Motorcycle Insurance Arizona | Howard Castle Insurance

More Than Just "Legal"

Arizona offers some of the best year-round riding in the country, but it also carries risks. With high speed limits and drivers often distracted, riding with state-minimum liability leaves your bike, your gear, and your health exposed.

At Howard Castle Insurance, we understand the difference between a weekend cruiser and a daily commuter. We build policies that cover custom chrome, riding gear, and passengers—protection standard auto policies often exclude.

Guest Passenger Liability Included

Custom Parts & Equipment (CPE)

Safety Riding Apparel Coverage

Average Savings

30%

By combining with Auto

Rider Protection

Coverage Tailored for Riders

Bikes have different needs than cars. We ensure your policy covers the bike, the rider, and the lifestyle.

Guest Passenger Liability

Crucial in Arizona. Many basic policies exclude injuries to passengers. If you ever carry a rider on the back, this coverage is essential to pay for their medical bills if you crash.

Collision Coverage

Pays to repair your bike if you hit a car, a wall, or lay it down on a curve. Essential for newer or financed motorcycles.

Custom Parts & Equipment

Standard collision only covers the "stock" bike. If you've added chrome, saddlebags, custom exhaust, or paint, CPE coverage ensures you get paid for those upgrades in a claim.

Uninsured Motorist

Vital for riders. Accidents involving motorcycles are often caused by other drivers. If they don't have insurance (common in AZ), this pays for your medical treatment and lost wages.

Trip Interruption

If you're on a road trip (100+ miles from home) and your bike breaks down or is disabled in an accident, this covers lodging, food, and transportation expenses.