The Best Cheap Motorcycle Insurance in Arkansas

The Best Cheap Motorcycle Insurance in Arkansas

The cheapest motorcycle insurance in Arkansas is offered by Geico, with an average rate of $262 per year, a ValuePenguin analysis found. Progressive offers rates that are almost as cheap, for a policy with a wider list of coverage options.

In Arkansas, you must obtain motorcycle insurance before you can ride. We worked to find the most affordable motorcycle insurer in the state and found the average annual rate to be $778.

Compare Motorcycle Insurance Quotes in Arkansas

Currently insured?

After collecting more than 200 quotes from across Arkansas, we determined some of the best motorcycle insurance companies for riders in the state. 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 range of coverage make it the best motorcycle insurance in Arkansas.
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The good:

  • Some of the cheapest rates in the state, on average.
  • Standard policies come with the most included coverage.

The bad:

  • Does not have the lowest rates overall.

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 other motorcycle insurers in the state.

The average cost of coverage from Progressive is $646 per year — about 17% cheaper than the statewide average cost of motorcycle insurance. We also found that Progressive's average price is about $116 cheaper than every Arkansas insurer surveyed besides Geico.

You can lower the cost of motorcycle insurance even further with Progressive's various discounts. Many of these discounts have easy requirements. For example, showing a 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 also has the lowest rate of complaints among major insurers in the state. It gets just 39% of the complaints expected for a company its size, according to the National Association of Insurance Commissioners.

Progressive's standard policy comes with several features that usually cost extra from other providers. You get replacement cost coverage and $3,000 of custom parts protection, with the ability to purchase up to $30,000. These protections usually 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 one 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 for low rates: Geico

Geico offers the rock-bottom lowest rates in Arkansas and has a strong customer service reputation.
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The good:

  • The state's lowest rates.
  • A relatively strong reputation for customer service.

The bad:

  • Relatively few extra coverage options.

Riders looking for the absolute cheapest rates in Arkansas should go with Geico. The company charges 20% less than the state average, according to our data.

Geico's annual rate is $626 per year, on average. That’s $20 per year less than Progressive and $136 less than Dairyland, the next two cheapest options in the state.

Geico also has a NAIC Complaint Index of 0.67, meaning it received only about 67% of the expected number of complaints for a company its size. That number was the second best, after Progressive, among companies surveyed.

Geico does not offer the most robust set of coverages, but riders can get emergency roadside service, and collision coverage can protect a rider's helmet. The company also offers accessories coverage, which protects items such as:

  • Non-stock sidecar
  • Trike conversion kit
  • Seats and saddlebags
  • Electronic equipment

Best motorcycle insurance for daily riders: Dairyland

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

  • There are many endorsements to choose from.
  • Rental reimbursement is a coverage option.

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.

That pairing can be extremely valuable if your bike is your primary means of transportation.

The average cost of Dairyland's motorcycle insurance in Arkansas is $762 per year, 2% cheaper than the typical statewide cost of coverage. Since Dairyland's premiums are so close to the state’s average cost of motorcycle insurance, it's worth considering even if you're not among the most enthusiastic motorcycle riders.

You could reduce the price of your premium below the statewide average if you 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.

If you want more coverage, you may also add:

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

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 $778 per year. Comparatively, we found that the mean cost of coverage nationally is cheaper, typically around $721 annually.

A bar graph showing the average monthly costs of motorcycle insurance in Arkansas

Compare Motorcycle Insurance Quotes in Arkansas

Currently insured?
Insurer
Average cost
% difference from statewide average
Geico$626-20%
Progressive$646-17%
Dairyland$762-2%
State average$7780%
Nationwide$7800%
Allstate$1,07738%

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 of motorcycle experience, riding a 2021 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 are 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

Compare Motorcycle Insurance Quotes from Providers in Arkansas

Currently insured?

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 provider
Replacement cost coverage
OEM parts replacement
Custom parts
Roadside assistance
Rental reimbursement
DairylandXXXXX
Geico---X-
Nationwide-XX†X-
ProgressiveX†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 AM Best's Financial Strength Rating (FSR).

Company
NAIC Complaint Index
AM Best FSR
Progressive0.39A+
Geico0.67A++
Allstate0.87A+
Dairyland2.69A+
USAA0.85A++

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.

AM Best Financial Strength Rating: AM 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 AM 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 display this information along with each city's difference from the state's average rate of $778 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 $920 per year. Conversely, the town of Osceola is the cheapest place in Arkansas for motorcycle insurance.

City
Annual cost
Difference from statewide average
Arkadelphia$7992.66%
Batesville$746-4.19%
Bella Vista$745-4.29%
Benton$762-2.11%
Bentonville$754-3.13%
Blytheville$725-6.91%
Bryant$7820.50%
Cabot$762-2.11%
Camden$745-4.29%
Clarksville$729-6.32%
Conway$762-2.11%
El Dorado$729-6.32%
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Arkansas motorcycle insurance requirements

Arkansas requires motorcycle riders to buy the same amount of auto insurance as drivers of private passenger vehicles. 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 may be fined if you don't have adequate coverage.

Also, if you let your insurance lapse, you'll receive a notification 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.

Coverage
Required limit
Bodily injury liability$25,000 per person/$50,000 per accident
Property damage liability$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 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 consent of a parent or guardian.

Methodology

To complete our survey of the best motorcycle insurance in Arkansas, we collected more than 205 quotes from ZIP codes across the state. All quotes were for a 45-year-old male rider of a 2021 Harley-Davidson FLHX Street Glide. Our rider was a married homeowner who has 20 years of experience riding motorcycles. All of these elements may 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.