Who Has the Best Cheap Motorcycle Insurance in Arizona?
Progressive has the best cheap motorcycle insurance in Arizona, at $22 per month.
Find Cheap Motorcycle Insurance Quotes in Arizona
Best cheap motorcycle insurance in Arizona
How we chose the top companies
Cheapest motorcycle insurance in Arizona
Progressive has the cheapest motorcycle insurance in Arizona.
A full coverage policy from Progressive costs $22 per month, which is less than half the average rate in the state.
Compare Motorcycle Insurance Quotes in Arizona
The average cost of motorcycle insurance in Arizona is $45 per month for a full coverage policy. That's 39% more expensive than the national cost of motorcycle insurance, which is $32 per month.
Cheapest motorcycle insurance in Arizona
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $22 | |
| Dairyland | $27 | |
| Harley-Davidson Insurance | $32 | |
| Geico | $45 | |
| Allstate | $70 | |
| Nationwide | $73 | |
Best motorcycle insurance for most people: Progressive
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Editor's rating
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Cost: $22/month
On average, Progressive's motorcycle insurance costs $22 per month for full coverage. That's less than half the average cost in Arizona.
You can pay even less by getting some of Progressive's discounts, many of which are easy to get.
For instance, you can save money if you get a quote at least a day in advance, have a motorcycle license or enroll in autopay.
Progressive's basic policy comes with replacement cost coverage and $3,000 of custom parts protection. Most companies charge for these coverages.
You can also buy extra forms of protection, including:
- Up to $30,000 of custom parts protection
- Total loss protection for bikes less than 1 or 2 years old
- Roadside assistance, including $500 for food and other expenses
- Enhanced injury protection
However, Progressive doesn't offer rental car reimbursement. That could be an important add-on if your bike is your only way to get around. Otherwise, you'll have to pay for a rental car while your bike is in the shop after an accident.
Progressive gets about half as many customer complaints as other companies of a similar size. That means you can count on Progressive to get you back on the road more quickly after a crash.
Best for daily riders in AZ: Dairyland
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Editor's rating
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Cost: $27/month
If your bike is your main way to get around, you should choose Dairyland because it offers rental reimbursement and roadside assistance.
You'll need to pay extra for these coverages. But they're essential if you don't have another vehicle and need your bike to get to work or run errands.
- Rental reimbursement pays for a rental vehicle for up to 30 days while a repair shop fixes your bike.
- Roadside assistance includes 24/7 towing, plus service for battery issues, a flat tire or mechanical problems.
Full coverage from Dairyland in Arizona costs an average of $27 per month before any coverage add-ons. Although it's $18 per month less than the state average, it's $5 more per month than a policy from Progressive.
In addition, Dairyland doesn't offer many ways to lower your rates with discounts. You'll automatically get a discount when you switch to Dairyland, and you can save extra if you insure multiple bikes, own a home, take a motorcycle safety course or belong to a riding association. But Dairyland doesn't offer discounts for paying your bill up front or making automatic payments. And since it doesn't sell home or renters insurance, you can't save by bundling those policies.
Dairyland gets less than half as many customer complaints as other insurance companies of a similar size. That means riders are typically happy with the service at Dairyland.
Best for military families: USAA
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Editor's rating
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Cost: $21/month
USAA is an excellent choice for motorcycle insurance, but the company only offers policies to military members, veterans and some of their family members. Arizona ranks 18th among all states for active-duty military members stationed within its borders, so many Arizonians could qualify.
USAA sells motorcycle coverage through Progressive but at a 5% discount.
Progressive has the best motorcycle insurance for most people in Arizona due to its cheap rates and excellent coverage. Progressive's 5% discount for USAA members means you can expect to pay around $21 per month for full coverage.
Arizona motorcycle insurance: Costs by city
Glendale, a suburb of Phoenix, is the most expensive larger city for motorcycle insurance in Arizona.
A full coverage policy in Glendale costs an average of $65 per month. Bullhead City and Show Low have the cheapest motorcycle insurance quotes in AZ, averaging $38 per month.
Full coverage motorcycle insurance rates in AZ by city
City | Monthly cost | % from average |
|---|---|---|
| Ajo | $43 | -11% |
| Apache Junction | $48 | -2% |
| Benson | $45 | -8% |
| Bisbee | $43 | -11% |
| Bullhead City | $43 | -12% |
Arizona motorcycle insurance requirements
Arizona riders must have bodily injury and property damage liability coverage to ride legally.
This requirement is the same for driving a car or truck and can be written as 25/50/15.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
You can make a deposit of $40,000 with the state treasurer if you don't want to buy insurance. But getting a motorcycle insurance policy is the easiest way for most people to comply with the state's laws.
If you cancel your insurance or your policy lapses, Arizona's law enforcement office gets a notification from your insurance company. Then, you will need to provide proof that you're insured.
Officials could suspend your registration and license if you get caught riding without insurance. You'll have to pay a fee and file an SR-22 form.
How do you get a motorcycle license in Arizona?
In Arizona, you must get a Class M motorcycle license if your bike has an engine larger than 100 cc.
Applicants must pass a written test and complete a closed-course skills test to get their license.
You must be at least 16 to apply for a motorcycle license or endorsement in Arizona. If you're under 18, you must have an instructional permit for six months before getting a standard certification. You must also complete a driver education program, and a parent or guardian must certify that you've completed at least 30 hours of riding.
Frequently asked questions
How much is motorcycle insurance in AZ?
Motorcycle insurance in Arizona costs an average of $45 per month. That's $13 per month more than the national average, which is $32 per month.
Which insurance company has the cheapest motorcycle insurance in Arizona?
Progressive has the cheapest motorcycle insurance for most Arizonians, at $22 per month, on average. It also offers a 5% discount to USAA members. That means active-duty military, veterans and some of their family members can get even cheaper rates from Progressive.
What are Arizona’s minimum motorcycle insurance requirements?
To legally ride a motorcycle on Arizona roads, you must have an insurance policy with at least 25/50/15 of liability coverage. This is a shorter way to write $25,000 of bodily injury liability coverage per person and $50,000 per accident, along with $15,000 of property damage coverage.
Methodology
To find the best cheap motorcycle insurance in Arizona, ValuePenguin editors collected over 350 quotes from six top insurance companies across 51 of the largest cities throughout Arizona. Quotes are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Rates are for a full coverage policy with comprehensive and collision coverage, along with higher liability limits than the state requirement.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
