With its scenic roads, diverse terrain, and warm climate – Arizona is an ideal destination for motorcycle enthusiasts.
To legally operate a motorcycle in Arizona, you must have insurance coverage that meets requirements in the “Grand Canyon State.”
These requirements help protect riders and other parties involved in accidents or collisions, ensuring financial responsibility for damages and injuries.
Arizona Motorcycle Insurance Minimum Requirements
To satisfy Arizona’s motorcycle insurance requirements, your policy must include the following coverage limits:
- $25,000 bodily injury liability per person
- $50,000 in total bodily injury per accident
- $15,000 property damage liability
Though these minimum coverage amounts are reasonable, it may be smart to consider additional coverage.
Note: Motorcycle insurance requirements in Arizona are documented by the ADOT (Arizona Department of Transportation). These requirements may change in the future.
Motorcycles & Two-Wheeled Vehicles Defined in Arizona
Arizona classifies motorcycles, motor-driven cycles, and motorized bicycles as two-wheeled vehicles requiring insurance.
The Arizona Revised Statutes provide the following legal definitions for motorcycles and two-wheeled vehicles:
- Motorcycle: A motorcycle is defined in Arizona Revised Statutes Section 28-101(26) as “a motor vehicle that is designed to travel on not more than three wheels in contact with the ground and is equipped with a seat or saddle for the use of the rider.”
- Motor-driven cycle: A motor-driven cycle is defined in Arizona Revised Statutes Section 28-101(27) as “a motor vehicle that is designed to travel on not more than three wheels in contact with the ground and is equipped with a saddle or a seat that is designed to be used by the operator.”
- Motorized bicycle: A motorized bicycle is defined in Arizona Revised Statutes Section 28-101(29) as “a bicycle that is equipped with a motor that has a maximum power output of not more than 750 watts, is incapable of propelling the bicycle at a speed greater than twenty miles per hour on level ground and conforms to the equipment requirements prescribed by the United States consumer product safety commission.”
It is important to note that all motor vehicles, including motorcycles, motor-driven cycles, and motorized bicycles, must comply with Arizona’s laws and regulations regarding registration, licensing, and insurance.
Non-car vehicles requiring insurance in AZ
In Arizona, non-car vehicles that require insurance coverage include:
- Motorcycles: All motorcycles, including those with three wheels or more, are required to have liability insurance coverage.
- Motor-driven cycles: Motor-driven cycles, which are defined as motor vehicles with a saddle or seat designed to be used by the operator and with an engine displacement of more than 50cc but not more than 149cc, are also required to have liability insurance coverage.
- Motorized bicycles: Motorized bicycles that have a motor with a maximum power output of more than 750 watts and can travel at speeds greater than 20 miles per hour on level ground are considered mopeds in Arizona and are required to have liability insurance coverage.
- ATVs and UTVs: Off-road vehicles such as ATVs (all-terrain vehicles) and UTVs (utility task vehicles) are required to have liability insurance coverage if they are used on public lands in Arizona.
- Golf carts: Golf carts that are operated on public roads or highways in Arizona are required to have liability insurance coverage.
It is important to note that these non-car vehicles must comply with the same insurance requirements as other motor vehicles in Arizona.
Common Arizona Motorcycle Laws
In addition to insurance requirements, Arizona has specific laws and regulations for motorcycle riders:
- Helmet law: All motorcycle riders and passengers in Arizona are required to wear helmets that meet or exceed federal safety standards. (Arizona Revised Statutes Section 28-964)
- Eye protection: Arizona law requires all motorcycle riders to wear some form of eye protection, such as glasses, goggles, or a face shield. (Arizona Revised Statutes Section 28-964)
- Lane splitting: Lane splitting, which is the practice of riding a motorcycle between lanes of traffic, is not specifically addressed in Arizona law. However, the Arizona Motorcycle Operator Manual advises against lane splitting and suggests that riders wait in traffic like other vehicles.
- Handlebar and seat laws: Arizona law limits the height of handlebars on motorcycles to no more than 15 inches above the seat. The law also requires that motorcycle riders have a seat that is permanently attached to the frame of the vehicle. (Arizona Revised Statutes Section 28-964)
- Footrests: Arizona law requires motorcycles to be equipped with footrests for passengers. (Arizona Revised Statutes Section 28-922)
- Headlights: Arizona law requires motorcycles to have at least one headlight that is on at all times while the vehicle is in operation. (Arizona Revised Statutes Section 28-947)
- Turn signals: Arizona law requires motorcycles to be equipped with turn signals, and riders must use them when turning or changing lanes. (Arizona Revised Statutes Section 28-922)
- Passenger age: Arizona law prohibits motorcycle riders from carrying passengers who are under the age of 8. (Arizona Revised Statutes Section 28-892)
- Exhaust noise: Arizona law requires all motorcycle exhaust systems to be equipped with mufflers and prohibits the modification of exhaust systems to increase noise levels beyond that which is generated by the original equipment. (Arizona Revised Statutes Section 28-955)
- Endorsement: In order to legally operate a motorcycle in Arizona, a rider must have a motorcycle endorsement on their driver’s license. (Arizona Revised Statutes Section 28-3153)
Additional Coverage for Arizona Riders
While liability insurance is the only insurance coverage required by law for motorcycles in Arizona, there are several additional recommended insurance coverage options that motorcyclists should consider to protect themselves and their bikes:
Recommended additional coverage options:
- Collision coverage: This insurance coverage can help cover the costs of repairing or replacing your motorcycle if it is damaged or destroyed in a collision with another vehicle or object.
