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Phoenix Motorcycle Insurance
Arizona is one of the most beautiful states to ride your motorcyle in and we know that you're not alone. There are almost 200,000 fellow bikers in the state. There's enough room in Arizona to fit us all and share the road. So "Hit the Road!" but lets do it safely, with the right motorcycle insurance coverage.
With our unique service we pair you with the largest and cheapest insurance companies in Phoenix to make sure you're properly insured, while also getting you the lowest cost bike insurance available. Make sure you have the right insurance to replace your motorcycle in the event of an accident as well as enough coverage to protect you from ridiculous hospital medical bills or liability lawsuits.
The right motorcycle insurance coverages can not only protect you, but it can protect your home, finances, assets, and your family's future. Like your Phoenix auto insurance policy there are legal limits or minimums to consider. You need to treat your bike with the same respect and protection that you give your car, if not more.
Most of the insurance companies that we pair you with offer 24/7 customer service and affordable protection for your motorcycle. Enter your Phoenix zip code above to get a list of local insurance companies in your area that can provide you with a fast and free quote, so you can get on the road today.
Phoenix Arizona Motorcycle Insurance Requirements
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Riders in Arizona must have liability insurance (helps pay others' injury and property damage expenses if you're at fault in an accident) with a minimum of the following limits:
- $15,000 Bodily Injury Coverage per Person / $30,000 Bodily Injury Coverage per Accident
- $10,000 Property Damage Coverage per Accident
This is the Arizona minimum coverage. Your should maximize your protection and increase your limits to protect yourself accordingly when you get your Arizona motorcycle insurance quote.
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Optional Coverages for Motorcycle Insurance in Arizona
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Much like the auto insurance coverages offered through our affiliated insurance companies, you should consider each of these coverages when requesting your motorcycle insurance quote.
Collision: This is for damage to your motorcycle from a collision. This is the part of a motorcycle insurance policy that pays to get your bike repaired after a collision with another vehicle or an object. It is collision insurance that will get your insurance company to seek out another driver's insurance company to pay for repairs if they were at fault.
Comprehensive: This is for damage to your bike not involving a collision with another car (including damage from fire, falling debris, theft, etc). This part of an motorcycle insurance policy covers damages to your scooter caused by something other than a crash: a vandal, a tree falls on it or floodwaters engulf it.
Uninsured motorists coverage: This is for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance. This part of your insurance policy covers injuries to you, caused by a driver without insurance and is meant to pay for your medical expenses.
Underinsured motorists coverage: This is for costs resulting from an accident involving a driver who does not have enough insurance. This part of an auto insurance policy covers injuries to you caused by a driver without enough insurance. Most states require drivers to carry uninsured motorist coverage. Some states include damages to your car in this coverage.
Medical payments: This is for treatment of injuries to you and/or your passenger. This part of your motorcycle insurance pays for medical expenses and lost wages to you and any passenger on your bike after an accident. It is also known in many states as personal injury protection (PIP).
Optional equipment coverage
Check with the insurance company that you choose and see if they have customization coverage. You may have put a lot into your bike and should protect the upgrades. Customization coverage may already be included to help repair or replace damaged custom equipment, such as sidecars and exhaust systems. If it's not included you might include it in your quote. It's usually a lot cheaper than you think.
Personal property coverage
Many of our insurance companies offer protection and even replacement coverage for your personal property in case of a loss. This helps repair or replace belongings you carry inside the storage compartments, including safety gear, camping equipment, and more. Ask an agent or see specific policy for details.
Trip interruption/cancellation coverage
An optional coverage offered by some of our insurance carriers is trip interruption coverage. If a mechanical failure or other covered loss occurs and your far from home, you may get daily reimbursements up to:
- $100 for lodging
- $50 for food
- $50 for alternate transportation
Towing coverage and roadside assistance
This coverage provides for towing costs and labor, like tire repair, battery jumps, or fuel refills. Please check with your insurance provider to ensure that you have this coverage if available.
