Who Has The Cheapest Motorcycle Insurance Quotes In Arizona?

Arizona has some of the most breathtaking geography in the U.S., with mountainous regions, deep canyons, ski resorts and the world-renowned National parks. The state is one of the best for motorcycle riding so we gathered motorcycle insurance quotes from four major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was 76.2% higher than the cost of the cheapest in Arizona.

Cheapest Motorcycle Insurance Companies

In Arizona, the company with the most affordable motorcycle insurance rates for our sample policy and rider was GEICO. Nationwide had the second best motorcycle rates, with an average quote of $427 across the state for our sample rider. Both GEICO and Nationwide were much lower than the average cost of motorcycle insurance in Arizona, which was $719 for our profiled rider. Out of the four companies we were able to gather quotes from, Progressive and Dairyland had the least affordable. Quotes by Progressive averaged $918 across the 51 places in Arizona. Dairyland's motorcycle insurance quotes were the most expensive out of the four, with an average of $1,189 – more than 3.4x GEICO's average.

A study of four major carriers by ValuePenguin found GEICO had the best motorcycle insurance rates.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In Arizona: By City

The city with the most affordable rates in Arizona was Page, where quotes were 16.2% lower than the Arizona average. Page is well known for having a long list of films shot there as well as the nearby Glen Canyon Dam and Lake Powell. The next 10 cheapest places included in our study all had rates that were 15.7% lower than the state average. Among those were Sierra Vista, Benson and Tombstone, a historic western city that prospered in the late 19th century from the local silver mines. It is also known as the site of the 1881 Gunfight at O.K. Coral, arguably the most famous shootout of the Old West.

The five places with the most expensive motorcycle insurance rates in Arizona are all suburbs of Phoenix, the state's capital. They range in size but even the smallest place, Goodyear, has more than 75,000 residents. The place with with most expensince rates was Tempe, where premiums quoted for our sample policy were 47.7% higher than the state average.

Rank

CityAverage Annual Rate% Difference vs State Average

1

Tempe$99447.7%

2

Chandler96943.9%

3

Gilbert91836.4%

4

Mesa89432.8%

5

Goodyear88631.7%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Tempe, AZ

Tempe was the city in Arizona with the most expensive motorcycle insurance rates. It’s home to Arizona State University and once the location of the headquarters of airline carrier U.S. Airways, which was purchased by American Airlines in 2013. About 172,000 people live in Tempe, which is one of the suburbs of Phoenix, Arizona. Motorcycle insurance rates in Tempe were 47.7% higher than the Arizona average.

Chandler, AZ

The city of Chandler is another suburb of Phoenix. More than 250,000 people call the city home and many work in Phoenix and the surrounding area, in addition to Chandler. Intel, a major computer chip manufacturer, has multiple locations in the city and has played an important part in its growth. There were once many ostrich farms in the area and, as a result, the city hosts an annual Ostrich Festival. Motorcycle insurance rates in Chandler are some of the most expensive in the state. Quotes for our sample policy were 43.9% higher than the state average.

Gilbert, AZ

Gilbert is a town adjacent to Chandler with about 230,000 residents. It is the most-populous incorporated town in the U.S. and has a long history as a farming community. Today, companies from all sectors operate there including GoDaddy, a publicly traded Internet domain register and web hosting company. Motorcycle insurance rates in Gilbert were 36.4% higher than the Arizona average.

Mesa, AZ

Mesa is a suburb about 20 miles east of Phoenix with a population of about 450,000 people. It is the third-largest city in Arizona -- behind Phoenix and Tucson -- and has a blend of historical places, new construction and businesses. Boeing, a publicly-traded airplane manufacturer, employs more than 4,000 people in the city. Motorcycle insurance premiums in Mesa are some of the least affordable in Arizona. Quotes for our sample policy were 32.8% higher than the state average.

Goodyear, AZ

The city of Goodyear has more than 75,000 residents but is one of the smaller suburbs of Phoenix. It’s one of the fastest growing cities in the U.S. and offers a wide array of activities for locals and visitors alike. The surrounding area has great hiking and is home to Goodyear Ballpark, which is home to professional MLB teams during the league’s spring training. Motorcycle insurance rates in Goodyear are 31.7% higher than the state average.

Comparison of Motorcycle Insurance Rates in Arizona

This comparative study of motorcycle insurance premiums in Arizona was done by gathering and analyzing quotes from five major carriers across 51 municipalities and census-designated places. Our analysis showed the average premium quoted in the state was $673 and the most expensive place were 76.2% more than the cheapest. Keep in mind that rates are just one factor of motorcycle insurance. The best motorcycle insurance companies combine low rates with other offerings, like a long list of endorsements, or unique discounts to drive rates even lower.

A ValuePenguin study of motorcycle insurance in Arizona found the average quote for a policy was $673.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 51 municipalities and census-designated places in the state of Arizona. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Rank

CityAverage Annual Rate% Difference vs State Average

3

Ajo$568-15.7%

39

Apache Junction7095.3%

Arizona Average6730.0%

7

Benson568-15.7%

29

Bisbee657-2.3%

2

Bullhead City568-15.7%

36

Camp Verde6872.0%

24

Casa Grande630-6.3%

31

Cave Creek663-1.4%

50

Chandler96943.9%

35

Chino Valley6872.0%

41

Coolidge7369.4%

32

Cottonwood669-0.6%

38

Douglas6912.7%

25

Eloy630-6.3%

28

Flagstaff653-3.0%

14

Florence598-11.1%

26

Fountain Hills637-5.3%

49

Gilbert91836.4%

45

Glendale83724.4%

19

Globe602-10.6%

46

Goodyear88631.7%

22

Holbrook624-7.3%

34

Kearny6872.0%

5

Kingman568-15.7%

23

Lake Havasu City625-7.1%

30

Marana657-2.3%

13

Maricopa598-11.1%

48

Mesa89432.8%

37

Nogales6912.7%

1

Page564-16.2%

12

Parker586-13.0%

8

Payson568-15.7%

47

Peoria88631.7%

44

Phoenix79818.6%

18

Prescott598-11.1%

16

Quartzsite598-11.1%

9

Safford568-15.7%

21

Sahuarita620-7.9%

33

Scottsdale6811.3%

15

Sedona598-11.1%

4

Show Low568-15.7%

11

Sierra Vista568-15.7%

40

Sun City7217.1%

42

Surprise74711.0%

51

Tempe99447.7%

10

Tombstone568-15.7%

43

Tucson76413.5%

20

Wickenburg616-8.4%

6

Willcox568-15.7%

27

Williams653-3.0%

17

Yuma598-11.1%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Comments and Questions