Arizona Motorcycle Insurance Basic Information


Arizona requires drivers of any motor vehicle being operated on Arizona roadways to demonstrate financial responsibility for their motor vehicle. This includes golf carts, motorcycles and mopeds.


The only statutory (or 'legally acceptable') form of proving financial responsibility for your vehicle in Arizona is liability insurance, unless you own ten or more vehicles. In order to be sufficiently protected, Arizona motorcycle riders must purchase a motorcycle liability insurance policy through a company that is authorized to do business in Arizona.


We offer free quotes on Arizona motorcycle insurance policies both liability and full coverage

Liability Motorcycle Insurance: Minimum Financial Responsibility Limits

Liability motorcycle insurance, and other auto liability insurance policies must be prepared to award at least the following coverage amounts in order to satisfy state motorcycle insurance requirements:

  • $15,000 bodily injury liability for one person in a single accident

  • $30,000 bodily injury liability for two or more persons in a single accident

  • $10,000 property damage liability

These minimum motorcycle insurance amounts are only applied toward damages and costs associated with the injuries or property damage sustained by other parties.

This means that Arizona liability motorcycle insurance will never protect you from your own medical bills or motorcycle repair costs.


To get better coverage that will always take care of you and your passenger no matter who is at fault in an accident, visit our full coverage motorcycle insurance page.

Uninsured Riders: Do I Have to Buy Motorcycle Insurance


For the owners of 10 or more vehicles, there is always the option of self insurance.


By paying a self-insurance fee, any individual who owns at least 10 vehicles is allowed to assume risk for all of their actions on Arizona roads without purchasing an auto liability policy. This is a very risky maneuver considering just one day in the hospital can easily cost more than 10,000.00, and without insurance, the driver or rider must pay every penny of medical bills and property damages from their own pocket.


Arizona Law enforcement officers may ask you for proof of insurance during traffic stops or after traffic accidents. Insurance companies are also required to notify the Arizona Department of Motor Vehicles of all insurance policy cancellations, non-renewals, and new policies. If your insurance company informs us that your motorcycle insurance policy is no longer active, we will send an inquiry notice to verify the status of your motorcycle insurance policy.


Failure to maintain insurance could lead to the suspension of your vehicle registration and/or driver license. To reinstate these privileges, fees and future proof of financial responsibility must be filed with us. The future proof requirement is most commonly an SR22 form from an insurance company. This can be expensive to the vehicle owner, especially since the law requires the owner to carry the SR22 for three years from the date of suspension.


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More Information on Arizona Motorcycles:

To learn a little about the Arizona motorcycle culture and a few of the Arizona Motorcycle clubs check out the list of motorcycle clubs at AZCMC.com

For legal information about riding motorcycles in Arizona, consult the official Arizona page of the American Motorcycle Associations website.