How does Arizona motorcycle insurance work?
Arizona requires all motorcyclists to carry liability insurance to protect others from damage or injuries. To ride legally, you'll need to show proof of liability insurance that meets or exceeds the following minimum coverage limits:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $15,000 in property damage per accident
Bundling your motorcycle insurance can save you bundles of money. Riders nationwide can save an average of 7% when they bundle multiple Progressive policies. Get a motorcycle insurance quote today.
What's included in a Progressive motorcycle insurance policy in Arizona?
Progressive policies with physical damage protection may help restore your bike to its pre-accident condition. We start by covering the replacement cost of parts without depreciation so you can get the right amount every time. We also pay to use the same parts to repair; if your bike has features from the original equipment manufacturer, we'll pay for OEM parts for the repair. If you've got custom parts, we'll pay for custom parts, too.
If you've made any modifications to your ride, don't worry: our Accessories coverage automatically covers up to $3,000 to repair or replace customs parts, upgrades, and accessories you've added. You can increase that coverage to as much as $30,000, so you're protected no matter how unique your ride.
Comprehensive and collision coverage
Arizona only mandates liability coverage, but you may want to add some other coverages to increase your protection. Comprehensive coverage can give you peace of mind if you're concerned about damage from forces beyond your control like theft, vandalism, or fire. Collision coverage can pay for damage your bike sustains in a collision no matter who's at fault – it even protects you against collisions where no other driver is involved, such as accidents involving telephone poles.
Remember that even though state law doesn't require these coverages, lenders often do. If you're still paying off your bike, be sure to check the terms of your loan to see what coverage your lender requires.
Other Progressive motorcycle coverages available in Arizona
There are lots of other ways to protect yourself with your motorcycle policy, including:
- Medical payments can pay for the cost of injuries you and your passenger sustain in an accident, regardless of who is at fault.
- Total loss coverage protects against depreciation by paying the full MSRP of a current model year of your bike, less your deductible, in the event of a total loss. It is available for bikes no more than one model year old on a new policy or two years old on a renewal.
- Roadside assistance covers the cost of towing your bike to the nearest mechanic. It can be further expanded with trip interruption protection to cover expenses like hotel or transportation if you're away from home.
- Carried contents protects any belongings or personal effects (cellphones, hunting gear, etc.) you carry on the bike with you against theft or damage resulting from a covered accident.
- Enhanced injury protection can pay up to $250 a week for two years if you suffer an injury in a covered accident that prevents you from working.
How much is motorcycle insurance in Arizona?
Insurers have complex formulas to calculate the rate, but it's based on factors like your age, accident history, location, riding habits, bike model, and coverage limits. Based on Progressive’ pricing, Arizona is one of the more expensive states for motorcycle insurance, so expect to pay a bit more than the national average. Learn more about what to expect for motorcycle insurance costs.
Where to find cheap motorcycle insurance in Arizona
Progressive is the #1 insurer of motorcyclists nationwide, protecting nearly one-third of all riders. If you're looking for the best motorcycle insurance in Arizona or just the best deal, our customized policies are a great starting point. Once you've designed your policy, save even more with Progressive motorcycle insurance discounts, like:
- Motorcycle endorsement
- Safety course
- Switch and save