How Much is Motorcycle Insurance in AZ and How to Get Cheap Quotes

In Arizona, motorcycle insurance rates can vary significantly depending on several factors, including age, riding experience, and type of bike. The average cost of motorcycle insurance in AZ is around $100-$200 per month.

If you're a new rider, you can expect to pay more for insurance due to the higher risk of accidents. In fact, riders under 25 years old pay an average of $150 more per month for motorcycle insurance in AZ compared to riders over 40.

To get cheap motorcycle insurance quotes in AZ, consider taking a motorcycle safety course, which can lower your premiums by up to 10%. Additionally, bundling your motorcycle insurance with other insurance policies can also lead to significant savings.

The cost of motorcycle insurance in Arizona can vary significantly depending on where you live. For example, a full-coverage policy in Glendale costs an average of $69 per month, making it the most expensive larger city for motorcycle insurance in the state.

In contrast, Bullhead City and Show Low have some of the cheapest motorcycle insurance quotes in AZ, averaging $43 per month. This is a huge difference, and it's essential to consider these costs when choosing where to live or ride in Arizona.

Here are the average full coverage rates for various cities in Arizona, based on data from multiple insurance carriers:

Your motorcycle insurance rates in Arizona can be influenced by several factors, including your accident and claim history. This can increase your rates, especially if you have an at-fault accident.

A Plus Insurance can help you find affordable rates by comparing quotes from multiple carriers, ensuring you get the most cost-effective coverage without compromising on protection.

Your insurance rates can also be affected by your state's regulations and laws, which can vary depending on where you live.

Your motorcycle insurance rates can be affected by several key factors. One of those factors is your age, with younger riders often paying more due to their inexperience and higher accident risk.

The type of motorcycle you own also plays a significant role in determining your insurance rates. For example, a high-performance bike will typically cost more to insure than a standard or cruiser model.

Your location is another important factor, as insurance rates vary by state and even city. This is because different areas have different accident rates and crime rates, which can impact your premiums.

Your riding history, including any past accidents or tickets, can also impact your insurance rates. If you have a clean record, you'll likely pay less than someone with a history of accidents or reckless behavior.

Your coverage limits and deductible can also affect your insurance rates. If you choose higher coverage limits or a lower deductible, you can expect to pay more for your premiums.

Traffic tickets can have a significant impact on your motorcycle insurance rates. A speeding ticket will likely increase your motorcycle insurance cost, whether the violation happened in your car or on your bike.

In most states, violations will usually fall off your driving record after three years and no longer impact your motorcycle insurance rate.

Accidents can significantly impact your motorcycle insurance rate. Any auto or motorcycle accident on your motor vehicle history may increase your motorcycle insurance cost, depending on your state.

At-fault accidents are generally costlier, but any claim can negatively affect your insurance rate. This means even if you weren't at fault, filing a claim can still lead to higher premiums.

The type of accident and your state's laws play a role in determining the impact on your insurance rate.

Motorcycle insurance in Arizona offers a range of coverage options to suit different needs and budgets.

The minimum insurance requirements in Arizona are liability only, which may not be enough for most riders. This is why many customers opt for more expansive plans and additional coverage.

Some of the add-ons and plans available include Roadside Assistance Coverage, Custom Part Protection, Accessories Coverage, and Rental Reimbursement.

Here are some of the coverage options available:

The minimum liability insurance in Arizona offers bodily injury and property damage coverage, but the limits are low, and most motorcyclists opt for higher coverage plans.

Insurance companies in Arizona offer a range of motorcycle insurance policies to suit different needs and budgets. The state's minimum liability-only coverage requirement is 25/50/15, which means your policy should have liability limits of at least $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage liability coverage.

Some of the top-rated insurance companies in Arizona include MAPFRE Insurance, Progressive Auto Insurance, and USAA, which have received high ratings from J.D. Power and A.M. Best.

Here are some of the top-rated companies in Arizona, along with their J.D. Power claims and A.M. Best ratings:

Accurate Auto Insurance also offers affordable motorcycle insurance quotes in Arizona, and can provide customers with the cheapest rates instantly due to their longstanding partnerships with top-rated carriers.

If you're looking for cheap motorcycle insurance quotes in Arizona, there are several options available. A Plus Insurance can help you find affordable rates by comparing quotes from multiple carriers.

You can also consider Accurate Auto Insurance, which offers cheap Arizona motorcycle insurance quotes despite having a poor driving record. Simply enter your zip code to receive a free quote.

To find the cheapest motorcycle insurance companies in AZ, ValuePenguin collected quotes from seven top companies across 51 of the largest cities in Arizona. The best motorcycle insurance companies in Arizona were rated based on cost, coverage availability, and customer service.

Here are some average full coverage rates in Arizona cities:

Ride with Progressive is a great option for those who want to bundle their insurance policies and save money. They offer a variety of discounts, including one for bundling multiple policies.

Progressive's Snapshot program uses a small device to track your driving habits and provide personalized quotes based on your safe driving. This can lead to significant savings for safe drivers.

Progressive's insurance policies are available in most states, but coverage and discounts may vary. It's best to check with them directly for specific information.

With Progressive, you can customize your insurance policy to fit your needs, including choosing from a range of deductibles and coverage limits. This flexibility can be a big plus for drivers with unique circumstances.