Motorcycle Insurance in Arizona

From the red rocks of Sedona to the streets of Phoenix, Arizona offers some of the most scenic rides in the country. Make sure you’re protected every mile with motorcycle insurance from GEICO. Whether you're a daily commuter or weekend explorer, we offer a variety of coverage options, low rates, and trusted support so you can focus on the ride.

Is Motorcycle Insurance Required in Arizona?

Yes, to legally ride in Arizona, you must carry motorcycle liability insurance. You will also need proof of insurance to register your bike with the state. Riding without coverage could lead to a $500 fine and a 3-month suspension of your license and registration, or your motorcycle being impounded.

GEICO makes staying compliant easy, with digital ID cards, quick quotes, and policies that meet all state minimums.

Learn more about your motorcycle insurance options with GEICO.

Minimum Motorcycle Insurance Coverage Requirements in Arizona

Coverage Type	What It Covers	Arizona Minimum Limits
Bodily Injury Liability	Injuries to others in an accident	$25,000 per person / $50,000 per accident
Property Damage Liability	Property damage you cause	$15,000 per accident
Uninsured/Underinsured Motorist	Injuries if the other driver is uninsured	$25,000 per person / $50,000 per accident (if required)

Optional Motorcycle Insurance Coverages in Arizona

Not all accidents are the same. GEICO offers a variety of optional coverages that are tailored to your needs and make sure you're covered in almost any situation:

Collision Coverage: If you’re involved in a crash, this option helps pay for the repairs to your bike.
Comprehensive Coverage: Protects you from non-collision incidents such as theft, vandalism, or damage caused by weather conditions.
Towing Coverage: Whether you’ve got a flat tire or need a jump start, this coverage helps get you back on the road.
Accessory Coverage: Customizations on your bike can be costly. GEICO offers accessory coverage starting at $2,000 if damage occurs,-- including Safety Riding Apparel in AZ-- but you must carry comprehensive or collision coverage on your policy to qualify.
Carried Contents Protection: Covers the personal items you store on your motorcycle, from helmets to backpacks, in case of loss or damage.
Medical Payments Coverage: Assists with medical expenses for you and your passengers after an accident.

*Discounts stack subject to minimum premium amounts that vary by product and by state.

How Much Does Motorcycle Insurance Cost in Arizona?

Your age, the type of motorcycle you ride, how long you’ve been driving, and where you live in Arizona can all determine what you may have to pay for your premium.

Age and Riding Experience: Younger, less experienced riders may face higher premiums.
Bike Type: Standard bikes typically cost less to insure than sport models.
Location: Areas with higher theft or accident rates can lead to increased premiums.
Driving History: A history of claims or violations can raise costs.
Coverage Selections: Choosing higher limits or additional coverages increases the premium.

GEICO provides affordable motorcycle insurance and flexible payment options to suit your needs.

Discounts on Motorcycle Insurance in Arizona

We offer multiple motorcycle insurance discounts at GEICO, so you can get quality coverage at a cost that works for you. Explore these discounts and see how much you could save on motorcycle insurance in Arizona.

Motorcycle policy transfer: Up to 10% discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
Multiple motorcycles: Up to 10% discount if you insure more than one motorcycle.
Mature riders: Up to 20% discount for mature riders.
Insurance renewal: Up to 10% discount when you renew your motorcycle insurance with GEICO® Motorcycle.
Safety course: Up to 10% discount for completing a Motorcycle Safety Foundation or Military Safety Course.
Instructors: Up to 20% discount if you are a current Motorcycle Safety Foundation instructor.
Multi-policy: Up to 10% discount on your motorcycle policy if you also insure your car or RV with GEICO.

Why Choose GEICO for Motorcycle Insurance in Arizona?

GEICO makes it easy to enjoy every ride, fully covered in Arizona. With coverage options that fit every kind of bike and budget, our policies offer flexible coverage, great rates, and trusted support backed by a reputation riders trust. It’s easy to see why riders choose GEICO for their motorcycle insurance needs.

Fast claims process

We make filing a claim easy and hassle-free so you can get back on the road quickly.

Coverage for a wide range of bike types

Whether you ride a cruiser, sport bike, touring motorcycle, or scooter, we’ve got coverage that fits.

Low rates & great discounts

Get high-quality protection at a price that won’t slow you down, with plenty of discount opportunities.

Flexible payment options

Choose a plan that fits your budget and payment schedule, including online, mobile, or automatic payments.

Get a Free Motorcycle Insurance Quote in Arizona

Arizona riders deserve coverage that goes beyond the basics. Arizona requires certain motorcycle coverage by law, but the right policy can do so much more. GEICO makes it simple to build a policy that fits your lifestyle and budget.

Get a free quote today, or connect with a GEICO motorcycle specialist to personalize your policy.