Transport trailer coverage
If your hauling or trailering your bike your Phoenix motorcycle insurance may cover damage to the trailer that's transporting it.. Transport trailer coverage goes toward damage your trailer suffers while hauling your motorcycle.
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~Motorcycle Insurance for Every Brand of Motorcycle~
Harley-Davidson Insurance
Harley-Davidson® has partnered with The Progressive Group of Insurance Companies, to design and provide specific, customized insurance policies for Harley owners.
They offer coverage from the most basic liability coverage to get your ride legal, to full coverage with additional coverage for custom equipment and parts. Harley-Davidson Insurance covers almost every make and model. It's almost a given that they have the right coverage for you.
Harley-Davidson Insurance even insures customized motorcycles, off-road vehicles, and classic motorcycles over 25 years old.
As the #1 insurer of motorcycles, Progressive has specially trained representatives for handling your motorcycle claim. With speed and quality as their goal, these representatives will work with the repair shop to get your Harley-Davidson® motorcycle back on the road quickly.
BMW Motorcycle Insurance
BMW Performance Insurance is offered through Liberty Mutual Insurance. They offer BMW motorcycle owners an exclusive savings of up to 10% for insuring your motorcycle with them (restrictions apply, please see policy for details). As an additional benefit to BMW owners they protect you motorcycle with their optional Better Bike Replacement™, if your BMW motorcycle is totaled they’ll give you the money for a motorcycle that is one model-year newer, with 2,500 fewer miles on it (see policy for details).
In addition BMW motorcycle insurance, provided by Liberty Mutual Insurance, guarantees your motorcycle will be repaired with Genuine BMW Replacement Parts.
See how much you could save with BMW Performance Insurance.
Victory Motorcycle Insurance / Polaris Insurance Services
Much like the Harley-Davidson Insurance program, Victory Motorcycle and Polaris Motorcycle and Off Road Vehicle Insurance is provided through a partnership with Progressive Insurance. They not only insure Victory motorcycles and Ranger vehicles, but they can also insure your ATV, side by side, snowmobile and/or golf cart. Some additional insurance benefits that they offer through their insurance partnership are:
Disappearing Deductibles
Disappearing Deductible feature – if you have a full year without a claim, we’ll reduce your insurance deductible. Get a 25 percent reduction in your off-road insurance deductible each time you have a claim-free renewal period, until your deductible is $0.
Included Accessory Coverage Benefits
$3,000 Accessory coverage included in most states with comprehensive coverage.
Indian Motorcycle Insurance
Indian Motorcycles, like Victory Motorcycles, is owned by Polaris Industries and thereby insurance services can be obtained through their partnership with Progressive Insurance. Indian bike owners can also opt for insurance through reputible insurance agencies such as Condon Skelly.
Kawasaki Motorcycle Insurance
Kawasaki motorcycle owners can get insurance discounts through Dairyland Insurance.
Dairyland Cycle® not only offers coverage for Kawasaki but all brands of motorcycles, including Harley-Davidson, BMW, Honda, Yamaha, Suzuki, Triumph and many more. Scooters and mopeds can also be insured with Dairyland Insurance.
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Insurance Companies
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American Family Insurance
was started in October 1927 to provide
affordable auto insurance rates to
Wisconsin farmers. The company became
American Family Mutual Insurance Company in
1963 and serviced a much broader customer
base. The currently operate in 18 states
including Arizona and offer a large number
of insurance products including Auto, Home,
Life and Renters Insurance among
others.
American Family Mutual Insurance
Company
AM Best Rating: A (Excellent) |
Allstate Insurance was
founded in 1931 as part of Sears, Roebuck
& Co. and became a publicly traded
company in 1993. Allstate sells auto,
property and life insurance, as well as
other lines including financial services
products. They have approximately 14,900
exclusive insurance agents and financial
representatives, in the U.S. and Canada.
Based in Northbrook, IL, Allstate is one of
the largest insurers in urban areas.
