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MOTORCYCLE INSURANCE ARIZONA

In Arizona, the minimum liability-only coverage requirement for all motor vehicles is 25/50/15. This means your motorcycle insurance in Arizona should have liability limits of at least $25,000 for bodily injury per person, with a total of $50,000 per accident and $15,000 for property damage liability coverage

Motorcycle Insurance Arizona: Best Rated companies

If you need a motorcycle insurance policy in Arizona, it can be very helpful to research some of the best, top rated insurance companies that offer motorcycle insurance. The best motorcycle insurance companies should offer a good balance between coverage options, plenty of discounts, and a good financial rating. See the data below to check out good ratings for companies in Arizona.

COMPANYJ.D. POWER CLAIMSA.M. BEST RATING
MAPFRE Insurance842A
Progressive Auto Insurance856A+
Auto-Owners Insurance870A+
USAA900A++
Automobile Club Group857A++
Allstate Auto Insurance853A+
Amica Mutual898A+
CSAA Insurance Group847A
Erie Insurance879A+

Motorcycle Insurance Arizona: Best Liability Only Rates

When you call your insurance agent for a motorcycle quote, you will most likely hear them ask the question: Liability only or full coverage?

What exactly is liability insurance?

This is the portion of your insurance that covers your financial responsibility for bodily injury and property damage to the other person in the event of an accident you are AT-FAULT for.

If you have liability only, you are typically not covered for injuries or damages to yourself or your own property.

If you want that type of coverage, this is when you should start looking into other add-ons such as medical payments or personal injury protection, comprehensive, or collision coverage.

Some states require personal injury or medical payments to be added on as part of your liability coverage, however Arizona does NOT require either of these.

So why would anyone want liability coverage only if it’s such little coverage?

For starters, it can be much more affordable. If you are struggling financially and need the bare bones of insurance simply to be able to drive legally, it can be a good starting point. The longer you have insurance coverage without a lapse, and the more you build up good credit, eventually the rates for full coverage won’t be so bad.

Additionally, if your motorcycle is older (at least 10 years old) full coverage insurance isn’t always worth it.

Lastly, if you don’t own a vehicle at all but at times need to borrow one, liability only written as a non-owners policy could be a good option for you.

Take a look at the chart below and see if you can find your city to get a good idea of what you might pay annually for your liability only rates.

City in ArizonaLowest Avg. Liability Rates
Bullhead City$113.00
Maricopa$108.00
Cottonwood city$131.00
Peoria$119.00
Lake Havasu City$134.00
Glendale$113.00
Catalina Foothills$123.00
Payson$135.00
Scottsdale$116.00
Flagstaff$126.00
Sun City$104.00
Sierra Vista$135.00
Apache Junction$110.00
Picture Rocks$100.00
Marana$125.00
New Kingman-Butler$105.00
Phoenix$97.00
Show Low$119.00
Kingman$117.00
Fortuna Foothills$135.00
Sierra Vista Southeast$115.00
Tempe$130.00
Oro Valley$117.00
Fountain Hills$121.00
Coolidge$125.00
Surprise$111.00
Gold Canyon$119.00
Goodyear$122.00
Flowing Wells$134.00
Florence$116.00
Drexel Heights$123.00
San Luis$114.00
San Tan Valley$115.00
Rio Rico$129.00
New River$128.00
Vail$132.00
Fort Mohave$119.00
Casas Adobes$108.00
Sun Lakes$111.00
Camp Verde$117.00
Safford$112.00
Winslow$101.00
Prescott$112.00
Chino Valley$114.00
Tanque Verde$127.00
Douglas$118.00
Tuba City$114.00
Eloy$97.00
Nogales$124.00
Tucson$128.00
Casa Grande$123.00
Anthem$117.00
Verde Village$105.00
Arizona City$124.00
Yuma$130.00
Golden Valley$128.00
Green Valley$96.00
Sun City West$118.00
El Mirage$131.00
Paradise Valley$109.00
Mesa$116.00
Avondale$127.00
Motorcycle Insurance Arizona: Average Liability only rates by city (Annual rates)

Motorcycle Insurance Arizona: Most Affordable Full Coverage Rates

Do you have a brand spanking new Harley-Davidson, with custom parts, and all of the bells and whistles?

Then you will most likely want (or even be required by your lienholder) much more coverage than what the state of Arizona requires.

This is where comprehensive and collision coverage comes in.

Comprehensive and collision added to your liability coverage is what creates “full coverage” insurance. This will help pay for damages done to your motorcycle.

Your insurance agent will ask you what kind of deductible you want to set, which aside from any lienholder requirements, is completely up to you. Remember, the higher your deductible, the lower your monthly payments will be…but you will pay more out of pocket at the time of a claim. The lower your deductible, the higher your monthly payment will be.

Even if there is no requirement for you to have full coverage, you might be surprised at how affordable it is. See if it might be worth it for you to upgrade your coverage in your city.

