Motorcycle Insurance in Arizona: The Cheapest Quotes and Best Companies

Liability coverage is cheap but offers minimal protection in case of an at-fault accident. Therefore, it’s advisable to invest in full coverage with collision and comprehensive features to enhance your liability limits and protection level. For this study, MoneyGeek used premiums for a good rider with a 50/100/25 liability-only coverage policy.

On average, the least expensive companies for a good biker with liability-only motorcycle insurance in Arizona are:

• Progressive: $76 per year
• Markel: $81 per year

The most affordable carrier, Progressive, offers prices that are 40.4% cheaper than the most expensive provider, Harley-Davidson.

Average Annual Premium for Liability Coverage

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• Company
  Annual Premium
• 1.
  Progressive
  $76
• 2.
  Markel
  $81
• 3.
  GEICO
  $99
• 4.
  Dairyland
  $113
• 5.
  Nationwide
  $120
• 6.
  Harley-Davidson
  $127

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To get comprehensive protection, riders should opt for a full-coverage policy. This plan will shield them from accidents as well as non-collision incidents, such as fire, theft or vandalism.

MoneyGeek’s data indicates that the cheapest motorcycle insurance providers in Arizona on average for a good biker with a full coverage policy, including 50/100/25 coverage and a $500 deductible, are:

• Dairyland: $246 per year
• Progressive: $262 per year

The cheapest company, Dairyland, provides rates that are 56.5% lower than the costliest carrier, Nationwide.

Consumers paying off their motorcycles will likely need a full-coverage policy.

Average Annual Premium for Comprehensive and Collision

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• Company
  Annual Premium
• 1.
  Dairyland
  $246
• 2.
  Progressive
  $262
• 3.
  GEICO
  $323
• 4.
  Harley-Davidson
  $367
• 5.
  Markel
  $513
• 6.
  Nationwide
  $567

Show more

Compare Motorcycle Insurance Rates

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The average cost of motorcycle insurance in Arizona depends on factors such as years of riding experience, age, riding record, coverage amounts and motorcycle model. MoneyGeek compared average quotes from several providers for different rider profiles.

A full-coverage policy in Arizona costs roughly $380 per year or about $32 per month. This rate is $16 or 5% more than the national average.

The cost of a liability-only plan is $103 per year on average or around $9 per month. This price is $38 lower than the national average. This package will cover your medical and bike repair costs in an at-fault accident.

MoneyGeek’s analysis is based on average rates for a policy with $50,000/$100,000 of bodily injury liability coverage, $25,000 in property damage liability insurance and a $500 deductible.

Car Insurance Costs by Coverage Type

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• Policy Type
  Average 12-Month Cost in Arizona
  Average 12-Month National Cost
  Variance
• Full Coverage
  $380
  $364
  $16
• Liability Only
  $103
  $141
  -$38

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MoneyGeek ranked the best motorcycle insurance companies in Arizona using a unique rating system that assessed affordability, products and services offered and financial stability. More information about the ratings can be found in our methodology. As per this analysis, Progressive is the best provider in Arizona.

MoneyGeek’s ranking shows that the following three insurers are the best motorcycle insurance firms in Arizona:

Expand All Rankings +

1

Progressive

Score:96

-

5/5

Affordability

4.7/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take

Pros

• Array of extra coverage options
• Get free quotes and purchase motorcycle insurance online
• Mobile app is available

Cons

• Large Accident Forgiveness only available to eligible customers
• All discounts are not available in all states
• Disappearing deductible not offered everywhere

More About Progressive

Progressive gets the top ranking in Arizona with a score of 96.41 out of 100. This provider charges an average or $76 per year for a liability-only policy. For full coverage, the average annual cost is $262.

Progressive offers a wide range of coverages that makes it stand out among the competition. Its enhanced injury protection program will pay you up to $250 per week for two years if you cannot work due to a covered accident. In case of death, the policyholder’s beneficiaries will be given $25,000. Progressive’s disappearing deductible plan decreases your deductible by 25% for every claim-free policy term. The accident forgiveness feature for certain accidents ensures your rates will not rise for a claim of less than $500. Progressive’s policies automatically cover custom and Original Equipment Manufacturer OEM parts.

2

Dairyland

Score:88

-

4.3/5

Affordability

4.7/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take

Pros

• Accepts high-risk riders
• Low down payment charges
• 24/7 claims services via phone

Cons

• No online claims reporting ability
• Coverages and discounts may not be offered in all locations
• Liability insurance isn’t the cheapest available in the state

More About Dairyland

Dairyland ranks second in Arizona with a score of 88.27 out of 100. Its average annual rates for a liability-only policy are $113 and it charges an average of $246 per year for full coverage.

Dairyland offers motorcycle insurance policies for all types of bikes and other brands as well as scooters and mopeds. Its policies offer coverage for collisions, accessories, custom bikes, vintage motorcycles and trikes. Standard coverages include trip interruption coverage, bodily injury liability, property damage and uninsured motorist bodily injury. Policyholders can get discounts for taking rider safety courses, loyalty and owning multiple motorcycles.

3

Markel

Score:83

+

4.1/5

Affordability

4.3/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take

Pros

• 24/7 claims support
• Multiple discount opportunities
• Online payment and claim filing

Cons

• Limited tools for policyholders
• Not available in all states
• Cannot bundle bike insurance with auto insurance

More About Markel

Markel gets third place in Arizona with a score of 82.84 out of 100. Its average annual cost for a liability-only policy is $81, while the average annual price for full coverage is $513.

Markel offers a range of discounts, including rebates for safe drivers and those who switch from another insurer. Its rental reimbursement coverage will pay for your rental costs if you are unable to ride your bike for a day or longer due to a covered incident. By paying $25 per year per bike, you can get trip interruption coverage and roadside assistance. You can get access to Markel’s nationwide roadside assistance plan that allows you to include all private passengers as well as household and non-commercial vehicles for $50 extra annually.

Insurance companies offer a convenient online quote calculator. You simply need to enter the following information to get an accurate rate:

• Your ZIP code and Arizona address
• Riding record
• Your birthdate
• Vehicle year, make and model
• Insurance coverage elections (see below for more details)

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Arizona stipulates that bikers should have at least minimum liability-only coverage. The state’s minimum coverage requirements include:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $15,000 property damage liability

In Arizona, the minimum liability-only coverage requirement for all motor vehicles is 25/50/15. This means your motorcycle insurance in Arizona should have liability limits of at least $25,000 for bodily injury per person, with a total of $50,000 per accident and $15,000 for property damage liability coverage.

PIP (Personal Injury Protection), underinsured motorist and uninsured motorist coverages are not required in Arizona. Only bodily injury and property damage coverages are mandatory. For extra protection, you can opt for these coverages.

MONEYGEEK EXPERT TIP

MoneyGeek advises Arizona bikers to go for full coverage with at least 50/100/25 which they can easily increase to 100/300/100 by paying a nominal extra charge.

To help you find the best motorcycle insurance in Arizona, MoneyGeek has answers to common questions about providers and their rates.

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About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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