Tito Bucheli


March 1, 2024

Edited By

Fausto Bucheli Jr
Image Credit: Pixabay

Cruising down the open road on your motorcycle feels like pure freedom. But before you hit the pavement in Arizona, securing the right motorcycle insurance is crucial. This guide will help you navigate your way to affordable insurance coverage, ensuring you’re protected without breaking the bank.

Key Takeaways:

  • Motorcycle insurance is mandatory in Arizona and covers bodily injury, property damage, and comprehensive/collision (optional).
  • The average cost of motorcycle insurance in Arizona is $750 for liability and $1200 for full coverage, but it can vary depending on several factors.
  • To find the cheapest motorcycle insurance: compare quotes, take advantage of discounts (safe riding record, safety courses, bundling), strategically increase your deductible, consider usage-based insurance, and negotiate your rate.
  • To save even more: embrace safe riding habits, invest in safety gear, take additional safety courses, and optimize your motorcycle’s security.
  • While affordability is important, don’t compromise on essential coverages. Consider your risk tolerance and financial situation when choosing liability limits and additional coverages.

Is Motorcycle Insurance Even Required in Arizona? 

Yes, motorcycle insurance is mandatory in Arizona. The state requires all motorcycle operators to carry minimum liability coverage, which includes:

  • Bodily Injury Liability: This covers medical expenses and lost wages of others you injure in an accident, up to the policy limits. Arizona requires a minimum of $25,000 per person and $50,000 per accident.
  • Property Damage Liability: This covers the damage you cause to the property of others in an accident, up to the policy limit. Arizona requires a minimum of $10,000.

While liability insurance is mandatory, other coverages like comprehensive and collision are optional. However, these can provide valuable protection in case of theft, vandalism, or damage to your own motorcycle.

How Much Does Motorcycle Insurance Typically Cost in Arizona?

The exact cost of motorcycle insurance in Arizona varies depending on several factors. However, according to ValuePenguin the average motorcycle insurance premium in Arizona is around $750 per year for liability coverage and around $1,200 per year for full motorcycle insurance coverage (liability, comprehensive, and collision).

What Factors Affect the Cost of Inexpensive Motorcycle Insurance in Arizona? 

Several factors influence the cost of motorcycle insurance in Arizona. Understanding these factors can help you make informed decisions and find ways to secure more affordable coverage.

Rider Profile

  • Age: Younger riders generally pay more due to their statistically higher risk of accidents.
  • Experience: Riders with more experience and a clean driving record typically receive lower rates.
  • Safety Courses: Completing a Motorcycle Safety Foundation (MSF) Basic RiderCourse can qualify you for discounts. In Arizona, organizations like¬†Team Arizona¬†offer several courses.
  • Driving Record: Traffic violations and accidents can significantly increase your premium.

Motorcycle Characteristics

  • Engine Size: Larger engine motorcycles are generally more expensive to insure.
  • Safety Features: Motorcycles equipped with anti-lock brakes (ABS) and other safety features may qualify for discounts.
  • Value:¬†The value of your motorcycle¬†directly impacts the cost of comprehensive and collision motorcycle insurance coverage.

Coverage Selection

  • Liability Limits: Higher liability limits result in higher motorcycle insurance premiums, but ensure more financial protection.
  • Deductibles: Choosing a higher deductible lowers your motorcycle insurance premium but increases the amount you pay out-of-pocket in the event of a claim.


  • Mileage: Riders who use their motorcycles more frequently may pay more.
  • Storage Location: Storing your motorcycle in a secure location like a garage can earn you discounts.
Top Strategies for Finding Inexpensive Motorcycle Insurance in Arizona 

Now that you understand the factors affecting your motorcycle insurance cost, here are some actionable strategies to secure affordable coverage, with additional details and insights to help you navigate the process effectively:

Shop Around and Compare Motorcycle Insurance Quotes

Don’t settle for convenience:¬†Compare online motorcycle insurance quotes¬†and consider contacting independent insurance agents and brokers.

