Motorcycle Insurance in Flagstaff, AZ

Our state is one of the most beautiful states to ride your motorcyle in and we know that you're not alone. There's enough room 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 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 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 zip code above to get a list of local insurance companies in Flagstaff, AZ that can provide you with a fast and free quote, so you can get on the road today.

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Motorcycle Insurance Requirements

Riders must have liability insurance (helps pay others' injury and property damage expenses if you're at fault in an accident). In most states that minimum coverage has 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 minimum coverage. Your should maximize your protection and increase your limits to protect yourself accordingly when you get your motorcycle insurance quote.

Guide to Shopping for Motorcycle Insurance Rates

When looking for a competitive motorbike insurance rate, you have a few options, such as:

  • Using sites that compare quotes from multiple carriers.
  • Calling individual providers.
  • Asking an independent insurance agent.
  • Visiting insurance company sites.

With the third option, keep in mind that independent agents can only offer insurance from carriers they have a contractual agreement with. So, this might limit your options.
For most bikers, the online route is the most convenient and fastest one, especially the last option. However, you won't be able to get a quote from some insurance carriers on multiple-quote sites'especially the smaller, motorcycle-only providers'so you will need to call those companies or visit their sites.
But, this can be a great starting point.

 

Optional Coverages for Motorcycle Insurance

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 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


Flagstaff, AZ 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.

Flagstaff, AZ 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.

Flagstaff, AZ 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.

Flagstaff, AZ 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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Required Information for Insurance Quotes

In order to obtain a motorcycle insurance quote, be prepared to provide the following information:

  • Your motorcycle VIN, or a detailed description of your motorcycle’s make and model.
  • The year your motorcycle was registered in your name.
  • Your auto and motorcycle insurance history.
  • Your driving record and the driving records of any other riders you wish to add to your policy.
  • Date of birth of all riders you wish to insure.
  • All information regarding custom parts and accessories added after the motorcycle left the factory.

Buying the Right Amount of Motorcycle Coverage

Naturally, you at least have to purchase the amount of coverage that meets whatever minimum motorcycle insurance requirements your state mandates.
However, once you have that covered, ask your agent how much you quotes would vary if you added more'say, accessories coverage, comprehensive and collision, uninsured and underinsured, or even motorcycle roadside assistance.
You might find that your bike calls for some of these additional coverages; however, you might find that adding them'when you don’t really need them'could significantly increase your quotes.
Be sure to talk with your agent about the requirements you must meet and the coverage types you might or might not need.

Motorcycle Insurance Discounts

Aside from comparison shopping, you can save money on motorcycle insurance by looking into motorcycle insurance discounts.
Many providers offer discounts for:

  • Bundling your coverage. For example, purchasing your motorcycle coverage from the same company that provides your regular car insurance.
  • Completing a motorcycle safety course, or being a motorcycle safety course instructor.
  • Insuring more than one bike.
  • Being a mature rider. (The company will give you details about its definition of a mature rider.)
  • Renewing your policy with the company.