Motorcycle Insurance in Arizona

Is Motorcycle Insurance Required in Arizona?

Motorcycle insurance is required in Surprise, AZ, and the rest of the state, to establish financial responsibility. For insurance and registration purposes, it's important that your vehicle is defined as a motorcycle, and there are certain distinctions between a motor-driven cycle, a motor scooter, and a moped. An agent at Giles & Iten Insurance can help you determine how your vehicle fits in.

In order to be compliant with the law, certain minimums have to be reached for liability insurance. Liability insurance will cover other people who are injured in an accident or damage to other people’s property, but it won’t cover your injuries or your own property damage. You need to have at least $30,000 of bodily injury coverage per accident and $10,000 for property damage. The amount of insurance coverage you need is not affected by helmet laws.

Optional Insurance Coverage

Since the minimum required insurance won't do anything to protect you, there are other optional insurance policies to consider. Collision and comprehensive insurance can help protect your motorcycle from accident-related damage or damage not related to an accident, such as those resulting from weather and theft. You can also purchase additional liability insurance to stay protected.

What Should You Know about Motorcycle Insurance in Arizona?

You only need insurance while you are operating your motorcycle on public roads. If your bike is non-operational while you are restoring it or you are a seasonal rider, you don’t need to maintain coverage. When you de-insure your motorcycle, it means that the MVD isn’t going to hold you liable or suspend your registration when the bike is not insured. To do this, you do need to complete a certificate online. Once your bike becomes operational again, you need to insure it. If you are riding without insurance, you could face suspension of your registration and possibly your license.

Contact Giles & Iten insurance, serving Surprise, AZ, to get a quote on motorcycle insurance.