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Arizona Motorcycle Insurance

Arizona is one of the most beautiful states to ride your motorcyle in and we know that you're not alone. There are almost 200,000 fellow bikers in the state. There's enough room in Arizona to fit us all and share the road. So "Hit the Road!" but lets do it safely, with the right motorcycle insurance coverage.

With our unique service we pair you with the largest and cheapest insurance companies in Arizona to make sure you're properly insured, while also getting you the lowest cost bike insurance available. Make sure you have the right insurance to replace your motorcycle in the event of an accident as well as enough coverage to protect you from ridiculous hospital medical bills or liability lawsuits.

The right motorcycle insurance coverages can not only protect you, but it can protect your home, finances, assets, and your family's future. Like your Arizona auto insurance policy there are legal limits or minimums to consider. You need to treat your bike with the same respect and protection that you give your car, if not more.

Most of the insurance companies that we pair you with offer 24/7 customer service and affordable protection for your motorcycle. Enter your Arizona zip code above to get a list of local insurance companies in your area that can provide you with a fast and free quote, so you can get on the road today.

Arizona Motorcycle Insurance Requirements

Riders in Arizona must have liability insurance (helps pay others' injury and property damage expenses if you're at fault in an accident) with a minimum of the following limits:

$15,000 Bodily Injury Coverage per Person / $30,000 Bodily Injury Coverage per Accident
$10,000 Property Damage Coverage per Accident

This is the Arizona minimum coverage. Your should maximize your protection and increase your limits to protect yourself accordingly when you get your Arizona motorcycle insurance quote.

Optional Coverages for Motorcycle Insurance in Arizona

Much like the auto insurance coverages offered through our affiliated insurance companies, you should consider each of these coverages when requesting your motorcycle insurance quote.

Collision: This is for damage to your motorcycle from a collision. This is the part of a motorcycle insurance policy that pays to get your bike repaired after a collision with another vehicle or an object. It is collision insurance that will get your insurance company to seek out another driver's insurance company to pay for repairs if they were at fault.

Comprehensive: This is for damage to your bike not involving a collision with another car (including damage from fire, falling debris, theft, etc). This part of an motorcycle insurance policy covers damages to your scooter caused by something other than a crash: a vandal, a tree falls on it or floodwaters engulf it.

Uninsured motorists coverage: This is for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance. This part of your insurance policy covers injuries to you, caused by a driver without insurance and is meant to pay for your medical expenses.

Underinsured motorists coverage: This is for costs resulting from an accident involving a driver who does not have enough insurance. This part of an auto insurance policy covers injuries to you caused by a driver without enough insurance. Most states require drivers to carry uninsured motorist coverage. Some states include damages to your car in this coverage.

Medical payments: This is for treatment of injuries to you and/or your passenger. This part of your motorcycle insurance pays for medical expenses and lost wages to you and any passenger on your bike after an accident. It is also known in many states as personal injury protection (PIP).

Optional equipment coverage: Check with the insurance company that you choose and see if they have customization coverage. You may have put a lot into your bike and should protect the upgrades. Customization coverage may already be included to help repair or replace damaged custom equipment, such as sidecars and exhaust systems. If it's not included you might include it in your quote. It's usually a lot cheaper than you think.

Personal property coverage: Many of our insurance companies offer protection and even replacement coverage for your personal property in case of a loss. This helps repair or replace belongings you carry inside the storage compartments, including safety gear, camping equipment, and more. Ask an agent or see specific policy for details.

Trip interruption/cancellation coverage: An optional coverage offered by some of our insurance carriers is trip interruption coverage. If a mechanical failure or other covered loss occurs and your far from home, you may get daily reimbursements up to:

$100 for lodging
$50 for food
$50 for alternate transportation

Towing coverage and roadside assistance: This coverage provides for towing costs and labor, like tire repair, battery jumps, or fuel refills. Please check with your insurance provider to ensure that you have this coverage if available.

Transport trailer coverage: If your hauling or trailering your bike your Arizona motorcycle insurance may cover damage to the trailer that's transporting it.. Transport trailer coverage goes toward damage your trailer suffers while hauling your motorcycle.

