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Motorcycle Insurance

People who ride or want to ride a motorcycle in Arizona will first need to obtain adequate motorcycle insurance. The requirements for motorcycle insurance aren’t high in the state, but you must have the right amount of it. Starting from the bare minimum, at A Sun Country Insurance Agency, we want to help you figure out the right insurance options for your needs.

Arizona Motorcycle Insurance Requirements

Arizona requires insurance on all motor vehicles, including mopeds, certain golf carts, and motorcycles. You are required by law to have a liability policy that covers:

  • Death or bodily injury to a single person
  • Death or bodily injury to two or more people
  • Damage or destruction of property

These minimum requirements will get you and your motorcycle on the road, but you may want to look into what other options can help you. Keep in mind the bare minimum requirements have limits.

If an accident occurs, the damages involved can hit those limits easily. Once that happens, you may have to pay the remainder out of pocket for someone’s injuries or property.

Additional Motorcycle Insurance Options to Consider

To add to your coverage, you may want to consider some additional motorcycle insurance options for yourself and your motorcycle. Some choices to look at include:

  • Collision and comprehensive coverage for motorcycle repairs or replacement
  • Underinsured/Uninsured coverage for accidents involving those with inadequate insurance
  • Medical payment coverage for seeing to your own potential injuries

Some other, more specific options also exist, such as coverage for custom motorcycle parts and accessories.

Other Requirements to Ride a Motorcycle

In addition to insurance, the state will also require you to have a safety inspection, eye protection, and a helmet if you’re under 18 or riding with a permit. At A Sun Country Insurance Agency, we want you to ride safely with the comfort of knowing we have you covered should anything happen. To learn more about our motorcycle insurance options, or to request a quote, contact us or use our online rating tool today.


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