- Motorcycle Insurance Arizona: Best Rated companies
- Motorcycle Insurance Arizona: Best Liability Only Rates
- Motorcycle Insurance Arizona: Most Affordable Full Coverage Rates
- Motorcycle Insurance Arizona: Discount Opportunities!
- Motorcycle Insurance Arizona: Beautiful Places to Ride
- Motorcycle Insurance Arizona: Frequently Asked Questions
- INSURANCE SERVICES WE OFFER
Motorcycle Insurance Arizona: Best Rated companies
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
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.
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
| MAPFRE Insurance | 842 | A |
| Progressive Auto Insurance | 856 | A+ |
| Auto-Owners Insurance | 870 | A+ |
| USAA | 900 | A++ |
| Automobile Club Group | 857 | A++ |
| Allstate Auto Insurance | 853 | A+ |
| Amica Mutual | 898 | A+ |
| CSAA Insurance Group | 847 | A |
| Erie Insurance | 879 | A+ |
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 Arizona | Lowest 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 |
| Sierra Vista Southeast | $115.00 |
| Fountain Hills | $121.00 |
| 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 |
| 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 |
| Casa Grande | $123.00 |
| Anthem | $117.00 |
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 Arizona | Average 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 |
Motorcycle Insurance Arizona: Beautiful Places to Ride
- 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.
- Arizona’s 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
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.
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Last Updated on by Veronica Moss