5/5
Affordability
4.7/5
User Satisfaction
4.5/5
Financial Stability
Motorcycle Insurance in Arizona: The Cheapest Quotes and Best Companies
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The Cheapest Motorcycle Insurance in Arizona
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.
Cheapest Liability-Only Motorcycle Insurance Quotes in Arizona
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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- CompanyAnnual Premium
- 1.Progressive$76
- 2.Markel$81
- 3.GEICO$99
- 4.Dairyland$113
- 5.Nationwide$120
Cheapest Full Coverage Motorcycle Insurance Quotes in Arizona
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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- CompanyAnnual Premium
- 1.Dairyland$246
- 2.Progressive$262
- 3.GEICO$323
- 4.Harley-Davidson$367
- 5.Markel$513
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What Is the Average Motorcycle Insurance Cost in Arizona?
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 TypeAverage 12-Month Cost in ArizonaAverage 12-Month National CostVariance
- Full Coverage$380$364$16
- Liability Only$103$141-$38
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The Best Motorcycle Insurance Companies in Arizona
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:
1
Progressive
Score:96
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
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
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.
How to Get a Motorcycle Insurance Quote in Arizona
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)
Compare Motorcycle Insurance Rates
Ensure you're getting the best rate for your motorcycle insurance. Compare quotes from the top insurance companies.
How Much Motorcycle Insurance Coverage Do You Need in Arizona?
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
How Much Insurance Coverage Is Required in Arizona?
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.
Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Arizona?
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.
Frequently Asked Questions About Motorcycle Insurance in Arizona
To help you find the best motorcycle insurance in Arizona, MoneyGeek has answers to common questions about providers and their rates.
For liability-only coverage, the cheapest option is Progressive, costing an average of $76 annually. The least expensive carrier for full coverage is Dairyland, with an average yearly cost of $246.
For full coverage, Arizona riders need to pay $380 per year on average, and for a liability-only policy, they are required to shell out an average annual rate of $103.
MoneyGeek’s research reveals that Progressive is the best motorcycle insurance company in Arizona, with impressive scores across all factors evaluated.
Yes, motorcycle insurance is mandatory for bikers in Arizona.
Compare Motorcycle Insurance Rates
Ensure you're getting the best rate for your motorcycle insurance. Compare quotes from the top insurance companies.
Methodology
MoneyGeek gathered rates from insurance providers throughout Arizona based on different coverage amounts and driver profiles to help you make the right choice for your needs. We rated the best carriers in the state based on policy cost (60% weighting), products and services (30% weighting) and financial stability from AM Best (10% weighting). Our information is accurate as we collected insurance coverage requirements and license laws from reputed government sources.
About Mark Fitzpatrick
sources
- Arizona.gov. "Vehicle insurance information." Accessed May 6, 2021.
- Insurance Information Institute. "2020 Insurance Fact Book." Accessed May 6, 2021.
- J.D. Power. "2020 U.S. Auto Claims Satisfaction Study." Accessed May 6, 2021.