The Best Cheap Motorcycle Insurance in Arkansas
Progressive offers the cheapest motorcycle insurance in Alaska, at $19 per month.
Find Cheap Motorcycle Insurance Quotes in Alaska
Best cheap motorcycle insurance in Arkansas
How we chose the top companies
Cheapest motorcycle insurance in Arkansas
Dairyland and USAA have the cheapest motorcycle insurance in Arkansas, at an average cost of $17 per month. That's half the Arkansas state average of $34 per month.
Cheapest insurance companies
Compare Motorcycle Insurance Quotes in Arkansas
Motorcycle insurance in Arkansas costs $34 per month, on average.
Cheapest motorcycle insurance companies in AR
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | 3.5 out of 5 | $17 | |
| Harley-Davidson Insurance | 3.5 out of 5 | $18 | |
| Progressive | 4.0 out of 5 | $18 | |
| Geico | 2.0 out of 5 | $42 | |
| Allstate | 2.0 out of 5 | $44 | |
| Nationwide | 1.5 out of 5 | $64 | |
Best motorcycle insurance in Arkansas: Dairyland
Best motorcycle insurance in Arkansas for coverage extras: Progressive
Best motorcycle insurance in AR for touring: Harley-Davidson
Arkansas motorcycle insurance costs by city
Little Rock and North Little Rock have the most expensive motorcycle insurance rates in Arkansas.
Both have average rates of $43 per month for full coverage.
Bella Vista, a city in the Northwest corner of the state, has the cheapest coverage compared to other large cities and towns in Arkansas. Full coverage in Bella Vista costs just $32 per month, on average.
Average motorcycle insurance cost in AR by city
City | Monthly cost | % from average |
|---|---|---|
| Arkadelphia | $34 | 0% |
| Batesville | $33 | -4% |
| Bella Vista | $32 | -6% |
| Benton | $33 | -2% |
| Bentonville | $32 | -4% |
Larger cities including Little Rock and West Memphis, which is across the river from Memphis, Tenn., typically have higher motorcycle insurance rates than small towns. That's because cities tend to have more traffic and higher crime rates, which lead to more insurance claims.
What are the motorcycle laws in Arkansas?
Arkansas state law requires that all motorcycle riders have insurance.
Arkansas' legal motorcycle insurance minimums include only liability coverage, which pays for damage you cause to others.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
But Arkansas riders should consider getting more liability insurance than the state requires, along with extra coverage options.
For example, medical payments coverage will help pay your own medical bills if you're hurt in an accident, even if it's your fault. Comprehensive and collision coverages pay to repair or replace your bike if it's damaged.
In 2023, motorcycles were involved in almost 28 times as many fatal crashes per mile traveled as cars, according to the National Highway Traffic Safety Administration. You're also more likely to get hurt or damage your vehicle in a motorcycle crash than a car crash.
Motorcycle license requirements in Arkansas
To ride a motorcycle in Arkansas, you need to have a Class M license. This license also allows you to drive mopeds and motorized scooters.
To get an Arkansas motorcycle license, you need to:
- Pass a vision test
- Pass a written test
- Pass a motorcycle skills test
Frequently asked questions
Who has the best cheap motorcycle insurance in Arkansas?
Dairyland has the cheapest motorcycle insurance in Arkansas for most people, at an average of $17 per month. The company also has a strong reputation for customer satisfaction.
USAA also has affordable rates and good customer service, but you can get USAA coverage only if you are a current or former military member or an eligible family member.
What is the minimum insurance for a motorcycle in Arkansas?
In Arkansas, you need to have bodily injury liability coverage of at least $25,000 per person and $50,000 per accident. You also need $25,000 of property damage liability coverage per accident.
How much does motorcycle insurance cost in Arkansas?
Motorcycle insurance costs $34 per month, on average. That's roughly in line with the national average of $33 per month.
Methodology
To find the best cheap motorcycle insurance in Arkansas, ValuePenguin collected more than 200 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
Motorcycle crash statistics were provided by the National Highway Traffic Safety Administration.
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Former Senior Writer
Talon Abernathy is a former ValuePenguin Senior Writer who specialized in health insurance, Medicare and Medicaid. He also contributed to other insurance verticals including home, renters, auto, motorcycle and flood insurance.
Talon came to ValuePenguin in 2023. Since his arrival, he's helped to expand the site's health insurance-related content offerings. He enjoys helping readers understand the ins and outs of America's all too complicated health insurance landscape.
Before coming to ValuePenguin, Talon worked as a freelance writer. His prior work has touched on a broad range of personal finance-related topics including credit-building strategies, small business incorporation tactics and creative ways to save for retirement.
Insurance tip
In many parts of the country, you can qualify for a free Silver health insurance plan if you meet certain income requirements. Government subsidies in the form of premium tax credits and cost-sharing reductions may mean you'll pay nothing for coverage.
Expertise
- Health insurance
- Medicare and Medicaid
- Flood insurance
- Homeowners insurance
- Renters insurance
- Auto and motorcycle insurance
Referenced by
- The Miami Herald
- Money.com
- MSN
- Nasdaq
- The Sacramento Bee
- Yahoo! Finance
Education
- BA, University of Washington
- Certificate in Copyediting, UC San Diego
Credentials
- Licensed Life & Disability Insurance Agent
- Licensed Property & Casualty Insurance Agent
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
