Arizona motorcycle insurance
Between Arizona Bike Week in Scottsdale, Buddy Stubbs Bike Week Bash in Phoenix, and Route 66 Bike Week in Golden Valley, there's no shortage of big-time motorcycle events in the state of Arizona. Progressive helps bikers throughout the Grand Canyon State ride protected with personalized coverage, plus plenty of discounts to help you save. Find out everything you need to know about motorcycle insurance in Arizona.
Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.
What are the minimum requirements for motorcycle insurance in Arizona?
Arizona motorcycle insurance laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won't cover damage to your own bike but may pay for injuries and property damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.
| Required coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$25,000 per person $50,000 per accident |
| Property damage liability | What it coversProperty damage you cause to others in an accident | Minimum amount$15,000 per accident |
Do you need comprehensive and collision coverage?
If you're financing or leasing your bike, comprehensive motorcycle coverage and collision motorcycle coverage are typically required by your lender. If your bike is paid in full, these coverages may still be a worthy option for protecting your investment against physical damage. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.
How much is motorcycle insurance in Arizona?
In 2023, the annual cost for a Progressive motorcycle insurance policy in Arizona with liability coverage only was $197.27.* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.
Pro tip:
Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.
What's the best motorcycle insurance in Arizona?
One in three insured motorcycle riders choose Progressive.** Whether you ride in Phoenix, Tucson, Scottsdale, Mesa, or anywhere else in Arizona, the best motorcycle insurance delivers dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Arizona for bikers so you can ride protected without hurting your wallet.
You can decrease the cost of motorcycle insurance in Arizona with motorcycle insurance discounts, such as:
- Multi-policy discount
- Motorcycle license/endorsement discount
- Advanced quote discount
- Safe and steady rider discount
- Association discount
Find out more ways to lower the cost of motorcycle insurance.
Additional motorcycle insurance coverages available in Arizona
For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:
- Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
- Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
- Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
- Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
- Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
- Roadside assistance: Covers the cost of towing your bike to the nearest repair shop
Learn more about motorcycle insurance coverages.
Quick facts for riding in Arizona
Lane filtering is legal in Arizona under certain conditions.
If you're 18 years or older, you're not required to wear a helmet, according to Arizona motorcycle law.
You must obtain a Class M license or motorcycle endorsement in addition to your driver's license to legally operate a motorcycle in Arizona.
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Enjoy life on two wheels with motorcycle insurance from Progressive
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