Motorcycle Insurance

Riding a motorcycle is a cost-effective and thrilling way to get around town and to explore surrounding areas. With the natural beauty and generally wonderful weather in Arizona, it makes sense to ride a motorcycle at least part of the time. Before you take off down the road, however, you need to ensure that you meet the state’s insurance requirements. Just as there are auto insurance requirements for drivers of cars, trucks, vans and SUVs, there are also motorcycle insurance. Minimum coverage is required for the same reason, and this is to ensure that you can take financial responsibility for any injuries or property damages that you cause while on your motorcycle. You could face legal trouble and take on unnecessarily financial risk if you are not properly insured, so it makes sense to learn more about the insurance requirements for motorcyclists in this state.


The Definition of a Motorcycle in Arizona

The first step to take is to determine if your vehicle is actually classified as a motorcycle and if it needs to be insured as such. In this state, a motorcycle is a motorized vehicle that is designed to travel at a speed greater than 20 miles per hour and that has at least a five-horsepower engine. It also must operate on one to three wheels. In most cases, a scooter is classified as a motorcycle for the purposes of insurance requirements, and a moped is not usually included in this classification. Because there are exceptions to these generalizations, however, it is wise to contact the Motor Vehicle Division in Arizona with questions to ensure that you obtain the right insurance that is required for your vehicle.

The Minimum Requirement for Motorcycle Insurance

If you have determined that your vehicle is considered to be a motorcycle and must be insured as one in this state, you need to understand what the requirements are for motorcycle insurance. In Arizona, all motorcycles must be insured by a policy that provides at least $10,000 in property damage liability coverage, at least $15,000 in personal injury liability coverage per person and at least $30,000 in bodily injury per accident involving two or more injured people. As you might imagine, these minimum coverage limits will not always pay for all accident-related expenses that a motorcyclist could be responsible for. After insurance limits have been exhausted, the motorcyclist pays for remaining expenses with personal funds. You can see that this could be financially burdensome to many motorists if a severe accident occurs.

Why Arizona’s Motorcyclists Should Consider Full Coverage

Arizona requires its motorists to be financially responsible for any expenses they create on the road regardless of the type of motorized vehicle that they are operating. Increasing your limits for liability insurance is one way to benefit from more coverage. You also should think about how getting full coverage from collision or comprehensive insurance as well as personal injury insurance can benefit you in specific instances. These are vehicular coverage types that specifically pay for the expenses that you incur related to your own vehicle’s repair work or replacement. You may also add personal injury protection and other optional motorcycle coverage products to make the policy more protective and beneficial.


Arizona motorcyclists face numerous risks on the road, and some of these risks could result in financial loss related to liability, personal injuries and vehicle or property damage. Some motorcycle insurance is required to minimize out-of-pocket expenses and to comply with state law, but you may consider buying more than the required amount of coverage in order to enjoy more substantial benefits.