Motorcycle Insurance Arizona: Everything You Need to Know

If you’re a motorcycle owner in Arizona, it’s important to have proper insurance coverage. Not only is it required by law, but it also protects you financially in case of an accident. With so many options available, choosing the right policy can be overwhelming. In this article, we’ll guide you through everything you need to know about motorcycle insurance in Arizona.

What is Motorcycle Insurance?

Motorcycle insurance is a type of policy that provides financial protection to motorcycle owners in case of damage or loss caused by accidents, theft, or other unforeseen events. It can help cover the cost of repairs or replacement, medical bills, and liability claims if you’re found responsible for an accident.

Motorcycle insurance policies typically include the following coverage options:

Coverage Type
Covers damages and injuries to other people and their property if you’re at fault in an accident
Covers damage to your motorcycle caused by a collision with another vehicle or object
Covers damage to your motorcycle caused by non-collision events such as theft, vandalism, or weather
Uninsured/Underinsured Motorist
Covers you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for damages

Liability Coverage

Liability coverage is required by law in Arizona and is designed to protect other drivers and their property in case you’re found at fault for an accident. This type of coverage includes two types of protection:

Bodily Injury Liability

This coverage pays for medical expenses, lost wages, and other damages incurred by other drivers and their passengers if you’re at fault in an accident. Arizona’s minimum bodily injury liability coverage is $15,000 per person and $30,000 per accident.

Property Damage Liability

This coverage pays for damages to other drivers’ vehicles or other property if you’re at fault in an accident. Arizona’s minimum property damage liability coverage is $10,000.

How Much Motorcycle Insurance Do I Need?

The amount of motorcycle insurance you need depends on several factors, including your budget, the type of motorcycle you own, and your driving habits. At a minimum, you need to meet Arizona’s mandatory insurance requirements. However, it’s typically recommended that you purchase higher coverage limits to protect yourself financially in case of a serious accident.

When determining how much motorcycle insurance you need, consider the following:

Amount of Coverage

You should have enough coverage to protect you financially in case of a serious accident. This may include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.


The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Typically, the higher the deductible, the lower your monthly premium. However, keep in mind that you’ll need to pay the deductible if you get into an accident, so choose a deductible that you can comfortably afford.

How Much Does Motorcycle Insurance Cost in Arizona?

The cost of motorcycle insurance in Arizona varies depending on several factors, including your age, driving history, type of motorcycle, and the amount of coverage you need. On average, Arizona motorcycle insurance costs around $500-700 per year for basic coverage, but can be higher or lower depending on your individual circumstances.

Factors That Affect Motorcycle Insurance Rates

Some factors that can affect your motorcycle insurance rates in Arizona include:

  • Your age and driving history
  • The type of motorcycle you own and its value
  • Where you live and store your motorcycle
  • The amount of coverage you need
  • Other policy options or discounts you may qualify for


What is the minimum motorcycle insurance required in Arizona?

In Arizona, all motorcycle owners are required to have at least liability insurance with the following minimum limits:

  • $15,000 bodily injury liability coverage per person
  • $30,000 bodily injury liability coverage per accident
  • $10,000 property damage liability coverage per accident

Do I need uninsured/underinsured motorist coverage?

Uninsured/underinsured motorist coverage is not required in Arizona, but it’s typically recommended. This coverage can help protect you financially in case of an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for damages.

Can I get discounts on my motorcycle insurance?

Yes, many insurance companies offer discounts on motorcycle insurance. Some common discounts include safe rider discounts, multi-policy discounts, and discounts for completing a motorcycle safety course.

What happens if I don’t have motorcycle insurance in Arizona?

If you’re caught riding without insurance in Arizona, you may face serious consequences, including fines, license suspension, and even jail time in some cases. Additionally, if you’re found at fault in an accident and don’t have insurance, you’ll be personally responsible for paying for any damages or injuries to other drivers and their passengers.

How can I find the best motorcycle insurance in Arizona?

It’s important to shop around and compare quotes from multiple insurance companies to find the best policy for your needs and budget. Consider factors such as price, coverage options, deductibles, and any discounts or special features offered by the insurer.


Motorcycle insurance is an essential protection for any motorcycle owner in Arizona. By understanding your coverage options, determining how much coverage you need, and shopping around for the best rates, you can ensure that you’re properly protected in case of an accident. Remember, it’s always better to be safe than sorry when it comes to motorcycle insurance.