Arizona is one of the best states in America for motorcycle riding — mild winters, stunning desert scenery, and iconic routes like Route 66, the Apache Trail, and the Sky Island Scenic Byway make Arizona a year-round riding destination. But Arizona's warm climate also means more miles ridden, more exposure, and the need for comprehensive motorcycle insurance coverage.
In 2026, the average Arizona motorcyclist pays approximately $700 per year for full coverage and around $210 per year for liability-only coverage — below the national average, reflecting Arizona's lower traffic density outside of the Phoenix metro.
Arizona Motorcycle Insurance Requirements
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $15,000 per accident
Year-Round Riding Considerations
Because Arizona riders log more annual miles than most states, comprehensive and collision coverage are especially valuable. Comprehensive covers theft, weather damage (hail during monsoon season), and animal collisions — all real risks for Arizona riders.
Get Your Free Arizona Motorcycle Insurance Quote
Sewell Insurance Agency is licensed in Arizona and serves riders across Maricopa, Pima, Pinal, and Yavapai counties. Our licensed brokers will find you the best motorcycle insurance rate for your Arizona riding profile.