It’s crucial to confirm that you have the best motorcycle insurance in Arizona before you embark on that amazing motorcycle ride across the state. In addition to having a high percentage of uninsured drivers, Arizona requires motorcycle riders to carry insurance, unlike some other states, which increases the danger of not having the proper coverage.
This is why Business Yield will show you the best companies that provide the best and cheapest motorcycle insurance coverage in Arizona.
What is Motorcycle Insurance?
Motorcycle insurance covers injuries you sustain yourself, bike damage, and damage you do to other people, depending on the policy. The majority of states mandate motorcycle insurance, and annual rates can run from a few hundred to several thousand dollars, depending on the rider, the bike, and the jurisdiction.
Continue reading to find out more about the top motorcycle insurance providers, whether you currently have coverage or are looking to switch.
Motorcycle Insurance Arizona Coverage Options
For many kinds of motorcycles, there are numerous coverage options available.
You can choose between liability-only and full coverage with a variety of add-ons, including rental reimbursement and bespoke part protection. Most riders believe that Arizona’s minimum insurance standards are insufficient. For this reason, a lot of clients get in touch with us in search of more comprehensive plans and more coverage at a price that still works.
Among these plans and add-ons are:
- Roadside Assistance Coverage
- Custom Part Protection
- Accessories Coverage
- OEM Part Replacement Coverage
- Rental Reimbursement
- Total Loss Coverage
- Collision Coverage
- Comprehensive Coverage
- Bodily Injury Liability Coverage
- Enhanced Injury Protection
- Uninsured/Under-Insured Motorist Coverage
- Medical Payment Coverage
- Property Damage Liability Coverage
Note that Arizona’s minimum liability insurance provides coverage for both property damage and personal harm.
Arizona Motorcycle Insurance requirements
In Arizona, having motorcycle insurance is required by state law. It is imperative that all riders are aware of the bare minimum coverage needed to safeguard against future financial hazards and legal ramifications.
Arizona’s minimum requirements for motorbike insurance are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Note that your costs will vary depending on a number of circumstances, regardless of whether you choose a minimal coverage plan or a comprehensive plan with many insurance add-ons.
Additionally, the price of motorcycle insurance in Arizona varies according to your age, gender, riding history, accident history, bike model, riding habits, and residential location.
Best Motorcycle Insurance Arizona
#1. Progressive
Progressive provides accident forgiveness benefits on your motorcycle insurance policy, guaranteeing that if you submit a claim for less than $500, your premiums won’t go up.
Pros
- They pardon claims under $500.
- Receive $3,000 for any harm done to the accessories, upgrades, and customizations.
- The deductible disappears to $0.
- It covers carry-on luggage and full replacement costs.
Cons:
- It has a low rating for customer satisfaction.
- Not all fifty states give every discount that is offered.
#2. Harley-Davidson
The finest motorcycle insurance provider for novice riders is Harley-Davidson. Harley-Davidson provides one-stop shopping for insurance, bike loans, and extended service plans if this is your first motorcycle.
Pros
- Plans for prolonged service and financing
- long list of motorcycle kinds that are covered
- Replacement cost of optional equipment for overall losses
- Discounts for law enforcement, veterans, and active-duty personnel
Cons
- Coverage is not accessible in Washington, D.C., Alaska, or Hawaii.
- It only provides insurance for motorcycles.
#3. Foremost:
Foremost is the only insurance provider on our list that will cover track riders; thus, it is our choice for the best motorbike insurance provider for them. In the event of an accident, while a motorcycle is being raced, track day coverage will cover replacement or repair costs.
Pros
- With Plus and Elite services, you can track replacement costs and day coverage.
- First-accident forgiveness, coverage for optional equipment, and coverage for safety gear and helmets
- Many savings, such as preferred operator, locked storage, and lay-up
Cons:
- Limited hours for customer service
- It does not offer insurance online.
#4. Markel:
Markel is the best motorcycle insurance provider for mechanical failures. This is because it is the only company on our list that pays for component repairs even when the failure isn’t caused by a collision.
Pros
- It includes coverage for mechanical issues unrelated to crashes.
- It includes comprehensive and collision coverage for $1,000 in accessories.
- Option to pardon accidents for first at-fault loss following four years without an accident
- Optional funeral costs, trailer reimbursement, and rental reimbursement coverage
- Simply by moving to Markel insurance, you can save 10%.
Cons
- Not accessible in North Carolina or California
- Not a mobile application
- No savings on several policies
#5. Nationwide
The best motorcycle insurance for collectors is Nationwide because of its high coverage maximums and ability to add up to 12 specialty bikes to a single policy.
Pros
- It offers coverage for custom bikes and trikes up to $50,000.
- It covers historical scooters and motorbikes produced prior to 1974.
- Every year you drive safely, and up to $500, you can reduce your deductible by $100.
- The endorsement of the original equipment manufacturer guarantees that new components from the original manufacturer are used to repair your bike.
- Classic motorcycle insurance includes coverage for motorcycle clothing.
Cons
- Only vehicles under ten years old are eligible for original factory components.
- It has fewer discounts than those of comparable businesses
#6. Safeco:
Safeco is the only insurer we could find that offers coverage for DIY and kit motorbikes; it is our top choice for motorcycle insurance.
