Arizona motorcycle insurance

Illustration of the Grand Canyon in ArizonaIllustration of the Grand Canyon in Arizona

Arizona is a treasure trove of natural attractions, containing countless opportunities for destination motorcycling.

From the red rocks of Sedona and the colorful majesty of the Grand Canyon to Monument Valley and beyond, Arizona is a state that rewards those who explore the open road. When riding through Arizona, you feel like you’re riding through a movie, especially when in areas where so many Westerns have been filmed since the dawn of American cinema.

When riding, make sure you have the right motorcycle insurance. You don’t want to find yourself unprepared when a problem threatens your trip to see the beautiful landmarks of Arizona and beyond.

What’s required of all motorcycle riders in Arizona?

In Arizona, if your bike has an engine size larger than 100cc, you must get a Class M motorcycle license. You must be at least 16 to apply for a motorcycle license or standard license endorsement. If you’re under 18, you must carry an instructional permit for six months before receiving a motorcycle license or endorsement.

Regardless of your age or whether your bike of choice is a custom model, touring bike, cruiser, trike, or a classic, you must adhere to the following according to Arizona state law:

  • Eye protection: You must wear eye protection unless your bike has a windscreen.

  • Helmet: Anyone under 18, as well as anyone riding with an instructional permit, must wear a helmet.

  • Side mirror: You need to have at least one mirror present on your motorcycle.

  • Passenger seat/footrest: Both a passenger seat and passenger footrest are required if you’re carrying a passenger.

  • Headlight: You must have a properly functioning headlight at all times when riding.

  • Muffler: You’re required to have a muffler on your bike. Cutouts, bypasses, or similar devices are illegal.

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Prep your bike for the open road

Make sure your motorcycle is in ride-ready shape.

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What are the motorcycle insurance requirements in Arizona?

Motorcycle insurance is required in Arizona, and you must show proof of insurance prior to registering your motorcycle.

You’ll need to follow the minimum motorcycle insurance liability requirements to legally ride in Arizona:

  • $25,000 bodily injury liability coverage per person

  • $50,000 bodily injury liability coverage per accident

  • $25,000 property damage liability coverage per accident

Because an accident can yield losses greater than the minimum insurance coverage provides, you may be responsible for paying the difference. Choosing to carry higher motorcycle insurance limits can help protect you.

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Confused by your coverages?

Here's what motorcycle insurance can do for you.

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Are optional motorcycle insurance coverages available in Arizona?

In addition to the coverages you must have, you can get other insurance coverage options in Arizona. We offer:

  • Uninsured motorist bodily injury (UMBI)

  • Underinsured motorist bodily injury (UIMBI)

  • Medical payments

  • Collision

  • Comprehensive

  • Optional/special equipment

  • Transport trailer physical damage

  • Diminishing deductible

  • Physical Damage Plus

  • Replacement cost

  • Trip interruption

  • Roadside assistance

  • Rental reimbursement

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Create a reliable and affordable plan

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

What types of motorcycle insurance discounts are available in Arizona?

We offer a wide selection of money-saving motorcycle insurance discounts to our riders. Our discounts are designed to make quality motorcycle insurance even more affordable, while recognizing each rider is different.

You can earn the following discounts on your motorcycle insurance in Arizona:

  • Harley Owners Group (H.O.G.®) member

  • Multi-vehicle 

  • Rider safety course

  • Rider group 

  • Garaging 

  • Paid-in-full 

  • Transfer

  • Advance quote

  • Loyalty

  • Homeowner

These are just some of the motorcycle insurance discounts we offer. Contact us for a free Arizona motorcycle insurance quote to discover what savings opportunities you can achieve based on your driving record and other factors.

Sites to see in Arizona


Sedona is famous for the red sandstone formations just outside the city, which blaze bright orange and red in the light of the rising or setting sun.

A ride on Arizona State Route 179, known as the Red Rock Scenic Byway, provides plenty of views of incredible red rock and sandstone formations. You’ll find ample outdoor activity options. There are also many attractions, particularly in the realm of spiritual practices, including Sedona’s famed vortexes, which some say contain an abundance of healing energy.

The Grand Canyon

No list of sites to see in Arizona would be complete without the Grand Canyon. It’s an amazing natural wonder within riding distance for most residents.

The Colorado River carved the canyon, bringing to light nearly two billion years of Earth’s geological history. Whether you’re hiking to the bottom, riding down on a donkey, gazing from on high, or having your picture taken, the Grand Canyon doesn’t disappoint. The way the sunlight dances upon a cornucopia of different colored rocks is truly a performance to behold.

The Thing

Between El Paso, Texas, and Tucson, Arizona, you’ll see billboards advertising “The Thing: Mystery of the Desert.”

It’s a tactic employed by tourist traps nationwide. But unlike most tourist traps, The Thing doesn’t disappoint. The sheer magnitude of the collection’s strangeness makes this a must-see. After walking through a gift shop and paying your admission, you’re treated to things like dinosaurs and ancient drawings.

Then, at last, you come to The Thing, which is—spoiler alert—a fake mummified duo assumed to be a mother and her child. Some of the wrapping is in tatters, revealing bone. The experience, as a whole, leaves one bewildered enough to make it worthwhile.

Want to explore Arizona off the beaten path? We have coverage options for your:

Get an Arizona motorcycle insurance quote

When you get on the road in The Grand Canyon State, you’ll see the natural wonders that inspire people to sing the praises of America from sea to shining sea. And there’s no better way to see the Old West than on a motorcycle like a modern-day cowboy.

Just make sure you have the right insurance, so you don’t end up crossing the law. Enter your information below to start a quote online or call 866-324-7952 to speak with one of our friendly and knowledgeable representatives.

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