Allstate Insurance Company
AM Best Rating: A+ (Superior) |
Farm Bureau was founded in
1919. A small group of farmers from 30
states gathered in Chicago and founded the
American Farm Bureau Federation, which soon
became the voice of agriculture to most of
the nation. From this federation grew Farm
Bureau Financial Services and for the last
65 years they have been providing property
and casualty insurance, along with
financial services to a wide scope of
people throughout the country. They have
expanded their success from rural American
to the suburban and metropolitan areas as
well. Farm Bureau in Arizona also
underwrites with Western Agricultural
Insurance Company.
Farm Bureau Mutual Insurance Company
AM Best Rating: A (Excellent) |
Liberty Mutual was founded
in 1912. They opened their first office in
Springfield, Massachusetts. They provide
personal lines insurance, such as car
insurance, property insurance, personal
liability, renters and life insurance as
well as many other lines of insurance and
financial services. Liberty Mutual
Insurance has had a 90 year mission of
"helping people live safer, more secure
lives," Their core values include
Integrity, Dignity and Respect, with
Superior Products and Services.
Liberty Mutual Insurance Company
AM Best Rating: A (Excellent) |
MetLife Auto & Home
Insurance is a subsidiary of
Metropolitan Life Insurance Company, the
largest life insurance company in the U.S.
MetLife was founded in 1863 providing
disability protection for Civil War
soldiers. Today, they offer insurance
products for Arizona residents to protect
their home, auto, personal property and
life. MetLife Auto & Home was also the
first national insurer to provide Identity
Theft Protection Services at no additional
charge. They also offer Guaranteed
Replacement on your homeowners
insurance.
Metropolitan Casualty Insurance
Company
AM Best Rating: A (Excellent) |
Nationwide provides a full
range of insurance products and financial
services for your home, car, family and
financial security. Started in 1935, the
company incorporated the Farm Bureau Mutual
Automobile Insurance Company and by 1943
was operating in 12 states. In 1955, the
company added 20 more western states and
changed its name to Nationwide Insurance.
Today with more than $161 billion in
statutory assets, Nationwide is one of the
largest insurance and financial services
companies in the world.
Nationwide Insurance Company of
America
AM Best Rating: A+ (Superior) |
Sentry Insurance was
founded in 1904 by members of the Wisconsin
Retail Hardware Association to provide
quality insurance for its members. Today,
Sentry is one of the largest and strongest
mutual insurance companies in the United
States offering a full line of insurance
coverage's. Headquartered in Stevens
Point, Wisconsin, Sentry has assets of $10
billion and a policyholder surplus of $2.81
billion. Captain John Parker, our corporate
symbol, represents the commitment that
Sentry has honored since 1904: Strength,
Protection and Vigilance.
Sentry Insurance Group
AM Best Rating: A+ (Superior) |
USAA Insurance began with humble
beginnings in 1922, when 25 Army officers
met in San Antonio and decided to insure
each other's vehicles; they could not have
imagined that their tiny organization would
one day serve 7.2 million members. While
membership is reserved for active, retired
and honorably separated officers and
enlisted personnel of the U.S. military,
the company is growing into one of the
largest insurance companies in America.
They also offer services to officer
candidates in commissioning programs
(Academy, ROTC, OCS/OTS), adult children of
USAA members who have or had a USAA auto or
property insurance policy, and widows and
widowers of USAA members who have or had a
USAA auto or property insurance
policy
USAA Casualty Insurance Company
AM Best Rating: A++ (Superior) |
An Undisclosed Insurance was
founded in 1907 by A.T. Vigneron in Rhode
Island. Amica is an acronym for the
Automobile Mutual Insurance Company of
America. While auto insurance was the
primary insurance line for Amica in the
early century, they adopted homeowner's
insurance in the 1950's. In 1968 the
company branched further and created the
Amica Life Insurance Company. Amica
Insurance has over 3,000 employees and has
a long time focus on providing efficient
and respectful service. Amica ranked
“Highest in Customer Satisfaction Among
National Auto Insurers, 10 Years in a Row”
and “Highest in Customer Satisfaction Among
National Homeowner Insurers, Eight Years in
a Row.”
