arizona motorcycle insurance

Did you know there are over 175,000 registered motorcycles in Arizona? If you love to ride in the Grand Canyon State, clearly you're not alone.

There are plenty of reasons to back up your good times with Arizona motorcycle insurance. Having the right coverage helps ensure a hairpin-turn gone wrong or rush-hour mishap won't dry up your savings.

With an Esurance policy, you can enjoy 24/7 claims service and affordable protection for your bike. Start your free Arizona motorcycle insurance quote today for coverage you can rely on.

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esurance motorcycle insurance discounts in arizona

Check out all the Arizona motorcycle insurance discounts we offer to help keep your premium down.

Recovery Device discount

Installing a recovery device such as LoJack® can provide peace of mind when your bike's unattended, especially in major hubs like Phoenix (ranked as the fifteenth-worst city for motorcycle theft in 2012).

As if that weren't reward enough, this protective measure can also qualify you for our Recovery Device discount, which provides savings of up to 5 percent on motorcycle insurance in Arizona.

Responsible Driver discount

The dry conditions in your area may limit gardening plans, but there's a silver lining to the local climate: ideal weather for safe motorcycling! And Arizona riders (with 2-plus years of experience) who go at least 36 months without an incident stand to save big.

Multi-Vehicle discount

Esurance motorcycle insurance covers more than just your hog. If you want to take your golf cart onto your state's renowned links or spend a day on the dunes with your ATV, we can cover those rides, too. And with the Multi-Vehicle discount, the more vehicles you insure with us, the more you save.

Paid-in-Full discount

With the Paid-in-Full discount, you can save money just by paying your entire premium up front when you purchase Arizona motorcycle insurance.

Homeowners discount

If you own your own home or condo in Arizona, in addition to paying your premium in full, the savings can jump.

The perks don't stop there. Other Arizona motorcycle insurance discounts include the Antilock Brakes discount, Association discount, Motorcycle Endorsement discount, Multi-Policy discount, Safety Course discount, and the Switch & Save® discount.

arizona motorcycle insurance requirements

Riders in your state must carry liability insurance, which helps pay others' property damage and injury costs if you're at fault in an accident, with at least the following limits:

  • $15,000 bodily injury coverage per person
  • $30,000 bodily injury coverage per accident
  • $10,000 property damage coverage per accident

Remember, this is just the minimum coverage. You can always opt for more protection when you get your Arizona motorcycle insurance quote.

optional motorcycle insurance in arizona

Riders in Arizona have a wealth of options with Esurance. We make it easy to tailor a policy around your riding habits by offering a diverse range of coverages.

Collision and comprehensive coverage

If you cause an accident, collision coverage is there to help get your motorcycle back in tip-top shape. And if you're facing non-collision threats, such as falling debris, theft, or a renegade roadrunner, comprehensive coverage will kick in to help fix the damage or replace your bike.

Uninsured or underinsured motorist coverage

Getting struck by an uninsured or underinsured driver can mean a surprise hit to your wallet if you don't have the right insurance. Thankfully, uninsured or underinsured motorist coverage can help cover your injury bills if the at-fault party doesn't have enough (or any) protection.

Medical payments coverage

No matter who's at fault in an accident, medical payments coverage has your back (and any other body parts left worse for wear). You or other covered riders on the policy can get funds for a variety of post-accident treatment, such as medical or dental work.

Enhanced injury coverage

This coverage (available when you purchase medical payments coverage) provides even greater financial assistance after an accident, including income reimbursement (up to a weekly limit) if injuries force you to miss work.

Optional equipment coverage

When you buy comprehensive coverage or comprehensive and collision coverage in Arizona, you get $3,000 automatically included to help repair or replace damaged custom equipment, such as sidecars and exhaust systems.

Personal contents coverage

For even more protection for your valuables, there's personal contents coverage. This helps repair or replace belongings you carry inside the vehicle, including safety gear, camping equipment, and much more.

You must have comprehensive and collision coverage to qualify.

Trip interruption coverage

With roughly 114,000 square miles, Arizona offers road warriors more space to roam than almost any state — all the more reason to take trip interruption coverage with you. If a mechanical failure or other covered loss befalls your bike more than 100 miles from home, you get:

  • $100 for lodging
  • $50 for alternate transportation
  • $50 for food

And that's per day until your bike is fixed ($500 limit per incident).

Towing and labor coverage

If you're stranded within 100 feet of the roadway, this coverage provides up to $100 for towing and on-the-spot labor, like battery jumps or fuel refills. When your location's a bit unfamiliar, nothing beats assistance you already know you can count on.

Transport trailer coverage

Motorcycle insurance in Arizona comes in handy even when it's not the bike that needs protecting. Transport trailer coverage goes toward damage your trailer suffers while hauling your motorcycle, ATV, or other covered vehicle.

Related links

Arizona car insurance
Learn how much auto coverage you need in Arizona and ways Esurance can help you save.

Preventing motorcycle theft
Stolen motorcycles are less than half as likely to be recovered as stolen cars (ouch). Hold onto your sweet chariot with these theft-prevention tips.

Get a motorcycle insurance quote and see how much you can save.

Or call 1-866-455-1980.