Who Has the Best Cheap Motorcycle Insurance in Arizona?

Progressive offers the best cheap motorcycle insurance in Arizona, at $22 per month — $27 less than the state average.

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Best cheap motorcycle insurance in Arizona

To help you find the best cheap motorcycle insurance 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.

To find the cheapest companies in AZ, we compared rates for a full coverage policy with higher liability limits than the state minimum plus comprehensive and collision coverage. See our full methodology.

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 54% cheaper than average.

Average monthly costs of motorcycle insurance in Arizona by company

Compare Motorcycle Insurance Quotes in Arizona

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The average cost of motorcycle insurance in Arizona is $49 per month for a full coverage policy.

That's 46% more expensive than the national cost of motorcycle insurance, which is $33 per month.

Cheapest motorcycle insurance in Arizona

Company
Monthly rate
Progressive logo
Progressive
$22
Dairyland logo
Dairyland
$27
Harley-Davidson Insurance logo
Harley-Davidson
$32
Geico logo
Geico
$45
Allstate logo
Allstate
$70
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Best motorcycle insurance for most people: Progressive

  • Editor rating

  • Monthly rate

    $22 ?

Pros and cons

  • Cheapest quotes in Arizona
  • Standard policy includes replacement cost coverage and custom parts protection
  • Dependable customer service
  • Doesn't offer rental reimbursement or trailer coverage

The best motorcycle insurance for most Arizona riders comes from Progressive.

It offers a variety of helpful coverage options and low rates.

On average, Progressive's motorcycle insurance costs $22 per month for full coverage. That's less than half as much as the average rider in Arizona pays for coverage.

You can pay even less by qualifying for some of Progressive's discounts. Many of these discounts are easy to get. For instance, you can earn a discount 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 extra for these coverages.

You can also buy additional forms of protection, including:

  • Up to $30,000 of custom parts protection.
  • Total loss protection for bikes less than 1 or 2 years old upon renewal.
  • Roadside assistance, including $500 for food and other expenses.
  • Enhanced injury protection pays $250 weekly for up to two years if you're hurt on your bike. It will also pay $25,000 to your family if you're killed in an accident.

However, Progressive doesn't offer rental car reimbursement. You should consider another company if your bike is your only way to get around.

Progressive also gets fewer complaints than other companies of a similar size, according to the National Association of Insurance Commissioners (NAIC). That means riders can count on Progressive to get them back on the road more quickly after a crash.


Best for daily riders in AZ: Dairyland

  • Editor rating

  • Monthly rate

    $27 ?

Pros and cons

  • Affordable rates
  • Offers rental reimbursement and roadside assistance
  • More customer complaints than average

Dairyland has the best motorcycle insurance in Arizona for riders who use a motorcycle as their primary vehicle.

That's because Dairyland offers rental reimbursement and roadside assistance.

  • Rental reimbursement helps pay 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.

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.

Full coverage from Dairyland in Arizona costs an average of $27 per month before any coverage add-ons. Although that's 45% cheaper than the Arizona state average, it's $5 more per month than a policy from Progressive.

If you choose Dairyland, it may take a while for your bike to get fixed after an accident. It gets more customer complaints than other insurance companies of a similar size, according to the NAIC. That means riders aren't always happy with the service at Dairyland, especially during the claims process.


Best for military families: USAA

  • Editor rating

  • Monthly rate

    $21 ?

Pros and cons

  • Cheapest rates overall
  • Lots of coverage options
  • Top customer service scores
  • Availability is limited to military members, veterans and some military family members

Arizona riders with military ties can get excellent motorcycle coverage at an affordable rate from USAA.

The company only offers policies to military members, veterans and some of their family members. Arizona ranks 17th among all states regarding 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.

In addition, USAA has some of the best customer service in the insurance industry. That means Arizona riders can count on USAA for a quick and easy claims process after an accident.


Arizona motorcycle insurance: Costs by city

The most expensive larger city for motorcycle insurance in Arizona is Glendale, a suburb of Phoenix.

A full-coverage policy in Glendale costs an average of $69 per month. Bullhead City and Show Low have the cheapest motorcycle insurance quotes in AZ, averaging $43 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%
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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.

You can show a bond, certificate of deposit or cash holders worth more than $40,000 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 don't have insurance. You will 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 licensed.

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.


Methodology

To find the best cheap motorcycle insurance in Arizona, we collected 350 quotes from seven 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

To rate the best motorcycle insurance companies, ValuePenguin considered the following:

  • Cost: The price a typical shopper may expect to pay for motorcycle insurance in Arizona
  • Coverage options: How coverage offered by one company stacks up against others
  • Customer service: Does an insurance company consistently meet the needs of its customers?

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.