The Best Cheap Motorcycle Insurance in Arkansas
Dairyland has the cheapest motorcycle insurance in Arkansas, with average rates of $17 per month.
Find Cheap Motorcycle Insurance Quotes in Arkansas
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.
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 | $17 | |
| Harley-Davidson Insurance | $18 | |
| Progressive | $18 | |
| Geico | $42 | |
| Allstate | $44 | |
| Nationwide | $64 | |
Best motorcycle insurance in Arkansas: Dairyland
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Editor's rating
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Cost: $17/month
Overview
Pros/cons
Dairyland offers the best combination of cheap rates and good customer service for Arkansas motorcycle riders.
Overview
Dairyland offers the best combination of cheap rates and good customer service for Arkansas motorcycle riders.
Pros/cons
Pros:
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Cheap monthly rates
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Strong customer service
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Extra coverage options available
Cons:
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Expensive car insurance makes it a poor choice for bundling
Dairyland offers the best combination of cheap rates and good customer service for Arkansas motorcycle riders.
Pros:
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Cheap monthly rates
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Strong customer service
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Extra coverage options available
Cons:
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Expensive car insurance makes it a poor choice for bundling
A full coverage motorcycle insurance policy from Dairyland costs $17 per month, on average. That's roughly half the Arkansas state average of $34 per month.
You can lower your monthly rate even further by taking advantage of one or more of Dairyland's discounts. For example, Dairyland lets you save if you own your home, have multiple motorcycle policies or have completed a rider safety course.
Dairyland also lets you personalize your coverage with many add-ons, such as roadside assistance, rental reimbursement and coverage for guest passengers. Plus, you can pay extra to get coverage for special equipment.
Best motorcycle insurance in Arkansas for coverage extras: Progressive
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Editor's rating
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Cost: $18/month
Overview
Pros/cons
Progressive lets you personalize your policy with a broad range of coverage extras.
Overview
Progressive lets you personalize your policy with a broad range of coverage extras.
Pros/cons
Pros:
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Affordable rates
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Good service reputation
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Many coverage extras
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Lots of discounts
Cons:
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No rental reimbursement
Progressive lets you personalize your policy with a broad range of coverage extras.
Pros:
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Affordable rates
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Good service reputation
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Many coverage extras
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Lots of discounts
Cons:
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No rental reimbursement
Progressive stands out for its many coverage add-ons. These include extras such as coverage for special equipment, roadside assistance and trip interruption. You can also get insurance for your cellphone and other personal items, called carried contents coverage.
Progressive has affordable rates, at $18 per month, on average. That's close to half the statewide average of $34 per month. You can get even cheaper coverage by taking advantage of discounts such as getting your quote early and bundling your auto and motorcycle insurance.
The company has a strong reputation for customer service. Progressive gets roughly 30% fewer complaints than an average company its size. Customers also gave Progressive a strong customer satisfaction rating, according to J.D. Power.
The main drawback to Progressive is that it doesn't offer rental reimbursement coverage.
Best motorcycle insurance in AR for touring: Harley-Davidson
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Editor's rating
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Cost: $18/month
Overview
Pros/cons
Harley-Davidson is a good choice for motorcycle insurance if you go on frequent road trips.
Overview
Harley-Davidson is a good choice for motorcycle insurance if you go on frequent road trips.
Pros/cons
Pros:
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Cheap quotes
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Good road trip coverage options
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Reliable customer service
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Many discounts and coverage extras
Cons:
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No home or auto insurance bundling discount available
Harley-Davidson is a good choice if you go on frequent road trips.
Pros:
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Cheap quotes
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Good road trip coverage options
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Reliable customer service
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Many discounts and coverage extras
Cons:
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No home or auto insurance bundling discount available
Harley-Davidson is a good choice if you take your motorcycle on long trips because it offers roadside assistance and vacation rental add-on coverage. The company also offers cheap rates, at an average cost of $18 per month.
Plus, Harley-Davidson lets you lower your monthly rate even further with many discounts for motorcycle insurance.
You can personalize your Harley-Davidson motorcycle insurance in several ways. For example, you can add replacement cost and custom parts coverage to your policy. You can also buy coverage that pays for a rental motorcycle after an accident, called rental reimbursement.
Harley-Davidson doesn't sell home or auto insurance. That means you can't get a bundling discount through the company.
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.
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.