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Compare motorcycle insurance in Arizona

Higher premiums may come from the high risk of accidents or where you live.


Arizona motorcycle riders pay a hefty insurance premium compared to people in other states for several reasons. The state offers many riding opportunities on trails or through major cities, but those adventures increase danger. On the other hand, Arizona stands out with its low requirements and option to fund your own insurance through a security deposit.

Compare Arizona motorcycle insurance providers

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
Esurance motorcycle insurance
Included free
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
The General motorcycle insurance
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.

Compare up to 4 providers

Average motorcycle insurance in Arizona

Riding through Arizona roads and sands could mean paying about $56 monthly or $673 annually on bike insurance. That price is higher than the nation’s average of $520 annually possibly because the state sees more motorcycle deaths than in other areas.

Arizona totaled 150 bike fatalities in 2017 compared with less than 100 deaths in most other states, according to the National Highway Traffic Safety Administration’s Traffic Safety Facts report for Motorcycles. The state is home to multiple major cities like Phoenix and Tucson with many vehicles on the roads that pose extra danger to riders, which can also increase rates.

Minimum motorcycle insurance requirements in Arizona

Keeps expectations low with these simple bike insurance requirements:

  • $15,000 for bodily injuries a person
  • $30,000 for bodily injuries an accident
  • $10,000 for property damage

But traditional insurance isn’t your only option. Want to handle your own risk for getting in an accident? You can in Arizona if you make a security deposit with the state’s treasury or DMV, similar to its requirement for submitting a bond to shoulder your own car insurance.

Cheapest motorcycle insurance in Arizona

Nab the best rates in Arizona by comparing these insurance companies:

  • Geico. May offer the cheapest policy with savings opportunities, but you’ll have a relatively slim list of optional coverages and add-ons.
  • Progressive. No-cost benefits add value to a state minimum policy when paired with low starting costs, but rates could rise as you add coverage.
  • Markel. A specialized company with the wide options and experience you expect. Safe riders will see the best rates, with discounts for being violation and claims free for a number of years.
  • Full Cycle Insurance. This local agency compares and molds a policy that fits your needs, working with top companies and touting its savings.
  • Don Neeley Agency. Find all the basics and then some with a local agency that keeps high reviews from dozens of customers on Google.

When comparing providers, keep in mind your quotes will vary based on your address in Arizona. If you cruise through crowded Phoenix, Tucson or Mesa, you’ll likely find a higher premium than if you live and ride in Flagstaff or Sierra Vista.

Bottom line

Although Arizona doesn’t include high insurance requirements, consider buying more than the state minimums so you’re properly protected. You can offset the higher cost in this state when you compare motorcycle insurance companies and their benefits.

Frequently asked questions about Arizona motorcycle insurance

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