Motorcycle Insurance

Why Get Motorcycle Insurance in Arizona
Motorcycle insurance is required by law. A good policy covers you and your motorcycle and provides protection against careless motorists. An accident involving a motorcyclist driving without insurance can be very costly. The state of Arizona has a gorgeous landscape with a warm desert climate. The state is a dream destination for many motorcycle enthusiasts. Because of this fact, motorcyclists can ride nearly year round. However, this also increases the risk of accidents. This is why it is so important to have adequate motorcycle insurance.

Motorcycle Riding in Arizona
In order to operate a motorcycle in Arizona, a class M license is required. A person needs to be at least 16 years old to apply for a motorcycle license. For those who are applying and are below 18 years of age, Arizona requires that you have a permit for at least six months before submitting an application. If you would like to have a license without restrictions, you must pass the motorcycle test using a 100cc vehicle or higher; otherwise, you will receive a J restriction on the license which has a limitation of driving 100cc vehicles or lower.

Motorcycle License Requirements in Arizona

  • Identification
  • Fees
  • Written and Skills motorcycle test
  • Medical and Vision screening tests
  • Parental consent (if below 18 years old)

Minimum Required Coverage in Arizona
Arizona requires all motorcycle drivers to purchase and maintain liability insurance coverage. Whether you ride your motorcycle year round or just enjoy riding during the summer months, your Arizona motorcycle insurance policy must include the following minimum coverage amounts:

  • $15,000 for bodily injury of one person
  • $30,000 for bodily injury of all injured parties
  • $10,000 for property damage in one accident

To help protect you from additional financial risk, the State of Arizona encourages all riders to carry additional uninsured and underinsured motorcycle insurance. This insurance will pay for your expenses in the event of an accident where the other driver does not have insurance. This additional coverage is normally purchased in an amount equal to your liability coverage.

There are two ways to secure insurance coverage:

  • Self Insurance – A bond or certificate for a large sum of money set aside with the Department of Transportation
  • Buy insurance – Through agents and brokers of motorcycle insurance companies

Arizona Motorcycle-specific Laws:
For your safety, all State Laws regarding the operation of a motor vehicle should be followed at all times. Failure to comply with these laws can cost you time, money, and even your driving privileges. Here are the motorcycle-specific laws in Arizona:

  • Minors under the age of 18 must wear safety helmets.
  • Eye protection is required unless the motorcycle has a windscreen.
  • There are laws regarding the use of headlights.
  • A passenger seat and footrest are required if carrying a passenger.
  • Periodic safety inspections must be performed.
  • When properly seated, the driver’s hands must be able to meet the grip of the handlebars.
  • Motorcyclists may drive abreast in the same lane.
  • Follow the rules of lane splitting.
  • There are lemon laws to protect consumers.