The Best Cheap Motorcycle Insurance in Arkansas

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In Arkansas, you must obtain motorcycle insurance before you can ride. Finding the best provider for your budget and riding needs can help you get the most out of your coverage.

After collecting more than 150 quotes from across Arkansas, we determined that the best motorcycle insurance for most people in the state is Progressive.

Progressive's average annual premium is $699, which beats the statewide average by $67. Use our quote box to connect with insurers in your area, or continue reading our breakdown of the best motorcycle insurance in Arkansas.

Best motorcycle insurance for most people: Progressive

Progressive's low prices and its range of coverage make it the best motorcycle insurance in Arkansas.

Read the full review.

The good:

  • On average, rates are the cheapest in the state.
  • Standard policies come with the most included coverage.

The bad:

  • The endorsements aren't the best for touring riders.

Progressive is the best motorcycle insurance for most Arkansas riders. Its low rates and the basic policy's level of protection set Progressive apart from the other motorcycle insurers in the state.

The average cost of coverage with Progressive is $699 per year — about 9% cheaper than the statewide average cost of motorcycle insurance. We also found that Progressive's average price is about $40 cheaper than the next most affordable insurer in Arkansas.

You can lower the cost of motorcycle insurance even further through Progressive's various discounts. Many of these discounts have easy requirements. For example, showing your valid motorcycle license, scheduling automatic monthly payments or completing a safety course could get you a break on the price. We also recommend Progressive if you already have auto insurance with the company.

Progressive's standard policy comes with several features that usually cost extra at other providers. You get replacement cost coverage and $3,000 of custom parts protection with the ability to purchase up to $30,000. Normally, these protections qualify as endorsements or add-ons, but Progressive includes them in a typical policy.

Additionally, you can add the following to your motorcycle insurance policy:

  • Original equipment manufacturer (OEM) parts replacement
  • Total loss coverage for motorcycles 1 year old or newer
  • Roadside assistance
  • Trip interruption, which pays $500 for lodging and expenses if you're stranded
  • $250 per week if you're injured or $25,000 to your family if you're killed riding your motorcycle

Best motorcycle insurance for touring: Nationwide

If you like to ride long distances, Nationwide's two levels of trip protection coverage will allow you to personalize your insurance.

Read the full review.

The good:

  • Nationwide offers trip interruption and roadside assistance services.
  • Standard policies come with $3,000 of custom equipment and parts coverage.

The bad:

  • There's no OEM coverage for bikes more than 10 years old.

Nationwide's multiple forms of roadside assistance make it the best motorcycle insurance for people who take their bikes touring. Nationwide's affordable price of $741 per year and policy features also make it a fine alternative to Progressive for motorcycle insurance — especially for people who have an existing homeowners or auto insurance policy with Nationwide.

There are two forms of roadside assistance offered by Nationwide: basic and plus. Both endorsements include towing, gas delivery and tire changes. We've displayed the services of both the basic and plus plans below:

Roadside assistance planFeatures
BasicTowing for up to 15 miles
Ditch extraction
Lockout services for up to $100
PlusIncludes all of the above
Towing for up to 100 miles
$500 for lodging, food and alternate transportation

Nationwide's other notable endorsements include optional OEM coverage and up to $30,000 of coverage for your bike's custom equipment and parts. Like Progressive, Nationwide includes $3,000 of custom equipment and parts coverage with the purchase of a standard policy. You can't get replacement cost coverage with Nationwide, however.

Data from the National Association of Insurance Commissioners (NAIC) suggests that Nationwide's customer service is among the best in the state. The NAIC collects complaint data on each insurer, compares it to the overall market share, and calculates a Complaint Index. Nationwide's Complaint Index reveals that it receives only about a third of the complaints expected from a company of its size.

Best motorcycle insurance for enthusiasts: Dairyland

Dairyland's add-ons are great for people who rely on their motorcycle as their only form of transportation.

Read the full review.

The good:

  • There are many endorsements to choose from.
  • It's fairly affordable in Arkansas.