~Motorcycle Insurance for Every Brand of Motorcycle~

Harley-Davidson Insurance

Harley-Davidson® has partnered with The Progressive Group of Insurance Companies, to design and provide specific, customized insurance policies for Harley owners. They offer coverage from the most basic liability coverage to get your ride legal, to full coverage with additional coverage for custom equipment and parts. Harley-Davidson Insurance covers almost every make and model. It's almost a given that they have the right coverage for you. Harley-Davidson Insurance even insures customized motorcycles, off-road vehicles, and classic motorcycles over 25 years old. As the #1 insurer of motorcycles, Progressive has specially trained representatives for handling your motorcycle claim. With speed and quality as their goal, these representatives will work with the repair shop to get your Harley-Davidson® motorcycle back on the road quickly.

BMW Motorcycle Insurance

BMW Performance Insurance is offered through Liberty Mutual Insurance. They offer BMW motorcycle owners an exclusive savings of up to 10% for insuring your motorcycle with them (restrictions apply, please see policy for details). As an additional benefit to BMW owners they protect you motorcycle with their optional Better Bike Replacement™, if your BMW motorcycle is totaled they’ll give you the money for a motorcycle that is one model-year newer, with 2,500 fewer miles on it (see policy for details).

In addition BMW motorcycle insurance, provided by Liberty Mutual Insurance, guarantees your motorcycle will be repaired with Genuine BMW Replacement Parts. See how much you could save with BMW Performance Insurance.

Victory Motorcycle Insurance / Polaris Insurance Services

Much like the Harley-Davidson Insurance program, Victory Motorcycle and Polaris Motorcycle and Off Road Vehicle Insurance is provided through a partnership with Progressive Insurance. They not only insure Victory motorcycles and Ranger vehicles, but they can also insure your ATV, side by side, snowmobile and/or golf cart. Some additional insurance benefits that they offer through their insurance partnership are:
Disappearing Deductibles
Disappearing Deductible feature – if you have a full year without a claim, we’ll reduce your insurance deductible. Get a 25 percent reduction in your off-road insurance deductible each time you have a claim-free renewal period, until your deductible is $0.

Included Accessory Coverage Benefits
$3,000 Accessory coverage included in most states with comprehensive coverage.

Indian Motorcycle Insurance

Indian Motorcycles, like Victory Motorcycles, is owned by Polaris Industries and thereby insurance services can be obtained through their partnership with Progressive Insurance. Indian bike owners can also opt for insurance through reputible insurance agencies such as Condon Skelly.

Kawasaki Motorcycle Insurance

Kawasaki motorcycle owners can get insurance discounts through Dairyland Insurance. Dairyland Cycle® not only offers coverage for Kawasaki but all brands of motorcycles, including Harley-Davidson, BMW, Honda, Yamaha, Suzuki, Triumph and many more. Scooters and mopeds can also be insured with Dairyland Insurance.

The best way to save on auto insurance is to compare insurance quotes, we've just made it easier for you!

