Independent since 2002 · 1M+ drivers served · 250+ locations across Texas, California & Arizona · Motorcycle coverage in Arizona
Reviewed by a licensed A-MAX insurance agent · Last updated: August 3, 2026
Arizona motorcycle insurance: what to know
Arizona requires liability coverage on your motorcycle, the same 25/50/15 minimum as cars. Coverage for your own bike is optional but often worth it.
Arizona minimum required: 25/50/15 liability
Optional: collision, comprehensive, uninsured motorist, and coverage for custom parts and gear
Year-round riding: Arizona's climate means more riding days, which carriers factor in
How to start: Online quote, call 602-268-2548, or visit a Phoenix or Yuma office.
Why Arizona riders choose A-MAX
A-MAX is an independent agency, so an agent compares 35+ carriers to find the right motorcycle coverage at the right price, including carriers built for riders that other companies decline. We have helped Arizona drivers and riders find affordable coverage since 2002.
Whether you ride a cruiser, a sport bike, a touring bike, or a trike, we can match you with coverage that fits your bike and your budget. Quote by phone, online, or in person at a Phoenix or Yuma office.
Motorcycle coverages we offer in Arizona
- Liability. Arizona's required 25/50/15, covering injury and damage you cause to others.
- Collision. Repairs or replaces your bike after an accident.
- Comprehensive. Covers theft, fire, vandalism, and weather damage.
- Uninsured/underinsured motorist. Protects you if a driver with too little coverage hits you.
- Custom parts and equipment. Coverage for aftermarket upgrades and accessories.
- Safety apparel. Some carriers cover riding gear damaged in a crash.
Not sure what you need? Call 602-268-2548 or visit an office. There is no charge to compare quotes.
Arizona motorcycle insurance FAQ
Is motorcycle insurance required in Arizona?
Yes. Arizona requires at least 25/50/15 liability coverage on your motorcycle, the same minimum as a car. Coverage for your own bike (collision and comprehensive) is optional.
How much does motorcycle insurance cost in Arizona?
It depends on your bike, your riding history, your ZIP, and the coverage you choose. Comparing carriers is the best way to find an affordable rate. Quote online or call 602-268-2548.
Can I insure a custom or modified bike?
Yes. Many carriers offer coverage for custom parts and equipment. Tell your A-MAX agent about your upgrades so they can quote the right limit.
Do you cover riders with tickets or a lapse?
Yes. A-MAX works with non-standard carriers built for riders other companies decline, including after a ticket, a lapse, or an accident.
Can I bundle motorcycle with auto?
Often, yes, and it can lower both. Ask an A-MAX agent to quote them together across 35+ carriers.
¿Ofrecen seguro de motocicleta en español?
Yes. Our Arizona team quotes motorcycle coverage in English and Spanish.
Helpful resources
Verify current requirements with the Arizona Department of Insurance and Financial Institutions. SR-22 filings go to the Arizona Motor Vehicle Division.
Visit our Arizona offices
Four offices, three in Phoenix and one in Yuma. Every location has at least one bilingual agent, Monday through Friday. Calling ahead at 602-268-2548 means your quote is ready when you walk in.
McDowell Rd, West Phoenix 5146 W McDowell Rd, Phoenix, AZ 85035 Mon–Fri 8:00AM–6:00PM Formerly Best Buy Insurance · MVD services on site · Driver License services on site Call 602-272-2300 Directions Office details
About this page
This page was reviewed by a licensed insurance agent on the A-MAX team. A-MAX has helped Arizona riders and drivers find affordable coverage since 2002. Meet our team → Last updated: August 3, 2026.
Disclaimer. This page is general information about motorcycle insurance in Arizona and is not insurance advice. Coverage, limits, exclusions, and pricing vary by carrier, policy, and your bike. Your A-MAX agent will confirm what a policy covers during your quote. For a binding quote, contact an A-MAX agent.