When shopping for motorcycle insurance Arizona, there are quite a few things to keep in mind. How much is motorcycle insurance in Arizona? Which is the best company overall? What are the rates you can expect to pay for motorcycle insurance for these companies? What is the minimum motorcycle insurance required by law? In this guide, you’ll find the answers to these questions and more. If you’re still looking for more insight into Arizona motorcycle insurance, then take a look at these tips for finding motorcycle insurance.
The Best Arizona Motorcycle Insurance Companies
- Geico – Best for Low Rates
- Progressive – Best for Safe Drivers
- Dairyland – Best for Discounts
- Harley Davidson Insurance – Best for Comprehensive Coverage
- Markel – Best for Coverage Add-ons
Motorcycle insurance companies come in many flavors, but some essential components are shared by all. At the core, they each must provide coverage in keeping with the minimum legal requirements for your state. It is in the ways that these motorcycle insurance companies go above and beyond this minimum that sets them apart or sets them behind. We looked at a multitude of Arizona motorcycle insurance companies and arrived at these five as the best.
These companies were selected by comparing real quotes for a thirty-five-year-old white male who is married, renting a home in Phoenix Arizona, who has a clean driving record, owns his motorcycle, has a motorcycle driver’s endorsement, has five years motorcycle driving experience, and has not taken any motorcycle safety courses. For the purpose of these quotes, the bike used was a 2019 Honda CMX 300 Rebel.
When obtaining a quote for you and your motorcycle, there will be some differences, but the provided rates can serve as a useful baseline. These premiums are based on using one-time payment options, as those are often the cheapest. When paying monthly, the rates go up.
|Company||Annual Premium||Best for|
|Harley Davidson||$324.88||Comprehensive Coverage|
Arizona Cities with the Cheapest Motorcycle Insurance
When looking for cheap motorcycle insurance Arizona, keep in mind that rates vary across the cities of Arizona. While the averages listed below are eerily close together, this can change from year to year and from policy to policy. When motorcycle insurance premium averages were compared and ranked by White Mountain Independent, this is the order of the cheapest ten cities in Arizona for motorcycle Insurance, from lowest to highest.
Beyond that, we have included some of the larger cities in Arizona using the same profile as above. We gathered estimates from each of our top-picked motorcycle insurers for the specified city and calculated the average premium amongst them. These premiums are based on monthly payment options and, in some cases, can be significantly lowered by one-time upfront payment options for the entire year. Keep in mind that the cheapest motorcycle insurance in Arizona may not be the best motorcycle insurance in Arizona.
|City||Annual Premium Average|
Minimum motorcycle insurance required in Arizona
All states have legally required minimum insurance laws for their motorists, and this includes Motorcycle drivers. At the minimum, motorcycle drivers in the state of Arizona must carry liability insurance. The purpose of this liability insurance is to assist in paying for property damage and injury costs for the other party in the case of an accident where you are at fault. In this regard, motorcycle insurance laws are very similar to other vehicle insurance minimum laws. As a motorcycle driver in Arizona, your liability coverage must have at least the following coverage.
- $15,000 bodily injury coverage per person
- $30,000 bodily injury coverage per accident
- $10,000 property damage coverage per accident
Arizona motorcycle laws
Many states have passed various traffic laws that are specific to motorcycles and motorcycle drivers. These are to protect the motorcycle driver as well as other vehicles and drivers on the road. Along with the rest of its state traffic laws, Arizona also has specific laws for motorcycles. While many of these laws may seem like common sense, it is always best to check and make sure that you and your vehicle are in compliance with local laws. Below are the Arizona traffic laws specific to motorcycles as listed by the Arizona Department of Public Safety.
- ARS 28-903: This law has three parts. The first part states that motorists may not deprive the use of a lane to a motorcycle. The second states that “a motorcyclist shall not pass another vehicle in the same lane of traffic, and the motorcyclist shall not split traffic lanes.” The third states that motorcyclists “shall not ride more than two abreast in traffic.”
- ARS 28-964: This law makes it so that anyone under the age of 18 must “wear a helmet while on a motorcycle” and must “wear glasses, goggles, or a transparent face shield while operating a motorcycle”. It also specifies further equipment that is “required on a motorcycle such as a rear-view mirror and a secure seat and footrests for both drivers and passengers.”
- ARS 28-955.01 and 28-955.02: These laws place standards for the exhaust system and the allowable noise level of a motorcycle.
- ARS 28-924.B: This law states that motorcycles must have operational headlamps.
- ARS 28-3101: This law specifies that the driver must have a motorcycle endorsement (Class M) to operate a motorcycle in the state limits.