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Arizona Motorcycle Insurance

Arizona Motorcycle Insurance

Get Arizona Motorcycle Insurance for the way you ride in the desert—get quotes fast and easy.

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Explore Arizona Motorcycle Insurance

Arizona riding is a study in contrasts—urban gridlock on Loop 101, sweepers on SR-89A, desert crosswinds on I-10, and surprise washes after a monsoon burst. The right Arizona Motorcycle Insurance keeps you riding through all of it, protecting you, your passenger, and your bike when the day doesn’t go as planned.

We’ll help you choose limits that make sense, add coverage for the upgrades you’ve put into the bike, and keep pricing practical. Quotes are quick when you need them; an experienced agent is here when you want one.

The Bare Minimum: What Arizona Requires

To ride legally, Arizona requires liability insurance—coverage that pays others if you’re at fault. Minimum limits are:

Coverage Type What’s Covered Minimum Limit
Bodily Injury Liability Injuries you cause to others $25,000 per person / $50,000 per accident
Property Damage Liability Damage you cause to other people’s property $15,000 per accident

These are legal minimums—not a recommendation. Hospital bills and bike repairs can outrun them fast.

Insurers must also offer Uninsured/Underinsured Motorist (UM/UIM). You can decline it, but many riders keep UM/UIM to protect themselves from drivers with low or no insurance.

Build a Better Arizona Motorcycle Insurance Policy

Minimums don’t fix your bike or cover your gear. Consider these add-ons to make your Arizona Motorcycle Insurance work in real life:

  • Collision – Repairs your bike after a crash, even if you’re at fault.
  • Comprehensive – Theft, fire, vandalism, falling objects, animal strikes, and desert wind damage.
  • UM/UIM – Helps pay for injuries if the other driver has little or no insurance.
  • Medical Payments – Helps with medical bills for you or a passenger, no matter who’s at fault.
  • Accessory / Custom Parts – Bars, bags, seats, electronics, paint—cover the upgrades you’ve paid for.
  • Roadside & Towing – Helpful on long stretches like US-191 or the run between Wickenburg and Prescott.
  • OEM Parts / Diminished Value (where available) – Keep your bike true to spec after a covered loss.

Arizona Rider Rulebook: Key Laws to Know

  • Helmet – Required for riders and passengers under 18.
  • Eye Protection – Required for all riders unless the bike has an approved windscreen.
  • Lane Filtering – Allowed between stopped vehicles on roads posted ≤ 45 mph when you’re moving ≤ 15 mph and it’s safe to do so.
  • Proof of Insurance – Carry it; it’s required to ride and to keep registration active.

Questions about your setup or route? We’ll translate the fine print so your Arizona Motorcycle Insurance matches how you actually ride.

Arizona Scenarios, Matched to Coverage

  • I-10 dust storm near Picacho Peak – Low visibility chain-reaction: Collision + UM/UIM + the right deductibles.
  • SR-89A shade ice – Early-season slide into a guardrail: Collision + Medical Payments.
  • Garage theft in central Phoenix – Bike and helmet gone overnight: Comprehensive + Accessory limits that fit your build.
  • Wildlife strike on Beeline Highway – Sudden javelina or deer: Comprehensive + Roadside to get you home.

Save on Arizona Motorcycle Insurance (Without Cutting Corners)

  • Complete a certified motorcycle safety course (discounts often apply).
  • Bundle with your home or auto policy for multi-policy savings.
  • Use secure storage, locks, and a tracker—especially in metro areas.
  • Ask about seasonal/mileage ratings if you park the bike for part of the year.
  • Pick deductibles that balance monthly cost with what you can afford at claim time.

Why Arizona Riders Choose IronPoint

Local roads, local weather, local rules—your policy should reflect all three. We pair riders with A-rated carriers, tune limits to real risks, and keep the buying process straightforward. If the day ever goes sideways, you’ll be glad your Arizona Motorcycle Insurance was built this way.

Get an Arizona Motorcycle
Insurance Quote

Compare Arizona motorcycle insurance rates in minutes. It’s safe, secure, and free.

Call (877) 334-7646 to speak with an insurance agent.

Arizona Motorcycle Insurance FAQs

Is motorcycle insurance required in Arizona?

Yes. Liability insurance is required to ride on Arizona roads, and it applies to motorcycles and mopeds.

What are the minimum motorcycle liability limits for Arizona?

$25,000 bodily injury per person / $50,000 per accident / $15,000 property damage (often written as 25/50/15).

Is lane filtering legal in Arizona?

Yes—under specific conditions: filtering only between stopped vehicles, on roads posted at 45 mph or less, and you must ride at 15 mph or less when it’s safe to do so.

Are helmets and is eye protection required when riding a motorcycle?

Helmets are required for riders and passengers under 18. Eye protection is required for all riders unless the motorcycle has an approved windshield.

Is Uninsured/Underinsured Motorist (UM/UIM) coverage mandatory for motorcycles?

No. It isn’t mandatory, but insurers must offer UM and UIM; many riders keep it to protect themselves from drivers with little or no coverage.

Does Arizona motorcycle insurance cover custom parts and accessories?

Usually up to a small built-in limit. If you’ve added bars, bags, seats, electronics, or custom paint, ask for accessory/custom parts coverage to match your build.