The bad:

  • Basic policies don't cover the cost to replace custom parts, unlike other companies.

Dairyland is the best motorcycle insurance for Arkansas's most frequent riders. Dairyland is the only company we surveyed that offers rental reimbursement, which provides temporary transportation while your bike is unrideable. Additionally, its roadside assistance add-on ensures that you won't be stranded if your motorcycle breaks down on a long ride.

If you want more coverage, you may also add:

  • Replacement cost coverage if your motorcycle is 3 years old or younger
  • Special parts coverage for modifications or custom equipment
  • Original equipment manufacturer parts coverage
  • Guest passenger protection

The average cost of Dairyland's motorcycle insurance in Arkansas is about $785 per year, only 3% more expensive than the typical statewide cost of coverage. Since Dairyland's premiums are so close to Arkansas's average cost of motorcycle insurance, it's worth considering even if you're not among the state's most enthusiastic motorcycle riders.

You could reduce the price of your premium below the statewide average if you're able to qualify for Dairyland's discounts. For example, if you're part of a riding club, take a safety course or show that you're a homeowner, then you may get a break on the price.

How we chose the best motorcycle insurance in Arkansas

We considered three main categories to determine the best motorcycle insurance provider in Arkansas. The best motorcycle insurance providers stand out from other insurers in these ways:

  • Affordability: The price a typical consumer 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 insurer have a reputation for meeting its customers' needs?

Policies should fit into your budget and be affordable enough for you to consider extra protection if you need it. However, a company's standard policies ought to provide enough coverage without requiring you to spend lots of additional money on upgrades. Finally, a company should demonstrate the ability to deliver on its obligations.

Affordability: Comparing motorcycle prices in Arkansas

The price of an insurance premium can be the sole determining factor for many people shopping for motorcycle insurance. We compiled rate information for addresses across Arkansas to calculate the cost of coverage in the state.

The average price of motorcycle insurance in Arkansas is $766 per year. Comparatively, we found that the mean cost of coverage nationally is cheaper, typically around $702 annually.

A bar graph showing the average costs of motorcycle insurance in Arkansas
A bar graph showing the average costs of motorcycle insurance in Arkansas
InsurerAverage cost% difference from statewide average
Progressive$699-9%
Nationwide$741-3%
Average cost in Arkansas$7660%
Dairyland$7853%
GEICO$8379%

The cost of motorcycle insurance depends on a number of factors: your driving history, the type of bike you own and the amount of coverage you purchase, among others. Your rates may be different from ours. We gathered quotes for a 45-year-old homeowner with 20 years' motorcycle experience, riding a 2019 Harley-Davidson FLHX Street Glide.

Instead of searching for the absolute cheapest rates, it's a good idea to buy enough coverage to protect your financial assets if you were involved in a serious accident. Just make sure it fits within your budget. The following table shows the amount of motorcycle insurance we used to request our quotes.

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: Included/$500 deductible
  • Comprehensive coverage: Included/$500 deductible
  • All other coverages: Not included

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Coverage options: Evaluating motorcycle insurance policies and benefits

The insurers we compared all offer enough insurance to meet the legal minimum requirements mandated by Arkansas. Each company also offers optional endorsements you can use to personalize your coverage beyond the limits called for by the state.

We typically recommend companies whose standard policies provide practical coverage while allowing policyholders to raise or lower coverage limits and purchase useful endorsements. As your needs evolve, your provider should be able to change along with you.

Insurance providerMaximum liability limitReplacement cost coverageOEM parts replacementCustom partsRoadside assistanceRental reimbursement
Progressive$250,000/$500,000X†XX†X-
GEICO$250,000/$500,000---X-
Dairyland$100,000/$300,000XXXXX
Nationwide$500,000/$500,000-XX†X-
†-Indicates that the provider includes this form of coverage in the price of its standard motorcycle insurance.

Customer service: Considering insurer quality in service and claims

To determine which motorcycle insurance company in Arkansas has the best customer service, we compared the complaint data of the state's largest auto insurance companies, which we retrieved from the NAIC. Additionally, we consulted the scores awarded on J.D. Power's U.S. Auto Insurance Study of the American Southeast and A.M. Best's Financial Strength Rating (FSR).