Insurance Companies
American Family Insurance was started in October 1927 to provide affordable auto insurance rates to Wisconsin farmers. The company became American Family Mutual Insurance Company in 1963 and serviced a much broader customer base. The currently operate in 18 states including Arizona and offer a large number of insurance products including Auto, Home, Life and Renters Insurance among others. American Family Mutual Insurance Company AM Best Rating: A (Excellent)	Allstate Insurance was founded in 1931 as part of Sears, Roebuck & Co. and became a publicly traded company in 1993. Allstate sells auto, property and life insurance, as well as other lines including financial services products. They have approximately 14,900 exclusive insurance agents and financial representatives, in the U.S. and Canada. Based in Northbrook, IL, Allstate is one of the largest insurers in urban areas. Allstate Insurance Company AM Best Rating: A+ (Superior)
Farm Bureau was founded in 1919. A small group of farmers from 30 states gathered in Chicago and founded the American Farm Bureau Federation, which soon became the voice of agriculture to most of the nation. From this federation grew Farm Bureau Financial Services and for the last 65 years they have been providing property and casualty insurance, along with financial services to a wide scope of people throughout the country. They have expanded their success from rural American to the suburban and metropolitan areas as well. Farm Bureau in Arizona also underwrites with Western Agricultural Insurance Company. Farm Bureau Mutual Insurance Company AM Best Rating: A (Excellent)	Liberty Mutual was founded in 1912. They opened their first office in Springfield, Massachusetts. They provide personal lines insurance, such as car insurance, property insurance, personal liability, renters and life insurance as well as many other lines of insurance and financial services. Liberty Mutual Insurance has had a 90 year mission of "helping people live safer, more secure lives," Their core values include Integrity, Dignity and Respect, with Superior Products and Services. Liberty Mutual Insurance Company AM Best Rating: A (Excellent)
MetLife Auto & Home Insurance is a subsidiary of Metropolitan Life Insurance Company, the largest life insurance company in the U.S. MetLife was founded in 1863 providing disability protection for Civil War soldiers. Today, they offer insurance products for Arizona residents to protect their home, auto, personal property and life. MetLife Auto & Home was also the first national insurer to provide Identity Theft Protection Services at no additional charge. They also offer Guaranteed Replacement on your homeowners insurance. Metropolitan Casualty Insurance Company AM Best Rating: A (Excellent)	Nationwide provides a full range of insurance products and financial services for your home, car, family and financial security. Started in 1935, the company incorporated the Farm Bureau Mutual Automobile Insurance Company and by 1943 was operating in 12 states. In 1955, the company added 20 more western states and changed its name to Nationwide Insurance. Today with more than $161 billion in statutory assets, Nationwide is one of the largest insurance and financial services companies in the world. Nationwide Insurance Company of America AM Best Rating: A+ (Superior)
Sentry Insurance was founded in 1904 by members of the Wisconsin Retail Hardware Association to provide quality insurance for its members. Today, Sentry is one of the largest and strongest mutual insurance companies in the United States offering a full line of insurance coverage's. Headquartered in Stevens Point, Wisconsin, Sentry has assets of $10 billion and a policyholder surplus of $2.81 billion. Captain John Parker, our corporate symbol, represents the commitment that Sentry has honored since 1904: Strength, Protection and Vigilance. Sentry Insurance Group AM Best Rating: A+ (Superior)	USAA Insurance began with humble beginnings in 1922, when 25 Army officers met in San Antonio and decided to insure each other's vehicles; they could not have imagined that their tiny organization would one day serve 7.2 million members. While membership is reserved for active, retired and honorably separated officers and enlisted personnel of the U.S. military, the company is growing into one of the largest insurance companies in America. They also offer services to officer candidates in commissioning programs (Academy, ROTC, OCS/OTS), adult children of USAA members who have or had a USAA auto or property insurance policy, and widows and widowers of USAA members who have or had a USAA auto or property insurance policy USAA Casualty Insurance Company AM Best Rating: A++ (Superior)
An Undisclosed Insurance was founded in 1907 by A.T. Vigneron in Rhode Island. Amica is an acronym for the Automobile Mutual Insurance Company of America. While auto insurance was the primary insurance line for Amica in the early century, they adopted homeowner's insurance in the 1950's. In 1968 the company branched further and created the Amica Life Insurance Company. Amica Insurance has over 3,000 employees and has a long time focus on providing efficient and respectful service. Amica ranked “Highest in Customer Satisfaction Among National Auto Insurers, 10 Years in a Row” and “Highest in Customer Satisfaction Among National Homeowner Insurers, Eight Years in a Row.” Amica Property & Casualty Insurance Co AM Best Rating: A++ (Superior)	Hartford Insurance has been around for over 200 years. It was founded in 1810, as the Hartford Fire Insurance Company. Some historical customers of the Hartford Insurance company include General Robert E. Lee, Williams Cody a.k.a. "Buffalo Bill", Babe Ruth, and Presidents Abraham Lincoln and Dwight D. Eisenhower. In 1984 Hartford Insurance contracts with AARP to provide auto and homeowners insurance to it's members. The Hartford is a leading provider of life insurance, group and employee benefits, automobile and homeowners insurance and business insurance and serves millions of customers around the world today. Hartford Casualty Insurance Company AM Best Rating: A (Excellent)