Pros
- It includes several custom and kit bikes.
- Included with comprehensive and collision coverage are manufacturer components.
- It provides a replacement cost provision for Harley-Davidson.
- Savings for completing a recognized motorcycle safety course
Cons
- It gives just four reductions.
- Quotes can only be obtained by using an agent.
- There are a few deals available.
Cheap Motorcycle Insurance Arizona
Cheapest Liability-Only Motorcycle Insurance Quotes in Arizona
In Arizona, the average lowest-cost providers of liability-only motorcycle insurance for skilled riders are:
- Progression: $76 annually
- Markel: $81 annually.
Note that Progressive, the least expensive provider, has rates that are 40.4% less than those of Harley-Davidson, the most expensive one.
Cheapest Full Coverage Motorcycle Insurance Quotes in Arizona
Riders should get a full-coverage policy for complete protection. They will be protected by this plan from non-collision events, including theft, vandalism, and fire, as well as accidents.
According to statistics from MoneyGeek, the following companies offer the most affordable motorcycle insurance in Arizona on average for a skilled rider who wants a full coverage policy with 50/100/25 coverage and a $500 deductible:
- Dairyland: $246 annually.
- Progression: $262 annually
Note that Dairyland, the least expensive carrier, has prices that are 56.5% less than those of Nationwide, the most expensive carrier. It is probably necessary for customers who are paying off their motorcycles to get complete coverage.
Geico Motorcycle Insurance
If you ride a motorcycle, you should get a free online quotation from GEICO for motorcycle insurance to see how much you may save on a new policy. They provide excellent coverage and reasonable motorcycle insurance prices for all types of bikes, including sport bikes, cruisers, mopeds, touring bikes, and normal rides. We also provide insurance for scooters and ATVs.
How much does it cost to insure a motorcycle in Arizona?
Based on data collected from publicly accessible sources, the average cost of motorbike insurance in Arizona is $810. The state’s average cost is more than the $702 federal average.
What is the minimum motorcycle insurance in Arizona?
In order to shield other people from harm or injury, Arizona mandates that all motorcycle riders have liability insurance. You must provide proof of liability insurance that either meets or exceeds the following minimum coverage amounts in order to ride a motorcycle legally:
- $25,000 for each individual’s physical harm.
- $50,000 in total physical harm for each incident.
What are the pros of owning a motorcycle?
Not all motorcycle riding is about looking good, but it certainly helps. In addition, motorcycles are reasonably priced, very convenient, and require little upkeep. Some benefits of owning a motorcycle are as follows:
- Motorcycle operating costs are Lower
- Parking a motorcycle is easier.
- Motorcycles make good traffic vehicles.
What are the cons of owning a motorcycle?
Owning a motorcycle has numerous advantages, but it also has certain drawbacks. These are:
- A motorcycle is hard to tow.
- That’s not good weather for motorcycles.
- Riders on motorcycles are more often accused of careless driving.
Is it worth getting full coverage on a motorcycle?
The value of your motorcycle and your ability to fix any issues yourself will ultimately determine whether or not full-coverage motorcycle insurance is worthwhile. Obtaining comprehensive coverage makes sense if you ride a brand-new, high-priced bike and possess little mechanical knowledge.
Which company has the cheapest car insurance in Arizona?
Progressive offers liability-only coverage at the lowest rate, averaging $76 per year. At $246 per year on average, Dairyland is the cheapest provider for full coverage.
How much does motorcycle insurance cost for most riders in Arizona?
A liability-only policy will cost riders in Arizona an average of $103 a year, while comprehensive coverage will cost them $380 annually.
Which company is the best motorcycle insurance provider in Arizona?
Progressive has the highest ratings among all motorbike insurance providers in Arizona.
Do you need motorcycle insurance in Arizona?
In Arizona, motorcyclists are required to carry motorcycle insurance.
Is it cheaper to insure a motorcycle than a car?
In addition to being less expensive to buy and maintain than cars, motorcycles can also be less expensive to insure. Roadside assistance and accessory coverage are included to some extent in motorcycle insurance packages. A motorcycle safety course discount and anti-lock brake system discount are provided by certain insurance carriers.
Which motorcycles are expensive to insure?
Sport bikes—also known as “Supersports”—are more expensive to insure. These powerful bikes are thought to be more risky, and more risk translates into higher premium prices.
Do you need a motorcycle license in Arizona?
To operate a motorcycle in Arizona, one must have a motorcycle license or endorsement. In order to apply for a motorcycle license or endorsement, you must be at least 16 years old. Note that a minimum of six months must have passed since the issuance of an Arizona instruction permit for a minor applying for a motorcycle license or endorsement.
How much is a motorcycle license in Arizona?
To take the written tests for the Motorcycle Operator and Driver License, all applicants for motorcycle licenses must pay a fee. The cost of a license depends on your age.
- Ages 16 to 39: $25.
- Ages 40 to 44: $20.
Do you need proof of insurance to register a motorcycle in Arizona?
Every motorbike needs to be registered with the Motor Vehicle Division (MVD) within 15 days of purchase, and it also needs to have current Arizona motorcycle insurance coverage. To register the motorcycle and obtain your motorcycle license plate, you must provide proof of insurance.
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