Dairyland offers the cheapest motorcycle insurance in Arkansas with median rates of $23 monthly or $275 annually, while Geico, Shelter, Progressive and Harley Davidson also provide some of the most affordable coverage options in the state.
Cheapest Motorcycle Insurance in Arkansas
Updated: September 17, 2026
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Key Takeaways
For most riders in Arkansas, Dairyland offers the cheapest motorcycle insurance with average annual rates of $145 for minimum coverage and $406 for full coverage.
Motorcycle insurance in Arkansas costs an average of $11 per month for minimum liability coverage and $58 monthly for full coverage policies.
Comparing quotes from multiple providers, completing certified motorcycle safety courses, and obtaining a full motorcycle license can dramatically reduce your insurance costs.
Cheapest Motorcycle Insurance Companies in Arkansas
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Dairyland | $23 | $275 |
Geico | $23 | $276 |
Shelter Insurance | $24 | $282 |
Progressive | $25 | $298 |
Harley Davidson | $77 | $927 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Motorcycle Insurance by Category in Arkansas
While Progressive is the cheapest overall for most drivers, this will differ by your profile. So below we've summarized the lowest cost motorcycle insurance providers in Arkansas for the most common rider categories.
Cost Category | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Minimum Liability Coverage | Shelter Insurance | $5 |
Full Coverage | Dairyland | $34 |
Young Riders | Shelter Insurance | $8 |
Seniors | Geico | $8 |
Riders with a Speeding Ticket | Geico | $8 |
Riders with an At-Fault Accident | Shelter Insurance | $3 |
Riders with a DUI | Shelter Insurance | $3 |
*Minimum coverage and full coverage picks presented are for a 40-year-old rider with no driving violations who is insuring a 2023 Honda CRF450RL. Young riders are aged 16-25 and seniors are 65-80 for the base profile mentioned. The other cost profiles modify the base profile's driving history.
How Much Is Motorcycle Insurance in Arkansas?
The average annual cost of motorcycle insurance in Arkansas is around $132 for minimum coverage and $691 for full coverage. These costs make the state the 27th in affordability for minimum coverage and the 15th most expensive overall for full coverage motorcycle policies.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $11 | $132 | -14% |
Full Coverage | $58 | $691 | 21% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How to Save on Arkansas Motorcycle Insurance
These are key tips to help you save more on motorcycle insurance in Arkansas.
Choose a Coverage Level BeforehandKnow your actual motorcycle insurance needs before talking to an agent. Riding habits, location and state accident costs all factor into the right coverage level. This helps you avoid paying for protection you don't need.
Compare Multiple ProvidersComparing motorcycle insurance providers on identical coverage levels can save Arkansas riders up to 58% on their policies. Get quotes from multiple companies and use more than one comparison channel to find the best rate.
Take Advantage of DiscountsMost motorcycle insurance carriers offer discounts for paying in full, enrolling in autopay, and military or membership affiliations. Bundling motorcycle coverage with an existing auto or homeowners policy also qualifies riders for a multi-policy discount.
Get a Full Motorcycle LicenseA full motorcycle license, not just an endorsement, shows a commitment to riding safely. Insurers view it as a signal of lower risk.
Cheap Motorcycle Insurance Arkansas: Bottom Line
Our top three picks for affordable motorcycle insurance in Arkansas are Dairyland, Geico and Shelter Insurance. Even though we recommend these providers, we urge you to compare options for yourself to get the best deal possible.
Arkansas Motorcycle Insurance: FAQ
These are frequently asked questions about Arkansas motorcycle insurance:
For basic liability-only policies, Shelter Insurance offers the cheapest option at $5 monthly or $63 per year. Rates for full coverage are cheapest with Dairyland at $34 per month or $406 annually.
The average cost of motorcycle insurance in Arkansas is $691 per year or $58 monthly for full coverage policies and $132 annually or $11 monthly for liability-only policies.
Yes, Arkansas requires that all riders have motorcycle insurance with at least 25/50/25 in liability coverage.
How We Chose The Cheapest Motorcycle Insurance in Arkansas
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage, we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.