City in ArizonaAverage Full Coverage Rate
El Mirage$226
Flowing Wells$240
Chandler$227
Scottsdale$191
Glendale$207
Douglas$214
Sedona$200
Marana$217
Drexel Heights$237
Sun City West$227
Tanque Verde$221
Phoenix$212
Cottonwood city$221
Anthem$189
Tempe$195
Avondale$190
Gilbert$229
Sierra Vista Southeast$216
Surprise$222
Fountain Hills$220
Golden Valley$190
Vail$209
Tucson Estates$214
Verde Village$212
Paradise Valley$192
Green Valley$222
Florence$220
Corona de Tucson$218
Show Low$225
Flagstaff$181
Sahuarita$231
Valencia West$182
Sun City$211
Queen Creek$240
Sierra Vista$213
Coolidge$236
Yuma$235
Goodyear$238
Mesa$176
Picture Rocks$238
Arizona City$209
Camp Verde$237
San Luis$236
Winslow$194
Rio Rico$219
Catalina$222
Eloy$179
Kingman$186
Fort Mohave$179
Somerton$177
Buckeye$220
Peoria$185
Catalina Foothills$177
Lake Havasu City$198
San Tan Valley$230
Chino Valley$209
Maricopa$222
Oro Valley$195
Gold Canyon$231
Prescott Valley$177
Safford$190
Bullhead City$224
Casa Grande$207
Nogales$235
New Kingman-Butler$180
Prescott$215
Sun Lakes$182
New River$210
Casas Adobes$204
Saddlebrooke$195
Apache Junction$192
Tucson$240
Tuba City$178

Motorcycle Insurance Arizona: Discount Opportunities!

MC Endorsement on License
Operator’s Education Course
vehicle usage & Mileage
Motorcycle Rider Group Discount
approved safety course
prior insurance
Multi Lines Discount
LoJack device
PIF Discount
Continuous Insurance Discount
prompt payment
Operators Safety Course
advanced quote
HOG Discount
Homeownership Discount
Garaged or locked storage
association membership
Anti lock brakes
Married discount
paperless
education discount
Your motorcycle insurance in Arizona can be even cheaper if you qualify for any of these discounts. Be sure to ask your agent about them now!

Motorcycle Insurance Arizona: Beautiful Places to Ride

Motorcycle insurance Liberty
  • If you own a motorcycle and live in Arizona, surely one of your favorite things to do is explore Arizona’s beautiful sights.
  • Just to name a few, Bull Creek Pass National Back Country will not disappoint. This area stretches through 68 miles through the Henry mountains and boasts beautiful canyons, cliffs, and breathtaking alpine mountains.
  • If you are looking for some desert vibes, check out Ajo mountain drive. This is a 21-mile drive along these mountains. Here you will take in fascinating desert views, and utterly amazing organ pipe cacti.
  • If you are looking for a drive, and some activity check out the Bienville Trace Scenic Byway. This stroll will take you to places like the Caddo-Pine Island Museum, and the Germantown museum.
  • Arizonas Motorcycle Coverages
  • Now that we have covered where to go, let us see what coverage is required in the state of Arizona. It is illegal to drive a motorcycle without Insurance in Arizona.
  • So, what coverage should you be looking for to protect yourself, others and insure your bike? Who should you call first for a quote?
  • Most prospects looking for insurance highly recommended Progressive for the quality, options, and customer service. Some say they have the best motorcycle insurance in the state! As well as purchasing standard insurance for your bike, you have the options to add the following coverages: total loss protection for motorcycles less than one year old, roadside assistance, original parts (or equipment) coverage, and enhanced injury protection that offers impressive protection if you are injured on your bike.
  • You should be looking for 3 main things when purchasing your insurance for your bike. The price should be competitive, there should be a wide variety of coverage options, and the customer service should meet your needs implicitly. The cost is often the most important part of buying new insurance to consumers. Always keep in mind you get what you pay for. Looking for Motorcycle Insurance Arizona give us a call.
  • If you’re looking for additional discounts to save on your motorcycle insurance, consider bundling your auto and home for a bundle discount in Arizona.

Motorcycle Insurance Arizona: Frequently Asked Questions

motorcycle insurance arizona

Is motorcycle insurance required in AZ?

Yes. At the very least, you must have the state minimum liability coverage required by Arizona which is $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage.

What is considered full coverage in Arizona?

Don’t be fooled by the term “full coverage.” It’s not an all encompassing insurance policy. It simply means that you have added comprehensive and collision to your policy. If you want or need roadside and rental coverage, you need to make sure you add that by request.

Are motorcycles cheaper to insure in AZ?

Motorcycles are cheaper to insure than cars, in almost all states. This is because motorcycles are cheaper in value than your average automobile.

Other Arizona Insurance Guides
Auto Insurance: Arizona
SR22 Insurance in Arizona
Homeowners Insurance Arizona

Last Updated on by Marlon Moss