Motorcycle Insurance in Arizona

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Contributor, Benzinga
October 10, 2021

Before you set off with engines a-blazing for an epic motorcycle ride through the Grand Canyon State, it's important to make sure you're covered with the best motorcycle insurance in Arizona. Not only does AZ have a high rate of uninsured motorists, motorcycle drivers in Arizona are required to have insurance unlike some other states, making not having the right coverage extra risky.

Fortunately, the state-required minimums are not too high, so motorcycle insurance in Arizona is an inexpensive and worthwhile investment. With that being said, you’ll want to make sure you’re getting the best possible coverage at an affordable rate, which is why we at Benzinga have done the work of researching the best companies that provide top-tier motorcycle insurance coverage that fits your needs and budget. 

The Best Motorcycle Insurance in AZ

Arizona Motorcycle Insurance State Minimums

Because prices for motorcycle insurance vary considerably according to specific formulas that are proprietary to each insurer, it can be difficult to determine the balance between cost and coverage.

It’s important to understand the basic level of coverage that’s required for motorcycle drivers to own, and then decide whether you want to add to that coverage. Below you’ll find the state minimum insurance requirements:

  • State minimum insurance requirements
    • $15,000 per person
    • $30,000 per incident for personal injuries caused
    • $10,000 for property damage
VOOM Motorcycle Insurance
Best For
  • Low mileage riders
securely through VOOM Motorcycle Insurance's website

Mile-by-Mile Motorcycle Insurance: VOOM

While it would be nice to hit the open road year-round, many motorcycle enthusiasts have to store their bikes for weeks and even months throughout the year. This can mean paying high insurance costs for your bike even when you’re unable to use it.

VOOM pay-per-mile motorcycle insurance offers a solution to this quandary. With VOOM, you’ll pay a low monthly base rate + a per mile rate based on your miles ridden. Your rate is determined by a few different factors, like the make and model of your motorcycle. Tracking your mileage is super easy with VOOM -- each month, you’ll submit a photo of your odometer, and that’s it. You don’t have to add a physical device or download an app to track your riding.

The offering does not require a physical device or mobile app to track mileage or behavior. Instead, riders must submit a photo of their odometers every month.

Managing your policy online is simple with VOOM. And riders can access a variety of other coverage options, too. Qualified riders may have the following coverage options available to them:

  • Liability coverage
  • Comprehensive coverage
  • Medical payments
  • Collision coverage
  • Uninsured motorist coverage
  • Accessory coverage 

VOOM is especially perfect for motorcyclists who ride occasionally or have to store their bike for long periods of time throughout the year due to seasonality or other factors. And if you’re a lover of short rides, VOOM will work for you, too. VOOM lets riders customize their insurance throughout the year and only pay for the time they ride.

VOOM is currently available to riders in Arizona, Illinois, Ohio and Indiana.

AZ Motorcycle Insurance Law Explained

As far as the legal requirements for insurance in Arizona goes, riders must have liability insurance. This type of insurance helps cover other people’s injuries and property damage if you are at fault in an accident. Keep in mind that liability insurance only covers injuries to other drivers.

If you want insurance coverage to help pay for your own medical bills and the damage to your bike, you’ll want to look into comprehensive coverage and collision coverage.

In addition, Arizona has one of the highest rates of uninsured motorists on the road — at 22% — making uninsured or underinsured motorist coverage highly recommended. 

AZ Motorcycle Traffic Laws You Should Know

Just as Arizona motorcycle drivers must follow the normal traffic rules of the road, there are also specific laws pertaining to motorcycle drivers.

  • All persons under the age of 18 must wear a motorcycle helmet
  • Motorcyclists must wear glasses, goggles or a transparent face shield
  • All motorcycles must have seat for driver and passengers
  • Headlamps are required
  • A class M motorcycle endorsement in required to operate a motorcycle in Arizona, much like most other states

AZ Motorcycle Insurance Rates per Bike

Harley Davidson bikes are one of the most popular types of motorcycle in America. The brand is  a symbol of pride for many riders. For sport bikes, Japanese brands like Kawasaki, Yamaha, Suzuki and Honda are all popular, owing to their extensive use in motorcycle racing tournaments. More traditional brands, like Ducati and BMW are also highly popular among motorcycle enthusiasts. 

If you drive a sportier bike with a greater emphasis on speed, you’ll likely pay more for your insurance because of the higher perceived risk. In addition, if you have a vintage bike or a bike with custom work or accessories, it may cost more to cover it. You may want to purchase additional insurance riders for these, which are added to your policy to provide for extra coverage for these specialized parts in case of an accident.

Motorcycle Insurance Quotes

Hit the Road with Confidence and the Best Motorcycle Coverage

Buying great motorcycle insurance isn’t rocket science. Wherever you live in Arizona, you can get the coverage you need at a rate that won’t break the bank. Plus, getting started is easy. You can get free, no-obligation quotes from each of the providers featured here, plus get coverage that’s tailored to your needs. 

For wherever life takes you, be prepared for the road ahead with the right insurance coverage at the right price, and ride with confidence!

Money-saving Motorcycle Insurance

Harley-Davidson Insurance Services provides services as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. The company stands behind its policies with industry-leading services, coverage and support. You’ll also get money-saving motorcycle insurance discounts and experienced customer service and claims support.