Arizona Motorcycle Insurance

AZ Motorcycle Coverage

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According to the Arizona Department of Transportation:

”Arizona requires that every motor vehicle operated on roadways be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance, through a company that is authorized to do business in Arizona.”

Additionally, Arizona is an ”at fault” state, making drivers liable both criminally and civilly if they are found to be at fault in an accident. Without the appropriate motorcycle insurance coverage, you could lose everything you have worked hard for as a result of lawsuits filed if you are found at fault in an accident. Let’s have a look at how the state defines a motorcycle for law enforcement and insurance purposes, some of the required equipment to make your bike street legal, as well as the coverage levels you may need.

Sure, to the average person, what makes a motorcycle is obvious, but every state clearly defines one for law enforcement and insurance purposes. In Arizona, a motorcycle is…

”Any motor vehicle with a seat or saddle, no more than three wheels, and has an engine displacement of 50 cc or larger.”

Two or three-wheel vehicle that fall below these requirements are considered to be a motor-driven vehicle.

AZ Street-Legal Motorcycle Requirements

You may ride for hours without encountering a paved surface in many rural areas of Arizona. Despite the openness of the state, you may need to take your bike on-road on some occasions. In those instances, you and your bike must have certain equipment in order to be considered street legal. That equipment includes:

  • Eye protection: required unless your bike has a windscreen. The size of the windscreen is not specified.
  • Handlebar height: according to section 28-964c of the Arizona revised code, the hands of the operator must not be above shoulder height when the operator is sitting on the seat.
  • Helmet: required for operators and all passengers under 18 as well as everyone with an instruction permit.
  • Mirrors: only one is required.
  • Turn Signals: not required.
  • Passenger Seat/Footrest: both are required if carrying a passenger.
  • Headlight: Daytime headlight use required, but a modulating daytime headlight can be used.
  • Muffler: required and no cutout, bypass or similar devices are allowed. Noise level restrictions can be found in R17-4-61 of the legal code.
  • Safety Inspection: required. May be conducted on-road during a traffic stop or at Arizona Highway Patrol stations.

AZ Motorcycle Insurance: Minimum Coverage Amounts

Virago Cafe Racer by Roberts Performance Group
Virago Cafe Racer by Roberts Performance Group

Arizona motorcycle insurance is governed by a number of statutes. These statutes require that owners carry a liability policy with the following coverage amounts:

  • $15,000 for death or bodily injury to one person;
  • $30,000 for death or bodily injury to two or more persons; and
  • $10,000 for damage or destruction of property.

These coverages only protect other persons when you are at-fault. As you can see from the minimum limits, there are going to be costs leftover after basic insurance pays its limit. All damages above those caps will be your personal responsibility. Also, what happens to you if you are injured or the other driver is at fault, but doesn’t have insurance?

Recommended Coverages

AZ Motorcycle Insurance

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The minimum coverages required by the state of Arizona are nowhere near adequate even in a minor accident. A single night in the hospital could eat up the limits of a base policy. That is why you should always carry additional coverage. If you have a lien against your bike, your lender will require better coverage as a condition of the loan. Even if you own your bike free and clear, you should consider having the following coverages in place:

Collision coverage: this protection covers your bike in an accident whether it is your fault or not. This type of policy may or may not include uninsured/under-insured coverage. If it doesn’t be sure to add it on.

Uninsured/Under-insured motorist coverage: at 22 percent, Arizona has one of the highest rates of uninsured motorists in the United States, making uninsured motorist coverage necessary. This coverage makes sure you and your bike are protected against an uninsured driver or when an at-fault driver’s insurance is inadequate for the damages.

Comprehensive coverage: this protection covers items like fire, wind, water, theft, and vandalism.

Bodily injury coverage: this protection covers certain costs if you injure or kill someone in an at-fault accident. This policy covers your passenger as well as people in other vehicles.

Medical payment coverage: this covers items such as prescription drug payments; dental care; medical co-payments and deductibles from other health coverage policies; home nursing care, or funeral expenses for you.

If you ride a custom bike, you will want to consider additional coverages. The two main policy types for custom motorcycles are:

Accessories coverage: the accessories on a custom bike include saddlebags, backrests, seats, and chrome pieces, but not helmets. In many instances, you must have comprehensive or collision coverage in force in order to have an accessories policy.

Custom parts coverage: with some companies this may be part of other coverage, with others it must be purchased separately. This will cover items that are unique like handmade tanks and pipes.

We have created an easy to use tool to so that you can get quotes for the Arizona motorcycle insurance that you need. All you need do is enter your zip code to get started.

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