- Comprehensive coverage: This insurance coverage can help cover the costs of repairing or replacing your motorcycle if it is damaged by something other than a collision, such as theft, vandalism, or weather-related damage.
- Uninsured/underinsured motorist coverage: This insurance coverage can help cover the costs of damages and injuries you sustain if you are involved in an accident with a driver who does not have insurance or who has insufficient insurance coverage.
- Medical payments coverage: This insurance coverage can help cover the costs of medical expenses if you or your passenger is injured in an accident, regardless of who is at fault.
- Accessory coverage: This insurance coverage can help cover the costs of repairing or replacing custom parts or accessories on your motorcycle that are damaged or destroyed in an accident.
Proof of Insurance & Penalties
Always carry your proof of insurance card when operating your motorcycle.
This card contains your policy and insurance company information, which you must present in the following situations:
- A police officer requests proof of insurance during a traffic stop.
- You’re involved in an accident causing damages.
Failure to provide proof of insurance can result in fines, license suspension, and the requirement to file an SR-22 form with the Arizona Department of Transportation (ADOT).
- First offense: A fine of at least $500, suspension of your driver’s license, registration, and license plate for up to three months, and the requirement to file an SR-22 form with the Arizona Department of Transportation (ADOT).
- Second offense: A fine of at least $750, suspension of your driver’s license, registration, and license plate for up to six months, and the requirement to file an SR-22 form with the ADOT.
- Third offense: A fine of at least $1,000, suspension of your driver’s license, registration, and license plate for up to 12 months, and the requirement to file an SR-22 form with the ADOT.
It’s essential to maintain adequate insurance coverage and carry proof to avoid these penalties.
FAQs: Motorcycle Insurance in Arizona
Below are some commonly asked questions about motorcycle insurance in Arizona that you may want to browse prior to purchasing a plan.
What are penalties for riding without motorcycle insurance in Arizona?
Riding without the required insurance coverage can result in fines, suspension of your driver’s license, and even impoundment of your motorcycle.
Additionally, if you’re involved in an accident without insurance, you could face severe financial consequences (e.g. heavy fines).
Do I need to wear a helmet while riding a motorcycle in Arizona?
Arizona law requires all riders and passengers under the age of 18 to wear a helmet.
However, it’s highly recommended that all motorcyclists, regardless of age, wear a helmet for their safety.
Are there any unique considerations for insuring a motorcycle in Arizona?
Arizona’s desert climate and the increased likelihood of encountering wildlife on the road may make comprehensive and collision coverage more appealing.
These coverages can help cover the costs of repairing or replacing your motorcycle due to weather-related damage or animal collisions.
Do I need to register my motorcycle in Arizona?
Yes, all motorcycles must be registered with the Arizona Department of Transportation (ADOT).
You’ll need to provide proof of insurance during the registration process.
Which factors impact motorcycle insurance rates in AZ?
Many factors can influence your insurance premiums, including:
- Age & sex
- Driving history
- Type of motorcycle used
- Location of residence
Typically, urban areas with higher traffic density and increased risk of accidents can lead to higher insurance rates.
Can I ride my motorcycle if I don’t have insurance in Arizona?
No. It is illegal to operate a motorcycle without the proper insurance coverage in Arizona.
The consequences for riding without insurance could be harsh – including fines & license suspension.
Is lane splitting legal in Arizona?
Nope. Lane splitting is illegal in Arizona.
Motorcyclists must follow the same traffic rules as other vehicles on the road.
Finding a quality motorcycle insurer in AZ
Finding a motorcycle insurer in Arizona may seem overwhelming, but it’s essential to research and compare policies to find the best coverage.
Use online tools, such as entering your zip code and clicking “Start!” to generate a list of providers offering the best policies and deals in Arizona.
These providers are familiar with the state’s requirements and can help you decide whether additional coverage is a smart choice for your unique needs.
Make sure to obtain multiple quotes and compare coverage options to ensure you’re getting the best value for your insurance investment.