Amica Property & Casualty Insurance
Co
AM Best Rating: A++ (Superior) |
Hartford Insurance has
been around for over 200 years. It was
founded in 1810, as the Hartford Fire
Insurance Company. Some historical
customers of the Hartford Insurance company
include General Robert E. Lee, Williams
Cody a.k.a. "Buffalo Bill", Babe Ruth, and
Presidents Abraham Lincoln and Dwight D.
Eisenhower. In 1984 Hartford Insurance
contracts with AARP to provide auto and
homeowners insurance to it's members. The
Hartford is a leading provider of life
insurance, group and employee benefits,
automobile and homeowners insurance and
business insurance and serves millions of
customers around the world today.
Hartford Casualty Insurance Company
AM Best Rating: A (Excellent) |
Safeco Insurance was
started in 1923 by visionary Hawthorne K.
Dent by founding under the name The General
Insurance Company of America Corporation.
In 1953, the company began looking for new
ways to compete with direct insurance
writers. The answer was computer automation
tools. These became the hallmark of the
company’s new business: Selective Auto and
Fire Insurance Company of America, or
Safeco. The company also took center stage
nationwide in 1998, when it purchased the
naming rights to the Seattle Mariners
ballpark. In 2004, the company sold its
life and investments operations, shifting
the company's full attention to property
and casualty insurance.
Safeco Insurance Company of America
AM Best Rating: A (Excellent) |
Progressive started in
1937 by Joseph Lewis and Jack Green. In
1956, Progressive Casualty Company was
formed to write auto insurance for
high-risk drivers. More growth and
expansion in the 1960s brought about the
formation of The Progressive Corporation.
Progressive insurance became a public
company in 1971. Progressive is recognized
as the largest seller of auto insurance
through independent insurance agents. The
company also offers insurance quotes,
policies and customer service through
Progressive Direct. Today the company
offers concierge claims service which
reduces the time drivers spend managing
repairs from about four days to 15
minutes.
Progressive Casualty Insurance
Company
AM Best Rating: A+ (Superior) |
Chubb Insurance began in the
spring of 1882, Thomas Caldecot Chubb and
his son Percy opened their marine
underwriting business in the seaport
district of New York City. Having collected
$1,000 from each of 100 prominent merchants
to start their venture, they focused on
insuring ships and cargoes. By the turn of
the century, Chubb had established strong
relationships with the insurance agents and
brokers who placed their clients’ business
with Chubb underwriters and the original
subscribers enjoyed a substantial return on
their investment in the young company. With
approximately 10,600 employees throughout
North America, Europe, South America, and
the Pacific Rim, Chubb serves property and
casualty customers from some 120 offices in
28 countries around the globe. Chubb
works with 8,500 independent agents
and brokers worldwide.
Chubb Indemnity Insurance Company
AM Best Rating: A++ (Superior) |
Mercury Insurance first
opened its doors in 1962 and provides
comprehensive coverage options ranging from
personal auto insurance to homeowners
insurance to mechanical breakdown
protection. Dedicated managers and
enthusiastic employees work hand-in-hand
with their network of independent agents to
make Mercury one of the fastest-growing
auto insurers in the nation and the leading
insurer in California. Mercury Insurance
Company provides low rates, excellent
coverage and a local agent who’s there
every step of the way. They feel that’s
what sets them apart from their
competitors. And that’s what makes them the
obvious choice when it comes to
insurance.
Mercury Insurance Company
AM Best Rating: A+ (Superior) |
21st Century Insurance is
one of the newest major insurance companies
in Arizona. Customization and
personalization are the essence of our
technology-driven, internet-connected
culture. It's how we live today. At 21st
Century Insurance they want to be the kind
of insurance provider that's "just right"
for consumers in the 21st century. That's
why you will hear and see them talk about
insurance that's "Just Right. Just For
You." Because the simple fact is, a lot of
people are unaware that they have the wrong
car insurance. They're here to help you
"right" that "wrong" by tailoring a car
insurance policy that's just right for you,
at the right price. As a 21st Century
Insurance customer, you will experience a
level of personal service and personalized
coverage.