Compare apples to apples: When comparing motorcycle insurance quotes, ensure you’re comparing motorcycle insurance with the same coverage limits and deductibles.

Ask about additional discounts: Don’t hesitate to ask for discounts that can qualify you for cheap motorcycle insurance.

Take Advantage of Discounts

Most insurance companies offer a variety of insurance discounts. Some of these may include:

Maintain a clean driving record: This is the most significant factor influencing your affordable motorcycle insurance rates, so prioritize safe riding habits and address any traffic violations promptly.

Explore motorcycle safety courses: Consider taking an advanced rider course beyond the MSF Basic RiderCourse, as some companies offer additional discounts for these.

Bundle your insurance: If you have Arizona car insurance, homeowners insurance, or renters insurance, consider bundling your motorcycle insurance with the same company to potentially qualify for a multi-policy discount.

Join motorcycle organizations:
Membership in organizations like the American Motorcyclist Association (AMA) or Harley Owners Group (HOG) can sometimes unlock exclusive discounts.

Consider Usage-Based Insurance (UBI):

Understand the terms: UBI programs track your riding habits (mileage, time of day, location) and adjust your premium accordingly.

Evaluate your riding habits: If you ride infrequently or primarily during low-risk times, UBI can potentially offer significant savings.

UBI programs: Utilizing telematics devices that collect your riding data that can insure you pay the accurate motorcycle insurance for how much you ride your motorcycle.

Image Credit: Pixabay


Can You Save Even More on Inexpensive Motorcycle Insurance in Arizona? 

Optimize your motorcycle’s security:

  • Store your motorcycle securely: Keeping your motorcycle in a locked garage or a secure storage facility reduces the risk of theft and can lead to lower motorcycle insurance premiums from insurance companies.
  • Install security features: Consider installing anti-theft devices like alarms, tracking systems, and immobilizers. These deter theft attempts and may qualify you for discounts from motorcycle insurers.

Additional Considerations for Inexpensive Motorcycle Insurance 

While finding affordable motorcycle insurance is crucial, it’s vital not to compromise on essential coverages solely to save money. Here are some additional considerations:

  • Liability limits: Arizona’s minimum requirements are $25,000/$50,000/$10,000. However, consider your financial situation and potential risks. If you have significant assets or ride frequently, higher motorcycle insurance liability limits might be advisable to protect yourself from financial hardship in case of a serious accident.
  • Comprehensive and collision motorcycle insurance coverage: While optional, these coverages can be invaluable if your motorcycle is stolen, vandalized, or damaged in an accident (not your fault). Consider the value of your motorcycle and your risk tolerance when deciding on these insurance coverages.
  • Add-on insurance coverages: Additional inexpensive motorcycle insurance coverages like medical paymentspersonal injury protection (PIP), and roadside assistance can provide valuable protection for a minimal cost. Consult with a motorcycle insurance agent to ensure you have the right protection in place. 

Resources for Finding Cheap Motorcycle Insurance in Arizona

Here are some resources to help you the find the cheapest motorcycle insurance in Arizona:

  • Insurance company websites: Many major insurance companies offer motorcycle insurance online quote tools, allowing you to compare motorcycle insurance rates and coverage options conveniently.
  • Independent insurance agents and brokers: These professionals can represent multiple insurance companies and help you shop around for the best motorcycle insurance rates and coverage options.
  • Online motorcycle insurance marketplaces: These platforms allow you to compare motorcycle insurance quotes from multiple insurance companies in one place.
  • Motorcycle associations and organizations: Some organizations offer motorcycle insurance programs or partner with specific motorcycle insurance companies to provide discounts to their members.

Spending time researching and comparing motorcycle insurance options can lower your motorcycle insurance costs. By following these tips, you can secure affordable motorcycle insurance coverages that provides you with the best motorcycle insurance protection you need to enjoy the open road with peace of mind.