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ARIZONA MOTORCYCLE INSURANCE


Nothing beats the thrill of riding in Arizona—the vast desert highways, red rock backdrops, and sunsets that stop you in your tracks. But out here, freedom needs protection.

Whether you cruise the Sonoran flats or lean into the curves of Oak Creek Canyon, Harley-Davidson® Insurance offers Arizona motorcycle insurance built for riders like you. With types of coverage that fit your lifestyle and discount options that reward smart habits, we make it easy to protect your ride—and your wallet.

Protect your ride—get a personalized quote now.

WHAT ARE THE MINIMUM MOTORCYCLE INSURANCE REQUIREMENTS IN ARIZONA?

Whether you're commuting through Phoenix or carving up mountain passes near Sedona, carrying the state-required motorcycle insurance policy helps ensure you're riding within the law—and protecting yourself and others.

Riding uninsured in Arizona can result in fines, license suspension, and vehicle impoundment.

Mandatory Motorcycle Coverage:

  • Bodily Injury Liability Coverage: Minimum of $25,000 per person and $50,000 per accident.

  • Property Damage Liability Coverage: Minimum of $15,000 per accident.

Often referred to as 25/50/15 coverage, these coverages are designed to pay for injuries or property damages you cause to others in an insurance incident. They do not cover your own medical bills or damage to your bike—that's where optional coverage comes in.

Proof Of Insurance:

In Arizona, you’re not just required to have motorcycle insurance—you’re expected to prove it. Riders must carry valid proof of insurance at all times when operating their motorcycle. This proof can be shown:

  • Via a printed insurance card

  • On a mobile device, such as a smartphone app or digital file

Additional Considerations:

Arizona may let you ride with just the minimum insurance coverage, but the desert scenery and open highways demand better protection. Think of it as gearing up—your motorcycle insurance should match the freedom of the ride. Higher limits give you peace of mind in the event of a serious mishap.

RIDE SMART, SAVE MORE: MOTORCYCLE INSURANCE DISCOUNTS IN ARIZONA

Available Motorcycle Insurance Discounts for Arizona Riders:

Riders in the Grand Canyon State can take advantage of a range of motorcycle insurance discounts. The below discounts can provide up to 50% or more in savings per year as your policy ages.

  • H.O.G.® Member Discount

  • H-D™ Riding Academy Graduate Discount

  • Military and Law Enforcement Discount

  • Multi-Cycle Discount

  • Home Ownership Discount

  • Prompt Payer Discount

  • Claim-Free Renewal Discount

  • Loyalty Discount

GET AN ARIZONA MOTORCYCLE INSURANCE QUOTE

Arizona riders know the freedom of the open road—and the value of smart savings. With Harley-Davidson® Insurance, you’re not just getting coverage—you’re getting a partner who knows what riding means in the desert Southwest.

Ready to ride protected?

Get the Arizona motorcycle insurance coverage you need—plus the savings you deserve. Start your free quote today and hit the road with confidence.