle insurance in Arizona you're entitled to.

How to Get an Arizona Motorcycle Insurance Quote

Independent insurance agents in Arizona can be a great source of information when you're shopping for any type of insurance coverage. These agents work for you, not for a particular insurance provider, so they can request customized motorcycle insurance quotes from some of the best motorcycle insurance companies in Arizona.

There are hundreds of independent insurance agencies in Arizona, so it should be easy to find an experienced agent close to home. Arrange an obligation-free consultation with an independent insurance agent near you to learn more.

Arizona Motorcycle Insurance FAQs