21st Century Insurance Company
AM Best Rating: A (Excellent) |
Esurance Insurance is one
of the newest yet fastest growing insurance
companies in the nation. Started in 1999,
Esurance was bought by the White Mountains
Insurance Group. Esurance customers can
manage their policies online and also
contact our customer service center 24
hours a day, 7 days a week. The company
offers auto insurance, homeowners
insurance, renters insurance, health
insurance, life insurance and motorcycle
insurance. Esurance's mission is to be
dedicated to being the leading provider of
personal insurance products. They leverage
technology to provide a hassle-free
experience for their customers and to
create significant value for their
owners.
Esurance Insurance Company
AM Best Rating: A- (Excellent) |
GMAC Insurance was founded
in 1919. Initially formed to provide
automotive finance products and services to
General Motors dealers and clients, GMAC
has since expanded its business to include
mortgage operations, insurance, commercial
finance and online banking. GMAC was a
wholly owned subsidiary of GM, until 2006.
By 2009, the company had approximately $178
billion in assets, with 15 million
customers worldwide. GMAC provides a broad
range of insurance and insurance-related
products and services for individual
consumers, as well as automotive
dealerships and other businesses.
GMAC Insurance Group
AM Best Rating: B++ (Good) |
Travelers Insurance was a
merger of two companies. Started in 1853 as
St. Paul Fire & Marine Insurance
Company by Alexander Wilkin and 16 fellow
Saint Paul, MN businessmen. In 1964 J.G.
Batterson and nine others form The
Travelers Insurance Company "for the
purpose of insuring travelers against loss
of life or personal injury while journeying
by railway or steamboat." In 1897 the
company issues the first automobile
insurance policy. By 2004 The Saint Paul
and Travelers Property Casualty merge to
form St. Paul Travelers, creating a new
company with 285 years combined experience
in managing risk with integrity, innovation
and discipline.
Travelers Casualty Insurance Co of
America
AM Best Rating: A+ (Superior) |
State Farm was founded in
1922 by retired farmer and insurance
salesman George Jacob "G.J." Mecherle. His
motivation for starting State Farm was
simple. It was about fairness and doing the
right thing for the customer. Today, State
Farm insures more cars than any other
insurer in North America. They are the
leading U.S. home insurer. More than 17,000
agents and 68,000 employees serve over 75
million policies in the U.S. and Canada.
Among financial services products, they
offer consumers auto insurance, home
insurance, renters insurance and life
insurance.
State Farm Group
AM Best Rating: A++ (Superior) |
Geico Insurance was
established in 1936 by Leo Goodwin under
the name Government Employees Insurance
Company, better known today as GEICO. As an
entrepreneur he enthusiastically built the
company catapulting it to the juggernaut
that GEICO has become today. In 1951 Warren
Buffet (Berkshire Hathaway), became
involved with Geico. Since that time Geico
has grown to include over 30,000 associates
and more than 12 million policies in force.
Government Employees Insurance Company
(GEICO) and its affiliate companies (GEICO
General Insurance Company, GEICO Indemnity
Company, GEICO Casualty Company, GEICO
Advantage Insurance Company, GEICO Choice
Insurance Company, and GEICO Secure
Insurance Company) enjoy high ratings in
the industry for financial strength and
claims-paying ability.
Government Employees Insurance
Company
AM Best Rating: A++ (Superior) |
Berkshire Hathaway
Insurance is a conglomerate of
holding companies including Geico Auto
Insurance, Berkshire Hathaway Homestate
Companies, Berkshire Hathaway Specialty
Insurance, Guard Insurance Group, United
States Liability Insurance Group and many
more. These insurance groups include
coverage for personal as well as commercial
auto insurance policies, business
insurance, business liability and other
product lines.
