Rated 4.8 out of 5.0 by Phoenix riders
Motorcycle Insurance Agency in Phoenix
An independent Phoenix motorcycle insurance agency comparing 10+ top-rated carriers to protect every ride for less — cruisers, sport bikes, trikes, Slingshots, scooters, dirt bikes, and more. Get your free quote in minutes.
4.8★
86+ Google reviews
30+ yrs
Serving AZ since 1996
10+
Top carriers compared
Independent
We work for you.
Licensed
Arizona
Your local motorcycle insurance agency in Phoenix.
Reviewed by Sir Maple • Licensed Arizona Insurance Agent • Updated August 2026
Phoenix riders choose Rate Crushers because we bring the experience and reliability you need when it matters most. As an independent agency, we shop 10+ carriers so you get dependable protection at a price that fits your budget — whatever you ride, from cruisers and sport bikes to trikes, Slingshots, dirt bikes, and scooters.
Phoenix Motorcycle Insurance: Key Takeaways
- ✓Rate Crushers is an independent motorcycle insurance agency in Phoenix, AZ, comparing 10+ top-rated carriers since 1996.
- ✓We cover every ride — cruisers, sport bikes, trikes, Slingshots, scooters, dirt bikes, dual-sports, and custom/vintage.
- ✓Arizona requires motorcycle liability insurance (25/50/15) to ride on public roads — we'll get you legal for less. [1]
- ✓Independent means we shop 10+ carriers to protect your bike for the lowest available rate.
- ✓Se habla Español. Free motorcycle quotes online or at (602) 975-0944 — no obligation.
Sources: [1] Arizona Department of Transportation — MVD.
A simplified way to shop Phoenix motorcycle insurance
Request a quote
Start your quote online or give us a ring to chat live.
Discount check
We’ll gather some basic info and uncover all possible discounts.
Select a plan
We’ll compare rates to find a plan that meets your needs and budget.
AUTOCYCLE COVERAGE
Slingshot Insurance in Phoenix
The Polaris Slingshot is a three-wheeled autocycle — and it needs specialized coverage, not a standard auto or motorcycle policy. We insure Slingshots across Phoenix with liability, collision, comprehensive, and custom-parts protection.
As independent brokers, we shop carriers that actually understand autocycles so you get the right coverage at the best rate.
ON & OFF THE TRAIL
Dirt Bike Insurance in Phoenix
Ride off-road? Dirt bike insurance covers your bike against theft, damage, and liability — on the trail, at the track, or in transit. We insure motocross and trail bikes across Phoenix and can add coverage for gear and accessories.
Whether you ride Arizona’s desert trails or a local MX track, we’ll build coverage that fits how and where you ride.
AFFORDABLE & LEGAL
Scooter & Moped Insurance in Phoenix
Scooters and mopeds still need protection — and in many cases Arizona requires it. We insure scooters and mopeds of every engine size with liability, theft, and comprehensive coverage at affordable rates.
Perfect for commuters and students, we’ll find you the most affordable way to ride legally and safely around Phoenix.
THREE WHEELS
Trike / Can-Am / Spyder Insurance in Phoenix
Three wheels, unique coverage. Trikes and reverse-trikes like the Can-Am Spyder and Ryker need policies built for their design and value. We insure factory trikes, conversions, and Can-Am models across Phoenix — including custom paint and accessories.
Ride confidently knowing your investment is fully protected, on the street and on the highway.
SPEED, PROTECTED
Sport Bike Insurance in Phoenix
Sport bikes are fast, valuable, and rated differently by insurers — so shopping matters. We insure Yamaha R-series, Kawasaki Ninja, Suzuki GSX-R, Honda CBR, and more across Phoenix, with liability, collision, comprehensive, and OEM-parts coverage.
As an independent agency, we compare 10+ carriers to find you the lowest sport-bike rate available.
RIDE THE OPEN ROAD
Cruiser & Touring Motorcycle Insurance in Phoenix
Whether you ride a Harley, an Indian, or a fully-loaded touring bagger, we protect your cruiser and everything on it. Coverage includes liability, collision, comprehensive, plus custom parts, saddlebags, and trip-interruption for long hauls.
We shop 10+ carriers so you can focus on the open road, not the paperwork.
AGREED VALUE
Custom & Vintage Motorcycle Insurance in Phoenix
Custom builds and classic bikes deserve agreed-value coverage — not a depreciated payout. We insure choppers, café racers, restorations, and vintage motorcycles across Phoenix, protecting the true value of your work and parts.
Tell us about your build and we’ll match it with a carrier that understands what it’s really worth.
ON-ROAD & OFF
Dual-Sport / Adventure Bike Insurance in Phoenix
From daily dual-sports to big adventure bikes like the GS, Ténéré, and Africa Twin, we cover on-road and off-road riding in one policy. Add coverage for luggage, crash bars, and gear so you’re protected on every expedition.
Independent and local, we’ll build ADV coverage as ready for the backcountry as you are.
We make shopping for insurance quick & painless
Ready to get started? Our Phoenix team will go to work comparing carriers to find a plan that meets your needs and budget.
What Phoenix riders say about us
Visit our Phoenix office
Rate Crushers Insurance Brokers
5843 W Indian School Rd, Phoenix, AZ 85031
(602) 975-0944
Phoenix Motorcycle Insurance FAQ
Yes. To ride on public roads, Arizona requires at least 25/50/15 liability coverage. We’ll get you compliant and shop 10+ carriers for the lowest rate.
Everything: cruisers, touring, sport bikes, dual-sport and adventure bikes, dirt bikes, scooters and mopeds, trikes and Can-Am Spyders, Polaris Slingshots, and custom or vintage motorcycles.
Yes. We work with carriers that offer agreed-value policies so a custom build or classic is covered for its true value, not a depreciated payout.
Absolutely. We can add coverage for helmets, riding gear, saddlebags, custom parts, and accessories to most motorcycle policies.
It depends on your bike, riding history, and coverage. As an independent agency we compare 10+ carriers to find your lowest rate — free quote online or at (602) 975-0944.
Sir Maple — Rate Crushers Insurance Brokers
Sir Maple has helped Phoenix riders find the right coverage since 1996. As an independent agency, Rate Crushers compares 10+ top-rated carriers — including Safeco, Allstate, Travelers, and Nationwide — to secure the best price on cruisers, sport bikes, trikes, Slingshots, dirt bikes, and custom motorcycles across Arizona. Se habla Español. Call (602) 975-0944 or start a free quote online.
Get your free Phoenix motorcycle insurance quote today
See how much you could save with an independent broker on your side. No obligation, no pressure.
