Motorcycle enthusiasts don’t have to be told about the advantages of riding in Arizona; from wide open roads to scenery on a “Grand Canyon” scale, Arizona is a prime state for year round cruising. With all those miles to be ridden, high insurance costs aren’t something anyone wants to deal with. That’s why I made it my mission to pinpoint which company offers the best motorcycle insurance in Arizona.
While the state average is $673 a year, your premium cost can be all over the board (our quotes ranged from $51 to $1,156). For example: After 18 quotes from six different companies I found that I could save over $500 a year for the exact same policy. Rates can vary drastically not only depending upon which company you choose; but many different factors as well (including age, driving record, and credit score). All that’s to say that if you want the best coverage at the lowest price, you will need to compare multiple quotes for yourself. Below you’ll find a handy tool to help you get started.
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The Best Arizona Motorcycle Insurance
|Motorcycle Insurance Company||Best For…|
|Geico||Best for Experienced Riders|
I started my search by getting quotes from six standout companies uncovered in The Simple Dollar’s national review of the industry. I applied as myself: a 27 year-old married homeowner in Glendale. And because Arizona is the perfect place to enjoy seemingly endless open roads, I chose a well-suited a stallion: a 2013 Kawasaki Vulcan 900 Classic LT.
For the purpose of comparison, I got two different quotes with each company – one for the state-minimum coverage (15/30/10), and one for my recommended upgraded coverage (50/100/25 with uninsured/underinsured motorist coverage). I didn’t stop there, either. To see how big of a role age and experience played in each company’s premium, I got a third quote with the exact same information, except it was for my future 50 year-old self with 25 years of riding experience.
While my evaluation focused heavily on premium cost, I also considered numerous factors which boil down to four basic considerations: the quote process, available discounts, the claims process, and variety of coverage options.
After all was said and done, Progressive won the day. Not only did it score the highest on my evaluation of its customer service and other considerations (it scored 118 points out of a possible 130), it was also the cheapest option overall. Geico and Markel were the next two best options that both maintained a high standard of excellence and competitive pricing.
Here’s the breakdown of my quotes:
My Annual Premiums for State-Minimum Coverage (15/30/10)
|Motorcycle Insurance Provider||Price|
My Annual Premiums for Upgraded Coverage (50/100/25)
|Motorcycle Insurance Provider|| Profile 1:
27 year-old with 7 years of riding experience
| Profile 2:
50 year-old with 25 years of riding experience
Pennsylvania Motorcycle Insurance Reviews
Best Overall – Progressive
I was pleasantly surprised to find that Progressive didn’t just offer me the overall cheapest premium; it was also ranked number one by The Simple Dollar’s national review.
4.2 / 5.0
SimpleScore Progressive 4.2
My personal experience with the company was also stellar. For instance, I got three quotes in about 10 minutes, while Nationwide’s quote process for all three took closer to 30 minutes to navigate.
When it comes to coverage options, Progressive doesn’t skimp on a single detail — it was the only company that scored 18/18 in my coverage test. That means that vintage bikes, custom bikes, and trikes are welcome. (Geico and Markel will not cover trikes.) Plus, it includes $3,000 worth of coverage for accessories thrown in for zero dollars, which is something my other recommendations charge for.
When it comes to claims, Progressive takes full advantage of the internet by offering online and mobile app filing services — the latter of which Markel and Geico lack. And when it’s time to front some cash, J.D. Power gives Progressive an “About Average” rating in timely payments.
Progressive was cheapest for my recommended coverage and only $4 a year more for the state-minimum. When it comes to my future 50 year-old self, however, it was the second cheapest at only about $90 a year more than Geico.
Best for Experienced Riders – Geico
While Geico doesn’t rank quite as high as Progressive overall, its competitive pricing gave it a leg up on companies like Esurance and Nationwide.
For the older, more experienced me, Geico had the cheapest rate of all for my recommended coverage coming in at just $519 a year (almost $100 cheaper than the next cheapest rate offered by Progressive). Overall, if you are an older, more experienced rider, Geico is probably the company for you.
Unlike Progressive, Geico doesn’t allow you to submit a claim through an app, it simply directs you to a mobile-optimized website. Another downside is the meager discount offerings. While Progressive offers discounts for anti-lock brakes and anti-theft devices like LoJack, Geico does not. So if you have one of those two devices, or you want to take advantage of a “paid-in-full” discount, Progressive might be a better choice for you.
Markel: Cheapest for State-Minimum
Unlike Progressive and Geico, Markel specializes in providing insurance for motorcycles, as well as a few other specific markets – it doesn’t offer insurance for typical cars and homes. This does mean that it’s online tools aren’t quite as numerous or sleek as the competition. While you can get quotes online, it’s not a seamless process (I had to fill out the same information several times when I encountered a glitch), and it doesn’t currently offer an app.
