Whether you ride your motorcycle to work every day in Apache Junction, or just enjoy going for weekend rides throughout Mesa, Arizona law requires all motorcycle riders to carry liability insurance. No matter how you use your motorcycle, it is important to protect others on the road, yourself, and your motorcycle. At Fox Reliable Insurance, we work with the nation’s top motorcycle insurance carriers to provide our clients with the highest quality policies at the best rates available.
Arizona law requires that all motorcycle riders hold minimum levels of property damage coverage and bodily injury coverage. This mandatory insurance is in place to cover others’ medical bills and any damage caused to their property in the event you are responsible for an accident. Let’s look at what coverage is required in Arizona as well as some optional coverage that can provide greater protection for you and your vehicle.
Minimum Arizona Motorcycle Liability Insurance Requirements
- $15,000 bodily injury coverage per injured person in an accident.
- $30,000 bodily injury coverage for all injuries in an accident.
- $10,000 for property damage per accident.
Remember that these are only the bare minimums required by Arizona law. Purchasing higher levels of coverage will provide you with more substantial protection should you be responsible for an accident. Liability insurance is meant to protect others and does not cover any damage that may occur to your motorcycle or any injuries you may sustain.
Optional Arizona Motorcycle Insurance
Collision coverage will help cover the costs to either repair or replace your motorcycle if you are responsible for an accident. Protective gear and apparel such as helmets and riding leathers may be covered in some policies.
Comprehensive coverage provides similar protection as collision coverage, however it is meant to cover non-accident related damages. This can include vandalism, damage from the weather, theft, and more.
Even though liability insurance is mandatory in Arizona, a surprising number of drivers and riders do not carry proper insurance. Uninsured and underinsured motorist coverage will help to pay for medical bills and damage to your property if you are involved in an accident caused by someone who does not have adequate insurance.
Medical payments coverage will help pay for injuries you sustain in an accident, regardless of who is at fault. Medical payments coverage can be valuable for riders who may not have adequate health insurance.
As with most insurance policies, discounts are available to help riders save money on their motorcycle insurance. Discounts may be available if you store your motorcycle in a garage, have completed certain motorcycle safety courses, or if you belong to certain rider groups. You can also bundle your motorcycle insurance policy with your homeowners and auto insurance policies to save even more money.
At Fox Reliable Insurance, we offer excellent rates and coverage options on motorcycle insurance for riders located throughout Apache Junction, Mesa, and Gilbert. Contact our experienced team of motorcycle insurance experts today for more information or to receive a free quote!