Safeco Insurance was started in 1923 by visionary Hawthorne K. Dent by founding under the name The General Insurance Company of America Corporation. In 1953, the company began looking for new ways to compete with direct insurance writers. The answer was computer automation tools. These became the hallmark of the company’s new business: Selective Auto and Fire Insurance Company of America, or Safeco. The company also took center stage nationwide in 1998, when it purchased the naming rights to the Seattle Mariners ballpark. In 2004, the company sold its life and investments operations, shifting the company's full attention to property and casualty insurance. Safeco Insurance Company of America AM Best Rating: A (Excellent)	Progressive started in 1937 by Joseph Lewis and Jack Green. In 1956, Progressive Casualty Company was formed to write auto insurance for high-risk drivers. More growth and expansion in the 1960s brought about the formation of The Progressive Corporation. Progressive insurance became a public company in 1971. Progressive is recognized as the largest seller of auto insurance through independent insurance agents. The company also offers insurance quotes, policies and customer service through Progressive Direct. Today the company offers concierge claims service which reduces the time drivers spend managing repairs from about four days to 15 minutes. Progressive Casualty Insurance Company AM Best Rating: A+ (Superior)
Chubb Insurance began in the spring of 1882, Thomas Caldecot Chubb and his son Percy opened their marine underwriting business in the seaport district of New York City. Having collected $1,000 from each of 100 prominent merchants to start their venture, they focused on insuring ships and cargoes. By the turn of the century, Chubb had established strong relationships with the insurance agents and brokers who placed their clients’ business with Chubb underwriters and the original subscribers enjoyed a substantial return on their investment in the young company. With approximately 10,600 employees throughout North America, Europe, South America, and the Pacific Rim, Chubb serves property and casualty customers from some 120 offices in 28 countries around the globe. Chubb works with 8,500 independent agents and brokers worldwide. Chubb Indemnity Insurance Company AM Best Rating: A++ (Superior)	Mercury Insurance first opened its doors in 1962 and provides comprehensive coverage options ranging from personal auto insurance to homeowners insurance to mechanical breakdown protection. Dedicated managers and enthusiastic employees work hand-in-hand with their network of independent agents to make Mercury one of the fastest-growing auto insurers in the nation and the leading insurer in California. Mercury Insurance Company provides low rates, excellent coverage and a local agent who’s there every step of the way. They feel that’s what sets them apart from their competitors. And that’s what makes them the obvious choice when it comes to insurance. Mercury Insurance Company AM Best Rating: A+ (Superior)
21st Century Insurance is one of the newest major insurance companies in Arizona. Customization and personalization are the essence of our technology-driven, internet-connected culture. It's how we live today. At 21st Century Insurance they want to be the kind of insurance provider that's "just right" for consumers in the 21st century. That's why you will hear and see them talk about insurance that's "Just Right. Just For You." Because the simple fact is, a lot of people are unaware that they have the wrong car insurance. They're here to help you "right" that "wrong" by tailoring a car insurance policy that's just right for you, at the right price. As a 21st Century Insurance customer, you will experience a level of personal service and personalized coverage. 21st Century Insurance Company AM Best Rating: A (Excellent)	Esurance Insurance is one of the newest yet fastest growing insurance companies in the nation. Started in 1999, Esurance was bought by the White Mountains Insurance Group. Esurance customers can manage their policies online and also contact our customer service center 24 hours a day, 7 days a week. The company offers auto insurance, homeowners insurance, renters insurance, health insurance, life insurance and motorcycle insurance. Esurance's mission is to be dedicated to being the leading provider of personal insurance products. They leverage technology to provide a hassle-free experience for their customers and to create significant value for their owners. Esurance Insurance Company AM Best Rating: A- (Excellent)
GMAC Insurance was founded in 1919. Initially formed to provide automotive finance products and services to General Motors dealers and clients, GMAC has since expanded its business to include mortgage operations, insurance, commercial finance and online banking. GMAC was a wholly owned subsidiary of GM, until 2006. By 2009, the company had approximately $178 billion in assets, with 15 million customers worldwide. GMAC provides a broad range of insurance and insurance-related products and services for individual consumers, as well as automotive dealerships and other businesses. GMAC Insurance Group AM Best Rating: B++ (Good)	Travelers Insurance was a merger of two companies. Started in 1853 as St. Paul Fire & Marine Insurance Company by Alexander Wilkin and 16 fellow Saint Paul, MN businessmen. In 1964 J.G. Batterson and nine others form The Travelers Insurance Company "for the purpose of insuring travelers against loss of life or personal injury while journeying by railway or steamboat." In 1897 the company issues the first automobile insurance policy. By 2004 The Saint Paul and Travelers Property Casualty merge to form St. Paul Travelers, creating a new company with 285 years combined experience in managing risk with integrity, innovation and discipline. Travelers Casualty Insurance Co of America AM Best Rating: A+ (Superior)
