Lowest Insurance Rates In Arizona - Progressive offers the most affordable motorcycle insurance in Arizona. The company average is $506 a year, $262 less than the state average.
In Arizona it is illegal to ride a motorcycle without insurance, but that does not mean you have to purchase the minimum coverage required by state law. We searched 254 places in Arizona and found an average of $768.
Lowest Insurance Rates In Arizona
After receiving hundreds of quotes from all over Arizona, we have determined the best motorcycle insurance companies for different groups of buyers.
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To contact a motorcycle insurance provider in your area, use the Word Box tool or continue reading our review of the best providers in Arizona.
That's slightly more expensive than the annual cost of motorcycle insurance, which we estimate is $721.
The best motorcycle insurance for most Arizona drivers is Progressive, which offers a variety of helpful coverage and low rates. Notably, Progressive's policy comes with replacement cost coverage and $3,000 in standard parts coverage, with the ability to add up to $30,000.
On average, progressive motorcycle insurance costs $506 per year, about 34% less than the average cost of coverage in Arizona. The company also boasts some of the best customer service ratings in the state, receiving fewer complaints than any other company we've collected quotes from.
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You may be able to lower your premium by taking advantage of progressive discounts, which are available to most motorists. For example, you can lower the price if you request a quote at least one day in advance, have a motorcycle license or consent, or decide to sign up for self-payment, among others.
In addition to getting the basic coverages that come with standard motorcycle insurance from Progressive, you can also purchase a variety of additional coverages. You can also choose to include the following in your motorcycle insurance policy:
Dairyland offers several important features that can help those who use bicycles as their primary mode of transportation.
Riders who use motorcycles as their primary mode of transportation have certain needs and should consider Dairyland as an option to meet them. Two of the features, rental reimbursement and roadside assistance, can be especially useful for those who are on the road for most of the day.
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Rental reimbursement provides money to rent a car for 30 days while your motorcycle is repaired. Roadside assistance includes 24/7 towing, plus service for events such as battery issues, flat tires, or mechanical issues.
This combination can be important if you don't have another car for daily use and can keep you on the road if something goes wrong.
You have to pay more for these services. Dairyland's basic coverage in Arizona costs $923 per year. It's not the most expensive option we found, but it's $158 more than the state average.
Arizona ranks 17th of all states with active military within its borders. This group can get premium motorcycle coverage through USAA. The company offers policies for the military, veterans and some of their families.
Who Has The Best Cheap Motorcycle Insurance In Arizona?
USAA motorcycle coverage goes through Progressive, but at a 5% discount. Progressive already offers deep discounts and coverage options, and already has the lowest rates in the state.
USAA typically advertises to riders online or over the phone, so Arizonans may not be able to purchase coverage through the agency.
We evaluated over 250 quotes in three categories to determine the best motorcycle insurance providers in Arizona. The best motorcycle insurance companies have three common characteristics:
Your motorcycle insurance should be affordable so you can consider purchasing additional coverage if you wish. However, even without endorsements, the policy should provide sufficient coverage without the need to purchase more. Your motorcycle insurance company must be able to meet the needs of its policyholders and respond fairly to claims.
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Price is often the deciding factor for many people comparing motorcycle insurance companies. We collect cost information by requesting quotes from addresses throughout Arizona to estimate the cost of coverage in the state.
The price quoted when comparing motorcycle insurance rates depends on a few things: your car's history, the type of bike you want to insure, and the amount of coverage you've purchased. This means that if your profile is different from the sample driver we collect quotes from, your rates may be different.
We obtained a motorcycle insurance policy for a 45 year old homeowner with 20 years of motorcycle experience. Our sample data sought to insure a 2021 Harley-Davidson FLHX Street Glide. We purchased more coverage than was legally required for Arizonans, exceeding liability insurance law requirements to include coverage to protect the motorcycle itself.
In addition to providing more than enough coverage to meet the minimum legal requirements in Arizona, all of our recommended providers offer a variety of additional services you can purchase to customize your motorcycle insurance.
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Before deciding on a motorcycle insurance provider, you should consider whether an insurer offers applicable coverage that allows you to increase or decrease your coverage limits and purchase helpful support if your needs change.
We compared two indicators to find out which Arizona motorcycle insurance companies have the best customer service: the Complaint Index administered by the National Association of Insurance Commissioners (NAIC) and the A.M. Best's Financial Strength Rating (FSR).
NAIC Complaint Rate: The NAIC measures the number of complaints an insurer receives relative to its market share. The expected ratio is expressed as 1.0, that is, if a company's complaint rate exceeds 1.0, it receives more complaints than its size.
AM. Best financial rating: A.M. It is best to assess the insurance provider's ability to meet its financial obligations, especially in the event of a natural disaster or economic downturn. Most of the companies occupy the first places in A.M. The best, but this tool can help you know which providers may be a financial risk.
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The data we collected in this survey allowed us to find motorcycle insurance rates in many Arizona cities and counties. The table below shows this information, with each city's difference from the state average of $765.
The most expensive city for motorcycle insurance in Arizona is Glendale, where coverage costs $1,035 per year. On the other hand, Fountain Hills is the cheapest city for motorcycle coverage. You can buy motorcycle insurance in Fountain Hills for an average of $634 a year, below the national average of $721.
Arizona requires motorcyclists to obtain the same auto insurance coverage as regular drivers. If you don't want to buy insurance, you can show a bond, certificate of deposit, or cashier's note worth more than $40,000.
If you are not covered, the Arizona law enforcement office receives a notification from your insurer. After receiving this alert, the administrator will ask you to check the status of it. Without motorcycle insurance, your registration and license may be suspended. You may need to pay a fee and bring an SR-22 form.
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You must obtain a Class M motorcycle license if your bike has an engine larger than 100cc. You must be at least 16 years old to apply for a motorcycle license or endorsement. If you are under 18, you must have a teaching permit for six months before you can receive legal certification.
Applicants must pass a written test and complete a closed competency test before being licensed. If you do not pass the written portion of the exam, you may retake it three times in a 12-month period before paying another entrance fee. If you are under 18, you must also complete a driver's education program and have a parent or guardian certify that you have completed at least 30 hours.
For this study, we collected 254 citations from ZIP codes throughout Arizona. Our listing is for a 45 year old male driver of a 2021 Harley-Davidson FLHX Street Glide. Our sample driver is a married owner with 20 years of motorcycle experience. Each of these features will affect the price of his policy.
To get an insurance quote over the phone, call: (855) 596-3655 | Agents Available 24/7! The cheapest auto insurance policies in Tucson, Arizona are found at AAA and Geico, according to our research.
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The cheapest minimum coverage policy is $659 with AAA, while the cheapest full coverage policy is $1,766 at Geico. You can compare this to the annual cost of $1,318 for the minimum policy in Tucson and the cost of $2,825 for the full coverage policy.
The best way to save money is to compare rates across multiple insurers. Your driver profile, accident history, and credit score may also affect these terms.
The company with the cheapest liability policy costs $2,000 less than the insurer with the least expensive coverage, which shows why drivers need to compare quotes from multiple companies.
The lowest premium insurer for most people is AAA, which has
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