CompanyNAIC Complaint IndexJ.D. Power (of 17)A.M. Best FSR
State Farm0.576thA++
Southern Farm Bureau0.23Not ratedA+
Progressive0.9912thA+
Shelter0.34Not ratedA
Allstate0.6316thA+
GEICO0.928thA++
USAA0.842ndA++
Farmers0.79Not ratedA
Safeco0.6610thA
Nationwide0.369thA+
Dairyland2.12Not ratedA+

NAIC Complaint Index: The National Association of Insurance Commissioners (NAIC) finds the Complaint Index by dividing the number of complaints an insurer receives by its market share. As a company's expected number of complaints is represented by the benchmark 1.0, a score of more than 1.0 means that the company receives a greater number of complaints than its size suggests.

J.D. Power rankings: J.D. Power's Auto Insurance Study of providers in the southeastern United States ranks 17 companies based on the attitudes of consumers. Companies are evaluated on a scale of 1 to 5 for various categories, where 5 indicates a high degree of satisfaction.

A.M. Best Financial Strength Rating: A.M. Best rates insurance providers based on their ability to fulfill their financial obligations in the event of a catastrophic scenario or during an economic downturn. Most companies tend to be well-rated by A.M. Best, but this tool could help you avoid providers that pose a financial risk.

Arkansas motorcycle insurance: Costs by city

Using the rate information we gathered for this survey, we averaged the cost of coverage in many of Arkansas's largest cities. In the following table, we've displayed this information along with each city's difference from the state's average rate of $766 per year.

The most expensive cities in Arkansas to insure a motorcycle are Little Rock and North Little Rock, which both have average rates of $887 per year. Conversely, the town of Osceola is the cheapest place in Arkansas for motorcycle insurance.

City (by population)Average% difference from statewide average
Little Rock$88716%
Fort Smith$728-5%
Fayetteville$743-3%
Springdale$751-2%
Jonesboro$724-5%
Rogers$743-3%
Conway$758-1%
North Little Rock$88716%
Bentonville$743-3%
Pine Bluff$7994%
Hot Springs$7731%
Benton$758-1%
Sherwood$86112%
Texarkana$7853%
Russellville$738-4%
Paragould$714-7%
Bella Vista$736-4%
Jacksonville$86112%
Cabot$758-1%
West Memphis$88215%
Searcy$736-4%
Van Buren$728-5%
Bryant$7842%
Maumelle$86112%
El Dorado$716-7%

Arkansas motorcycle insurance requirements

Arkansas requires its motorcycle riders to buy the same amount of auto insurance as its conventional drivers. Thanks to a law that was passed at the beginning of 2020, law enforcement officers in the state are cracking down on uninsured drivers. Officers can now assess real-time insurance information when they run plates, meaning you will be fined if you don't have adequate coverage.

Also, if you let your insurance lapse, then you'll receive a notification you that you're not in compliance, along with a $100 fine. Without verifying your proof of insurance or paying the fine, your vehicle's registration will be suspended.

CoverageRequired limit
Bodily injury liability insurance$25,000 per person/$50,000 per accident
Property damage liability insurance$25,000 per person/$50,000 per accident

How do you get 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 legally operate a motorcycle or similar vehicles on Arkansas's roadways. You must be 16 years or older to receive certification. A class M license:

  • Costs $40.
  • Expires after eight years.
  • Requires you to complete a written test, skills test and a vision test.

A class MD endorsement is for minors aged 14 to 15 years old. 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 consent of a parent or guardian.

Methodology

To complete our survey of the best motorcycle insurance in Arkansas, we collected more than 150 quotes from ZIP codes across the state. All quotes were for a 45-year-old male rider of a 2019 Harley-Davidson FLHX Street Glide. Our rider was a married homeowner who has 20 years' experience riding motorcycles. All of these elements will factor into your quoted rate.

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.