You should also be aware that Markel doesn’t have local agents, so if you plan on sitting down in your agent’s office at some point to discuss your options in greater detail, Geico might be a better choice for you.
If you are simply interested in paying the least amount of money possible for the state-minimum insurance, Markel could be your best option. It came in at just $72 a year for bare-bones coverage, and was the third cheapest for the recommended coverage for older and younger riders.
The bottom line is this: If you want to spend the smallest amount of money possible for the least amount of insurance that’s legal, get a quote from Markel.
How much coverage do I need in Arizona?
The State Minimum
Unlike a few other states (like Washington State), Motorcycle riders in Arizona are required to purchase insurance. However, the limits of the mandatory liability insurance aren’t too strict – only $15,000 per person and $30,000 per incident for personal injuries caused, and $10,000 for property damage. Usually these limits are written as “15/30/10.”
My Recommended Coverage
Since my recommended coverage costs about $600 more a year, you might already be counting the ways you could spend that money. I highly recommend you resist the urge to go that route. Here’s why: in 2011, the average cost of a non-incapacitating injury cost $22,700 – meaning that, after your insurance company paid out $15,000, you would still have to come up with $7,700 out of your own pocket. In my mind, that’s a clear cut reason to go with higher liability limits.
My recommended coverage is $50,000 per person and $100,000 per accident for personal injuries, and $25,000 for property damage. This is expressed as 50/100/25. I also highly recommend securing “uninsured motorist” and “underinsured motorist” coverage at $50,000 per person and $100,000 per accident. In my quotes, I also included comprehensive and collision in my recommended coverage.
The main cause of the $600 to $1,000 difference between the state-minimum and my recommended coverage is uninsured/underinsured motorist coverage. Think about it: insurance companies know the highest risk of a large payout comes into play when an uninsured or underinsured driver hits someone on a motorcycle. That’s also the exact situation in which you will most need to rely on your insurance coverage.
If you aren’t convinced yet, consider this statistic: 10.6 percent of drivers in Arizona are uninsured. While it might seem at first glance that the chance of the person that just hit you on your motorcycle being uninsured is 1 in 10, your odds may actually be higher. Drivers who are irresponsible enough to let their insurance policies expire, may also tend to be more irresponsible when driving and thus more likely to get in an accident.
Another factor to consider is that the minimum liability insurance that drivers must carry is only $15,000. Since the chances of a disabling injury for you are obviously much higher if you are on the back of a motorcycle (rather than an enclosed vehicle with airbags), and the average disabling injury costs $80,700, $15,000 might not be enough to pay your medical bills. That’s where “underinsured motorist” coverage comes into play – if you were to get in a disabling accident and racked up medical bills into the $75,000 range your insurance will make up the difference between the $75,000 and the $15,000 you get from the offender’s liability insurance.
At the end of the day, even if you are an experienced and careful rider, you can’t control other people’s actions. Most riders that have been on the road for more than a few months can share stories of “near-misses” that could have resulted in serious injury. To put it in perspective, a report by The National Department of Transportation establishes that 143 riders will killed between 2004 and 2013 in Arizona. Now think about how many more got seriously injured!
The bottom line is that, while saving a cool $600 a year sounds great, the risk of amassing tens of thousands of dollars in medical debt is too great for me to recommend state-minimum coverage as a financially sound decision.
Here’s a comparison of the line of coverages offered by my top three recommendations:
|Uninsured Motorist Coverage||✓||✓||✓|
|Guest Passenger Liability Coverage||✓||X||✓|
|Medical Payments Coverage||✓||✓||✓|
|Property Damage Liability Coverage||✓||✓||✓|
|Actual Agreed Value Coverage||✓||X||X|
|Custom Motorcycle Coverage||✓||✓||✓|
Too long, didn’t read?
The open road is calling your name, but to enjoy it worry-free, you will want to be sure that you have the right coverage – and that you aren’t overpaying. Progressive and Geico stand out as the companies that are most likely to give you great service and the cheapest rates, while Markel could be cheapest if you just want bare-bones coverage. And remember: getting multiple quotes is the only way you can be sure that you are getting a competitive price.
The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:
- Coverage options
- Customer satisfaction
You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.
Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.
Why do some brands have different SimpleScores on different pages?
To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.
We looked at the number of discounts each company offers — more discounts mean a higher score.
We awarded higher scores to the companies that have the most coverage options.
We awarded higher scores to lenders with the most channels for customer support.
We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)
We looked at the level of accessibility of each company –– the more resources they have the higher their score.