Motorcycle Insurance in Globe, AZ — Compare Quotes & Save
Riding through the Tonto National Forest, along US-60, and around the Superstition Mountains requires coverage for rugged terrain and extreme weather. We’ll set the right liability, UM/UIM, and medical payments, protect your bike with comprehensive & collision, and schedule accessories—all while unlocking desert rider discounts.
Arizona Requirements (What You Must Know)
Minimum Liability
Current AZ minimums are $15,000/$30,000 bodily injury and $10,000 property damage. We’ll quote higher limits to handle risks on highways like US-60.
No PIP on Motorcycles
Standard AZ auto PIP does not apply to motorcycles. Add Medical Payments to cover injuries in remote areas.
Helmet & Eye Protection
AZ requires helmets for riders under 18; all riders should wear them for safety. Eye protection is recommended for dust and glare.
Inspection & Lane Splitting
No routine state inspection required (keep equipment maintained). Lane splitting is not permitted in AZ—follow traffic laws strictly.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Globe Riding
Liability (BI/PD)
- Start at $50k/$100k or $100k/$300k BI for rural exposure
- Property Damage: $25k–$50k to cover off-road incidents
UM/UIM
- Match to your BI limits to protect against underinsured drivers on highways
- Stacking options available; check with your carrier
Medical Payments
- Helps with medical bills in isolated areas, regardless of fault
- Popular limits: $5k–$25k
Comprehensive & Collision
- Coverage for theft, weather damage, animal strikes, and crashes
- Choose deductibles based on your riding frequency
Custom Parts / Accessories
- Most policies include basic coverage (e.g., $1,000)
- Schedule extras like saddlebags, lights, and protective gear
Roadside & Trip Interruption
- Towing, fuel delivery, and assistance on US-60 or forest roads
- Hotel/meals after a covered incident (carrier-specific)
Safety pays: ABS-equipped models reduce crash risks in varied terrain—many insurers offer an ABS discount.
Globe Riding Realities (and How We Insure Around Them)
- Rugged terrain & wildlife: From US-60 to forest trails, visibility and animal crossings are key—opt for higher BI/PD and UM/UIM.
- Theft and weather risks: Secure garaging and anti-theft devices help; pair with comprehensive coverage for heat, dust, and storms.
- Extreme conditions: Year-round riders should consider lower deductibles and roadside assistance for desert heat and monsoons.
Getting Your AZ Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved Basic RiderCourse (BRC)
- Pass the course; bring completion card to MVD
- Add the M endorsement (often waives road test)
Permit + Testing Path
- Get motorcycle permit (knowledge and vision test)
- Practice under permit
- Take MVD road test; add M endorsement
Bike Size & Restrictions
Testing on small bikes may restrict you; courses often remove restrictions—confirm with us.
See Why Customers Love Us
What Globe Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $50k/$100k/$25k or $100k/$300k/$50k | For rural risks and potential multi-vehicle claims |
| UM/UIM | Match BI | Protection from underinsured drivers on highways |
| Medical Payments | $5k–$25k | Vital without PIP in remote areas |
| Comp/Collision | $250–$1,000 deductibles | Lower for frequent riders facing weather extremes |
| Accessories | $3k–$10k+ | Document for theft or damage protection |
| Roadside | Included or add-on | Essential for long hauls and breakdowns |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers side-by-side, match UM/UIM to your BI, and schedule accessories for full protection.
Get Your Motorcycle Insurance Quote in Globe
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ — Globe, AZ
Is lane splitting legal in Arizona?
No, lane splitting is not permitted in Arizona. Riders could face citations for unsafe passing or other violations.
Do motorcycles get PIP benefits in AZ?
No. Arizona’s PIP benefits do not apply to motorcycles. Add Medical Payments and strong UM/UIM limits.
What are the current AZ minimum insurance limits?
For policies now, at least 15/30/10. We’ll quote higher limits for better protection on Arizona roads.
Do I need a helmet in Arizona?
Riders under 18 must wear helmets; it’s recommended for all. Eye protection is advised for dusty conditions.
Do motorcycles require inspections?
No routine inspections are required, but your bike must be safe and roadworthy to avoid citations.
Will ABS lower my premium?
Many carriers offer discounts for ABS, which helps reduce crash risks in Arizona’s varied riding conditions.
