Arizona Motorcycle Insurance: Costs, Laws, and Quotes

The cost of motorcycle insurance in Arizona is higher than the national average, partially because the season is longer. Find cheap rates here.
Written by Bonnie Stinson
Reviewed by Bellina Gaskey
The average cost of
motorcycle insurance
is about $768, well above the national average ($519). This insurance is required in Arizona, so read carefully to find the best deal with the right coverage for your bike.
  • Arizona’s motorcycle insurance rates are high, partially due to the long riding season. 
  • Progressive usually has the lowest average rates on motorcycle insurance for safe riders.
  • You may need to shop around if you need special coverage, like custom parts insurance.

How to find cheap motorcycle insurance quotes in Arizona

The only way to find the cheapest motorcycle insurance in Arizona is to compare the prices of multiple companies. Ask for quotes from three to five insurers to see who offers the best deal for your needs.

Average cost of motorcycle insurance in Arizona

In Arizona, motorcycle drivers can expect to pay approximately $768 per year, or $64 per month, for insurance. 
This figure is a little higher than the national average—and there’s a logical reason for this: sunshine! Arizona motorcycle drivers need insurance that provides 365 days of coverage because they’ll often ride year-round.

Cheapest companies for full coverage Arizona motorcycle insurance 

If you want great coverage at a low price, we’ve got some options for you. Here are the four cheapest motorcycle insurance companies in Arizona. These numbers are based on full coverage motorcycle insurance, which includes
, and
Average annual rate for full coverage
Are you overpaying for your car insurance?
Compare quotes and find out in 45 seconds.
No spam or unwanted phone calls · No long forms
No spam or unwanted phone calls · No long forms · No fees
icon4.717k Ratings
5M+Drivers Joined
7M+Cars Garaged
Keep in mind that these are average rates. These prices won’t stay the same for every driver. Your driving history, zip code, age, and bike model have a big impact on your overall premium. 

Are motorcycles cheaper to insure than cars?

Yes, it is generally
cheaper to insure a motorcycle
than a car.
Car insurance in Arizona
will cost you an average of $2,092 for minimum coverage as mandated by the state, or $2,534 for full coverage. 
The average cost of motorcycle insurance ($768) is about one-third of the cost of car insurance in Arizona.

Arizona motorcycle insurance coverage requirements

As in most states, there are
minimum insurance requirements
for motorcycle insurance in Arizona. All bikers are required to carry this level of coverage to legally operate their bikes.
In Arizona, here are the minimum coverage requirements: 
You can avoid buying insurance if you show proof of a bond, certificate of deposit, or cash holder’s account worth over $40,000. However, it’s usually easier to comply with state laws by purchasing a policy.
If you do not have coverage, your registration and license can be suspended. This carries a fine and will most likely trigger an
SR-22 requirement

What should a basic motorcycle insurance policy cover?

The bare minimum for legal motorcycle insurance coverage is definitely affordable. However, it does not offer you or your bike enough protection in the event of an accident. That’s why full-coverage insurance is recommended.
A good motorcycle insurance policy should cover your bike, yourself, and your passengers. It should give you coverage for theft, vandalism, accidents, and custom parts (if you have them).
Look for an insurance provider with options that meet all your needs, such as: 
A serious crash could cost you thousands of dollars—and that’s just to repair or replace your bike. What about medical expenses? What about lawsuits? 
Full coverage is slightly more expensive than basic liability coverage, but it is well worth the investment for situations like these. 

The best companies for Arizona motorcycle insurance

Before you hit Route 66, check out these top four companies with options tailored to you and your bike.

1. Best for people who ride often: Dairyland 

The good: Great add-on features, option for
OEM coverage
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 85/100
If you rely on your bike to get around town all year round, then Dairyland offers enough coverage and optional features to protect you. 
You can choose rental reimbursement and roadside assistance as add-ons. Rental reimbursement gives you money to rent a vehicle for up to 30 days if your bike is in the shop due to a covered claim.
Roadside assistance includes 24/7 towing and other useful services, like flat tire assistance.
You will have to pay more than the average biker for Dairyland motorcycle insurance, however. The average price for basic coverage is $923 per year, which is quite a bit higher than the state average of $768.

2. Best for cheap rates for everyone: GEICO

The good: Overall low rates, superior financial stability 
AM Best rating: A++ (Superior)
BBB rating: A+
Jerry’s rating: 90/100
GEICO offers some of the cheapest motorcycle insurance in Arizona. It’s the second-largest insurer in the country. 
You may already have car insurance with GEICO (which means you can qualify for a sweet discount by insuring multiple vehicles). If not, you could switch over and insure your car, your bike, your RV, and your boat with the same company. Simplify for savings!
You can get accessories coverage, helmet coverage, and roadside assistance with GEICO. Whether you have a moped, custom motorcycle, touring bike, sport bike, or cruiser, you can insure it with GEICO.
Remember to ask about discounts, too! GEICO has a great selection of discounts.

3. Best for the average rider: Progressive

The good: Tons of coverage options, lowest price
AM Best rating: A+
BBB rating: A+ 
Jerry’s rating: 91/100
Recognized for its excellent pricing and variety of coverage choices, Progressive could be the perfect fit for you and your motorcycle. 
Total loss coverage, automatic small accident forgiveness, and enhanced injury protection are just three of the offerings available with Progressive.
While customer service ratings are below average for Progressive in recent years, you might be able to overlook those ratings in light of their low average cost: $508 per year.

4. Best for riders who only need basic coverage: Nationwide

The good: Customization options
The bad: Higher than average rates
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 84/100
If you hop in the saddle infrequently, then you may appreciate Nationwide’s motorcycle insurance options. At just $593 for the average annual premium, you could enjoy basic coverage for occasional rides.
Nationwide does offer OEM coverage, but it doesn’t offer replacement cost insurance or rental reimbursement. But for infrequent riders, this type of coverage may not be necessary—and you could save money by declining it.
If you don’t have any fancy parts and you don’t rely on your motorcycle for daily transportation, consider getting a quote from Nationwide.
“I would 11/10 recommend
. I was originally quoted $700+ for insurance for my new bike, but by using Jerry I got my payments down to $320 a month. They also have a great support team ready to answer any questions!” —Tobias F. 


In order to rate motorcycle insurance companies in Arizona, we collected public data and rated each company on four factors: (1) average cost of insurance (50% of our rating), (2) customer satisfaction as measured by the Better Business Bureau (BBB) and NAIC index (25%), (3) coverage options (20%), and (4) financial stability as measured by AM Best (5%). 
Compare auto insurance policies
No spam or unwanted phone calls · No long forms
Find insurance savings
Are you overpaying for car insurance?
Compare quotes and find out in 45 seconds.
Try Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings