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  • Writer's pictureCharlotte Burr

Do You Need Motorcycle Insurance?


In order to legally drive a motorcycle, almost every state in the U.S requires motorcycle insurance. For Arizona residents they are required to have a 25/50/15 liability coverage.


25/50/15 Liability coverage: This type of coverage is required and protects others from damages caused by you. The "25" represents that your insurance covers at least $25,000 per person for bodily injury. The "50" represents the max amount paid out for bodily injury being $50,000. Lastly, the "15" represents up to $15,000 in protection to property damage. Liability insurance does not pay for your own property damage or bodily harm but is required in order to legally ride.


When do you need this liability coverage: You will need to show proof of liability insurance if you plan on:

  1. Registering your motorcycle-Most states require proof of insurance before registering a motorcycle.

  2. Financing your motorcycle-Banks and other lenders will want you to protect the asset they are financing.

  3. Gaining a temporary permit to ride-If you are getting a temporary permit in a state that requires insurance to register, you will likely need insurance even for a temporary permit.

For all of these situations you will need to present liability coverage up to your state's requirements.


Is liability coverage enough? This question depends on how expensive your bike is and how much money you have saved up. If your bike is worth a substantial amount it may be smart to get comprehensive and collision insurance which protects you and your bike in the event of an accident. If your bike is not worth much then comprehensive and collision might not be worth it unless you would need the money from the bike to buy a new vehicle after an accident.


Un/Underinsured Coverage: When you ride a motorcycle, you are very physically exposed. If there’s an accident, the damage most likely to occur is to your body. We ALWAYS recommend un/underinsured motorist coverage but for a bike – you’d be silly not to carry it on your policy.


Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…

Disclaimer: Coverage will vary on state, insurance company, and type of policy.

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