Arkansas motorcycle insurance

What are the minimum requirements for motorcycle insurance in Arkansas?

All riders are required to carry motorcycle liability coverage for bodily injury and property damage in Arkansas. If your assets are more than the minimum amount of liability coverage, you may increase your coverage limits for more protection. Note that property damage liability doesn’t cover your own motorcycle.

Arkansas also requires uninsured/underinsured bodily injury and property damage coverage and personal injury protection (PIP), but you may reject these coverages by submitting a signed form if you choose not to carry them.

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are typically required by your lender if you finance or lease your motorcycle. Even if your vehicle is paid off, coverage against physical damage may be worthwhile, especially if you’ve invested in your motorcycle. Comprehensive covers incidents out of your control, including motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your bike if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Arkansas?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Arkansas with liability coverage only was $150.48.^* Many factors affect your price for motorcycle insurance, such as your type of bike , age, driving history, location, and coverage selection. Find out more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Arkansas?

One in 3 insured motorcycle riders choose Progressive for dependable and customized coverage at an affordable cost.^** If you ride in Little Rock, Fayetteville, Fort Smith or any other city, get peace of mind while riding with cheap motorcycle insurance in Arkansas from Progressive.

We can help Arkansas riders lower the cost of a motorcycle policy with motorcycle insurance discounts, such as:

• Multi-policy discount
• Responsible driver discount
• Anti-lock brakes discount
• Association membership discount
• Advanced quote discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Arkansas

For greater protection, these optional coverages can be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: May pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels, up to your coverage limit
• Medical payments: Pays for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: Can pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: May pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Motorcycle regulations in Arkansas

1. All riders and passengers under 21 must wear helmets in Arkansas. Riders 21 and older have the option to not wear a helmet if they have medical insurance coverage worth $10,000 minimum.
2. There are two types of motorcycle license endorsements in Arkansas: a class MD endorsement and a Class M endorsement. The Class MD endorsement is for 14 and 15-year-old riders. The Class M endorsement is for riders 16 and older.
3. Class M motorcycle licenses expire after 8 years.

Get Arkansas motorcycle insurance