State Farm was founded in 1922 by retired farmer and insurance salesman George Jacob "G.J." Mecherle. His motivation for starting State Farm was simple. It was about fairness and doing the right thing for the customer. Today, State Farm insures more cars than any other insurer in North America. They are the leading U.S. home insurer. More than 17,000 agents and 68,000 employees serve over 75 million policies in the U.S. and Canada. Among financial services products, they offer consumers auto insurance, home insurance, renters insurance and life insurance. State Farm Group AM Best Rating: A++ (Superior)	Geico Insurance was established in 1936 by Leo Goodwin under the name Government Employees Insurance Company, better known today as GEICO. As an entrepreneur he enthusiastically built the company catapulting it to the juggernaut that GEICO has become today. In 1951 Warren Buffet (Berkshire Hathaway), became involved with Geico. Since that time Geico has grown to include over 30,000 associates and more than 12 million policies in force. Government Employees Insurance Company (GEICO) and its affiliate companies (GEICO General Insurance Company, GEICO Indemnity Company, GEICO Casualty Company, GEICO Advantage Insurance Company, GEICO Choice Insurance Company, and GEICO Secure Insurance Company) enjoy high ratings in the industry for financial strength and claims-paying ability. Government Employees Insurance Company AM Best Rating: A++ (Superior)
Berkshire Hathaway Insurance is a conglomerate of holding companies including Geico Auto Insurance, Berkshire Hathaway Homestate Companies, Berkshire Hathaway Specialty Insurance, Guard Insurance Group, United States Liability Insurance Group and many more. These insurance groups include coverage for personal as well as commercial auto insurance policies, business insurance, business liability and other product lines. Berkshire Hathaway Insurance Group AM Best Rating: A++ (Superior)	Farmers Insurance Group offers insurance for your auto, home, motorcycle, boat, travel trailer, motorhome, home, condo, as well as life insurance. Farmers humble beginning started in Los Angeles in 1928, long before becoming a household name as one of the largest insurance companies in the U.S. Started by John Tyler and Thomas Leavey, the company tailored its policies to farmers and ranchers in 1998, Farmers Group was acquired by Zurich Financial Services. Farmers is also the largest insurer of Manufactured Homes under its company Foremost Property & Casualty Insurance Company. Additionally Farmers owns Bristol West Insurance, and 21st Century Insurance. Farmers Insurance Company AM Best Rating: A (Excellent)
AAA Auto Club Enterprises Car Insurance was founded in 1902. It is a little known fact that AAA was integral to the advent of the interstate system throughout the United States as well as the development of the standardized octagonal shaped red "Stop Signs" used in every state at most intersections. AAA began providing road maps in 1905 and began its school safety program in 1920. AAA has been at the forefront of national traffic studies throughout the years. AAA is a federation of motor clubs throughout the U.S. and has over 51 million members. Auto Club Indemnity Insurance Company AM Best Rating: A+ (Superior)	Erie Insurance Group provides car insurance, homeowners insurance, life insurance, boat insurance and business insurance services. Established in 1925 Erie Insurance Their approach is to "overwhelm" their customers with fantastic service and a great value. The company has a network of independent insurance agents throughout the U.S. Erie insurance has nearly 4.9 million policies and more than 330,000 life, annuity and disability income policies in force. Erie Insurance Group AM Best Rating: A+ (Superior)
Auto-Owners Insurance Group was founded in 1916 by Vern V. Moulton in Mt. Pleasant, Michigan. It began in just one room of a bank building. It moved soon thereafter to Lansing, Michigan. The Lansing corporate office services not only Auto-Owners Insurance Company, but its subsidiary companies: Auto-Owners Life Insurance Company, Home-Owners Insurance Company, Owners Insurance Company, Property-Owners Insurance Company, and Southern-Owners Insurance Company. The company now has over 6,200 independent agencies, selling personal and commercial insurance lines as well as life, health and annuities in 26 states. Auto-Owners Insurance Group AM Best Rating: A++ (Superior)	Country Financial Property & Casualty Insurance has a full line of insurance products for consumers as well as financial services. For more than 85 years, Country has been protecting its customers assets and liabilities. The company serves about 1 million households and businesses throughout the Unites States. Country Insurance began in 1925 with its roots in agriculture. Today the offer competitive rates, money-saving discounts and a variety of auto insurance coverage's to meet their customers specific needs. Their claims service is among the best in the industry. Their slogan is "You'll always get the service you deserve with COUNTRY." Country Financial Property & Casualty Insurance Group AM Best Rating: A+ (Superior)
Who are the Rating Companies'
A.M. Best www.ambest.com A.M. Best rates the financial strength of insurance companies and the security of holding companies' debt and preferred stock. More than merely passing judgment on past performance, a Best's rating gives an indication of how that company may be expected to perform in the future.
Standard & Poor's www.standardandpoors.com Standard & Poor's Insurer Financial Strength is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms.
Moody's Investors Service www.moodys.com Moody's insurance ratings and research provide global coverage of life, property and casualty, mortgage, and title insurers and reinsurers as well as financial guarantors.