Is Motorcycle Insurance Required in AZ?

Arizona requires that every motor vehicle operating on a roadway in the state – including motorcycles – carry minimum liability coverage. It is important to note that Arizona is an “at fault” state meaning that if a driver is found at fault in an accident then they are liable both criminally and civilly. 

In order to be street legal, a motorcycle in Arizona must have the following equipment:

  • Eye protection: Required unless your motorcycle has a windscreen.
  • Handlebar height: The hands of the operator must not be above shoulder height when the operator is sitting on the seat.
  • Helmet: Required for all drivers and passengers under 18 and anyone who has an instruction permit.
  • Mirrors: 1 mirror is required
  • Passenger Seat/Footrest: Both are required if you are driving with a passenger
  • Headlight: Daytime headlight use is required.
  • Muffler: Required and a bypass, cutout, or similar device is not allowed. 

For insurance motorcyclists must carry liability coverage with at least the following minimums:

  • $15,000 death or bodily injury to one person
  • $30,000 death or bodily injury to two or more persons
  • $10,000 damage or destruction of property

The minimum insurance requirements in Arizona are woefully inadequate to provide protection in even the most minor accident. When you work with a licensed insurance agent at Manzanita Insurance in Prescot,t AZ we take the time to learn about your personal circumstances so that we can recommend a motorcycle policy that offers the ideal level of protection. Give us a call today or stop by our conveniently located office to learn more about our motorcycle insurance offerings that will enable you to safely ride in Arizona.