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: April 20, 2025
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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 with 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
Below we'll detail key tips to help you save more on motorcycle insurance in Arkansas.
Choose a Coverage Level Beforehand
Understanding your actual motorcycle insurance needs helps prevent agents from upselling you on expensive policy features that exceed your personal needs. Assess your specific risks including riding habits, location and state accident costs enables you to confidently select appropriate coverage levels without paying for unnecessary protection.
Compare Multiple Providers
Comparing motorcycle insurance providers on identical coverage levels can save Arkansas riders up to 58% on their policies when quotes are evaluated on an "apples to apples" basis. To maximize these potential savings, we strongly recommend not only obtaining quotes from multiple insurance companies but also utilizing various comparison methods and channels during your search.
Take Advantage of Discounts
Riders can take advantage of numerous discounts to reduce premium costs, including pay-in-full, autopay, and military/membership reductions offered by most motorcycle insurance carriers. Bundling your motorcycle coverage with existing policies like auto or homeowners insurance also qualifies you for multi-policy discounts, providing substantial savings while maintaining coverage through your current provider.
Get a Full Motorcycle License
Obtaining a full motorcycle license rather than just an endorsement demonstrates your commitment to riding safely and signals to insurance companies that you represent a lower risk profile.
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
Below we've answered some frequently asked questions about Arkansas motorcycle insurance:
Which company has the cheapest car insurance in Arkansas?
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
How much does motorcycle insurance cost for most riders in Arkansas?
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.
Do you need motorcycle insurance in Arkansas?
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, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.