Berkshire Hathaway Insurance Group
AM Best Rating: A++ (Superior) |
Farmers Insurance Group
offers insurance for your auto, home,
motorcycle, boat, travel trailer,
motorhome, home, condo, as well as life
insurance. Farmers humble beginning started
in Los Angeles in 1928, long before
becoming a household name as one of the
largest insurance companies in the U.S.
Started by John Tyler and Thomas Leavey,
the company tailored its policies to
farmers and ranchers in 1998, Farmers Group
was acquired by Zurich Financial Services.
Farmers is also the largest insurer of
Manufactured Homes under its company
Foremost Property & Casualty Insurance
Company. Additionally Farmers owns Bristol
West Insurance, and 21st Century
Insurance.
Farmers Insurance Company
AM Best Rating: A (Excellent) |
AAA Auto Club Enterprises Car
Insurance was founded in 1902. It
is a little known fact that AAA was
integral to the advent of the interstate
system throughout the United States as well
as the development of the standardized
octagonal shaped red "Stop Signs" used in
every state at most intersections. AAA
began providing road maps in 1905 and began
its school safety program in 1920. AAA has
been at the forefront of national traffic
studies throughout the years. AAA is a
federation of motor clubs throughout the
U.S. and has over 51 million members.
Auto Club Indemnity Insurance Company
AM Best Rating: A+ (Superior) |
Erie Insurance Group
provides car insurance, homeowners
insurance, life insurance, boat insurance
and business insurance services.
Established in 1925 Erie Insurance Their
approach is to "overwhelm" their customers
with fantastic service and a great value.
The company has a network of independent
insurance agents throughout the U.S. Erie
insurance has nearly 4.9 million policies
and more than 330,000 life, annuity and
disability income policies in force.
Erie Insurance Group
AM Best Rating: A+ (Superior) |
Auto-Owners Insurance
Group was founded in 1916 by Vern
V. Moulton in Mt. Pleasant, Michigan. It
began in just one room of a bank building.
It moved soon thereafter to Lansing,
Michigan. The Lansing corporate office
services not only Auto-Owners Insurance
Company, but its subsidiary companies:
Auto-Owners Life Insurance Company,
Home-Owners Insurance Company, Owners
Insurance Company, Property-Owners
Insurance Company, and Southern-Owners
Insurance Company. The company now has over
6,200 independent agencies, selling
personal and commercial insurance lines as
well as life, health and annuities in 26
states.
Auto-Owners Insurance Group
AM Best Rating: A++ (Superior) |
Country Financial Property &
Casualty Insurance has a full line
of insurance products for consumers as well
as financial services. For more than 85
years, Country has been protecting its
customers assets and liabilities. The
company serves about 1 million households
and businesses throughout the Unites
States. Country Insurance began in 1925
with its roots in agriculture. Today the
offer competitive rates, money-saving
discounts and a variety of auto insurance
coverage's to meet their customers
specific needs. Their claims service is
among the best in the industry. Their
slogan is "You'll always get the service
you deserve with COUNTRY."
Country Financial Property & Casualty
Insurance Group
AM Best Rating: A+ (Superior) |
Who are the Rating Companies?
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A.M. Best
www.ambest.com
A.M. Best rates the financial strength of
insurance companies and the security of
holding companies' debt and preferred
stock. More than merely passing judgment on
past performance, a Best's rating gives an
indication of how that company may be
expected to perform in the future. |
Standard &
Poor's
www.standardandpoors.com
Standard & Poor's Insurer Financial
Strength is a current opinion of the
financial security characteristics of an
insurance organization with respect to its
ability to pay under its insurance policies
and contracts in accordance with their
terms. |
Moody's Investors
Service www.moodys.com
Moody's insurance ratings and research
provide global coverage of life, property
and casualty, mortgage, and title insurers
and reinsurers as well as financial
guarantors. |
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