The Best Cheap Motorcycle Insurance in Arkansas
Dairyland has the cheapest motorcycle insurance in Arkansas at $17 per month for full coverage.
However, the cheapest option isn't always the best choice for you. Harley-Davidson and Progressive both offer rates that are almost as cheap as Dairyland. And both companies have better customer service reviews.
Compare Motorcycle Insurance Quotes in Arkansas
Best cheap AR motorcycle insurance
In Arkansas, you must have motorcycle insurance before you can ride. After collecting more than 250 quotes from across Arkansas, ValuePenguin found the best cheap motorcycle insurance companies for riders in the state.
Our editors rated the best motorcycle insurance companies in Arkansas based on customer service, cost and coverage availability.
To find the cheapest companies, we compared quotes for a full coverage policy with higher liability limits than the state minimum, collision and comprehensive coverage. Full methodology.
Cheapest motorcycle insurance companies in Arkansas
Dairyland offers the cheapest motorcycle insurance in Arkansas.
A full coverage policy from Dairyland costs $17 per month, which is half as much as most Arkansas riders pay for insurance. The average cost of motorcycle insurance in Arkansas is $36 per month, or $432 per year.
Compare Motorcycle Insurance Quotes in Arkansas
Harley-Davidson and Progressive also have very affordable rates for Arkansas riders. Both companies offer full coverage for around $18 per month.
These companies may be a better choice than Dairyland for many riders because they have better customer service reviews.
Best cheap motorcycle insurance in Arkansas
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $17 | |
| Harley-Davidson | $18 | |
| Progressive | $18 | |
| Geico | $42 | |
| Allstate | $44 | |
Best motorcycle insurance for most people: Harley-Davidson
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Editor rating
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Monthly rate
$18 ?
Pros and cons
Harley-Davidson has the best motorcycle insurance for most Arkansas riders based on its low rates and great customer service reviews.
Motorcycle insurance from Harley-Davidson costs around $18 per month. That's just $1 per month more than the cheapest option, Dairyland.
In addition, Harley-Davidson offers up to 13 discounts to help you save money on your motorcycle insurance. Some of these discounts are very easy to get. For example, you can get a discount for owning your home, paying your bill on time and having a motorcycle endorsement on your license.
Harley-Davidson also offers lots of coverage add-ons. Daily riders can benefit from Harley's roadside assistance and rental reimbursement coverage. And Arkansas riders who travel regularly can add on trip interruption and vacation rental insurance.
Riders are typically happy with the service they get from Harley-Davidson. According to the National Association of Insurance Commissioners (NAIC), it has far fewer complaints than similar insurance companies. That means you can count on Harley-Davidson to get you back on the road quickly after an accident.
Cheapest motorcycle quotes in Arkansas: Dairyland
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Editor rating
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Monthly rate
$17 ?
Pros and cons
Dairyland is the best motorcycle insurance for Arkansas riders whose main priority is finding the cheapest possible coverage.
Motorcycle insurance from Dairyland costs $17 per month for full coverage. That's about half the statewide average.
You could find even cheaper rates from Dairyland if you qualify for discounts. If you belong to a riding club, take a safety course or own your home, you may get a break on the price.
Dairyland is a good choice if your motorcycle is your primary vehicle. That's because it offers both rental reimbursement and roadside assistance.
- Rental reimbursement pays for temporary transportation while your bike is in the shop after an accident.
- Roadside assistance pays for towing, a tire change or fuel delivery if your motorcycle breaks down on the side of the road.
However, Dairyland customers aren't always happy with the service they get from the company. Dairyland gets 60% more complaints than a typical company of its size, according to the NAIC. That means it could take longer for Dairyland to settle your claim after a crash. And you may end up spending more money on repairs.
Best motorcycle insurance for extra coverage: Progressive
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Editor rating
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Monthly rate
$18 ?
Pros and cons
Progressive is the best motorcycle insurance for Arkansas riders looking for extra bike protection.
The average cost of coverage from Progressive is $18 per month. That's only $1 per month more than the cheapest company, Dairyland.
Progressive's basic policy also comes with several features that usually cost extra from other companies. You get replacement cost coverage and $3,000 of custom parts protection, with the ability to purchase up to $30,000. Progressive also includes original equipment manufacturer (OEM) parts coverage. That means it will fix your bike using parts from the manufacturer.
You can also add the following to your motorcycle insurance policy:
- Carried contents coverage
- Disappearing deductible
- Enhanced injury protection
- New motorcycle replacement
- Roadside assistance
- Trip interruption
Progressive gets around 35% fewer customer complaints than other major insurance companies, according to the NAIC. That means you can count on Progressive for a quick, easy claims process after a crash.
Arkansas motorcycle insurance costs by city
The most expensive cities in Arkansas to insure a motorcycle are Little Rock and North Little Rock.
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. On average, full coverage in Bella Vista costs just $32 per month.
AR motorcycle insurance quotes by city
City | Monthly cost | % from average |
|---|---|---|
| Arkadelphia | $36 | 0% |
| Batesville | $33 | -8% |
| Bella Vista | $32 | -10% |
| Benton | $33 | -7% |
| Bentonville | $33 | -9% |
Larger cities like Little Rock and West Memphis, which is across the river from Memphis, Tennessee, 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.
Arkansas motorcycle insurance requirements
Motorcycle riders in Arkansas must have a minimum amount of bodily injury and property damage coverage. This requirement is sometimes referred to as 25/50/25. It's the same amount of insurance required for drivers of private passenger vehicles.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per person
Police officers in Arkansas can check real-time insurance information when they run your plates after a traffic stop or accident. You may have to pay a fine if you don't have enough coverage.
If you let your insurance lapse, you'll get a notice and must pay a $100 fine. The state will suspend your motorcycle registration if you don't submit proof of insurance or pay the fine.
Do you need a motorcycle license in Arkansas?
There are two types of motorcycle license endorsements for drivers in Arkansas: Class M and Class MD. A Class M motorcycle endorsement allows you to drive a motorcycle or similar vehicles on Arkansas roads. You must be 16 years or older to get this certification.
A Class M license:
- Costs $40
- Expires after eight years
- Requires a written test, skills test and vision test
A Class MD license is for minors ages 14 to 15. It only applies to bikes with engines up to 250cc. As with a Class M license, qualifying for an MD endorsement requires a written test, road test and parent or guardian consent.
Frequently asked questions
How much does motorcycle insurance cost in Arkansas?
The average cost of motorcycle insurance in Arkansas is $36 per month for full coverage. That's 8% more expensive than the national average.
Do you have to have motorcycle insurance in Arkansas?
Yes, you must have motorcycle insurance to drive on Arkansas roads legally. Riders must have a minimum of $25,000 of bodily injury liability per person and $50,000 per accident. You must also have $25,000 of property damage liability coverage per accident.
What is the cheapest full coverage motorcycle insurance in Arkansas?
Dairyland has the cheapest full coverage motorcycle insurance in Arkansas at $17 per month. Harley-Davidson and Progressive offer rates that are almost as cheap. And they offer more coverage options and better service.
Compare motorcycle insurance in Arkansas vs other states
Methodology
To find the best motorcycle insurance in Arkansas, ValuePenguin collected more than 250 quotes from 41 of the largest cities 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, including higher liability limits than the state requirement and 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
Our experts considered three main categories to determine Arkansas's best motorcycle insurance companies.
- Cost: the price a typical rider might expect to pay for coverage.
- Coverage options: how the included coverage and extra features offered by one company stack up against others.
- Customer service: does the company have a reputation for meeting its customers' needs?
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.