Motorcycle insurance in Arizona averages around $768, surpassing the national average of $519.
Motorcycle drivers in Arizona typically incur an annual insurance cost of around $768, equivalent to $64 per month.
This amount slightly exceeds the national average.
The reason for this is the year-round riding prevalent in Arizona, necessitating insurance coverage for all 365 days.
Top Motorcycle Insurance Companies in Arizona
Numerous insurance companies offer motorcycle insurance in Arizona.
Depending on the chosen carrier, you may secure more affordable rates or enhanced discount opportunities. Certain insurers also provide superior overall coverage options.
Progressive provides some of the most affordable motorcycle insurance in Arizona, with average rates of just $22 per month or $264 per year for full coverage.
This is significantly lower than the rates offered by most other carriers in the state.
Progressive offers various discount options, as well as additional features such as custom parts protection, enhanced injury protection, and roadside assistance coverage.
Dairyland is another excellent choice for cost-effective motorcycle insurance in Arizona, offering policies at an average of $27 per month or $324 per year.
While Dairyland’s rental reimbursement coverage and roadside assistance coverage come at an extra cost, they make it one of the top options for riders who use their motorcycles as their primary mode of transportation.
For military members, veterans, and their families, USAA offers motorcycle insurance at a 5% discount compared to Progressive, the carrier through which USAA sells the coverage.
This means policyholders can enjoy an average cost of just $21 per month or $252 per year.
In addition to competitive rates, USAA has consistently received excellent customer service ratings.
Cost of Motorcycle Insurance in Arizona
The annual average cost of motorcycle insurance in Arizona amounts to $588.
However, it’s essential to recognize that individual rates are determined based on specific factors.
Therefore, this average serves as a rough estimate of potential expenses.
Several elements can impact the overall cost of your motorcycle insurance policy in Arizona, including:
1. The motorcycle’s value, make, model, and year.
2. Your age and occupation.
3. Your years of riding experience and traffic citation history.
4. The estimated annual mileage for your motorcycle.
5. The chosen deductible amount.
To ensure that you secure a competitively priced policy, reaching out to multiple insurance providers for personalized quotes is recommended.
Independent insurance agents in Arizona can facilitate this process, making it convenient for you to compare options and make an informed decision.
Arizona Motorcycle Insurance Cost by City
Your motorcycle insurance rates in Arizona are influenced by the city of residence due to factors like local traffic rates, theft rates, and vehicle values.
The table below provides average monthly motorcycle insurance rates for major cities in Arizona:
| Major Arizona City | Average Cost of Motorcycle Insurance Per Month |
|---|---|
| Chandler | $60 |
| Flagstaff | $43 |
| Goodyear | $58 |
| Mesa | $68 |
| Phoenix | $64 |
| Prescott | $44 |
| Scottsdale | $58 |
| Sedona | $45 |
| Surprise | $57 |
| Tempe | $62 |
Depending on your city of residence, you may experience significant variations in the cost of coverage compared to other locations.
Arizona Motorcycle Insurance Discounts
Numerous motorcycle insurance providers in Arizona extend discounts and incentives to qualifying policyholders.
You can potentially secure rate reductions by undertaking a certified motorcycle safety course, holding membership in a qualifying organization or riding association, being a homeowner, paying your annual premium in full, and bundling your motorcycle insurance with other policies such as car insurance, home insurance, or renters insurance.
Collaborating with a dedicated independent insurance agent ensures that you maximize your entitled discounts on motorcycle insurance in Arizona.
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