Motorcycle Insurance Mesa (AZ)

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We take pride in helping motorcyclists like you find the best policy and most competitive premiums possible. Enter your zip code to see which insurers offer coverage in Mesa.

Motorcycle Liability Coverage

This is required for all Arizona motorcyclists. It covers damage to property and personal injury for which you’re found at fault in an accident. Although it doesn’t protect you or your machine, it may protect your passenger if you’re riding two-up. You should ask your agent if you carry a passenger on a regular basis.

Collision Insurance for Motorcycles

This reimburses you for damage from a collision with another vehicle or object, regardless of who is at fault in the accident. Considering how expensive fairings and paint are to repair, collision coverage can help you save a bundle down the road.

Motorcycle Comprehensive Coverage

This pays for repairs to your motorcycle if it’s damaged in some way apart from a traffic accident. This can be from:

  • Mother Nature: Tornadoes, Hail, etc
  • Theft and Criminal Damage
  • Fire and Flood Damage

Basically, comprehensive covers most sorts of damage that aren’t the consequence of an accident.

Uninsured/Underinsured Motorist Coverage

Protection against uninsured motorists comes strongly recommended for motorcyclists in Mesa. That’s because almost 22% of Arizona drivers don’t possess any form of insurance. Since car or truck drivers are frequently to blame in wrecks involving motorbikes, it is vital to take care of oneself economically. Despite the fact that extra coverage could very well increase your Mesa motorcycle insurance premiums, it may be very well worth the additional price tag – this is especially true in case there is an automobile accident.

Motorcycle Insurance: Mesa, AZ Minimums

Arizona has legislation outlining the total amount of maximum liability you have to possess.

  • $15,000: bodily injury liability maximum for one individual injured in a crash
  • $30,000: bodily injury liability maximum for personal injuries to all people in one incident
  • $10,000: property-damage liability maximum for a single accident

Keep in mind that standard motorcycle liability insurance fails to cover the rider, the motorcycle, or any passengers. It only covers your legal vulnerability for damages suffered by third parties.

Motorcycle Insurance Quotes in Mesa

Motorcycle insurance rates vary greatly based on a number of factors. For example:

  • Make/Model of Bike.
  • Age and Driving Record.
  • Coverage Options.
  • Coverage Limits.

So that they can see what your rates will be, you will need to provide some of this data. Thankfully, we make it easy to do this on the web. Type in your zip code, and you will see a list of insurance carriers interested in covering Mesa motorcyclists. Choose the insurance providers that seem like a good fit, and review premiums and policies.

Eligible Motorcycles

Most any type of motorcycle can be covered with insurance. Here are several considerations for certain popular classes of motorcycle.

  • Sportbikes: As everyone knows, these can be incredibly costly to keep insured. After all, sport bikes are amazingly fast and prone to accidents. Your driving history will have a profound effect on the cost of insuring your sport bike. If you are in your teens or twenties, the rates will be massive. As you age, your rates decrease noticeably. Quite a few sportbike riders fail to invest in anything more than liability coverage, to help cut costs. However, this is not recommended, as sport bike bodywork can be particularly costly to replace.
  • Custom Builds:

    If your motorcycle has considerable aftermarket parts or handmade modifications, think about coverage to protect your investment. If you don’t have coverage, the replacement of most aftermarket or custom parts aren’t going to be included if there is an accident. Rather, you will only be covered for the blue book value of your bike.

  • Scooters: Sometimes riders forget to insure their scooters. Typically, these policies are quite reasonable, and worth the cost.
  • Dirt Bikes: Yes, you can and should insure your dirt bikes and four-wheelers. The good news is, such coverage is normally more economical than for street-legal bikes.

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