
4.8/5
Affordability
4.7/5
User Satisfaction
4.5/5
Financial Stability
Minimum liability coverage might cost less than full coverage, but it offers scant protection after an accident. Though costlier, it’s better to opt for full coverage with comprehensive and collision insurance to enhance your liability limits. MoneyGeek’s research used rates for a safe rider with a 50/100/25 liability-only coverage policy.
On average, the most affordable firms for a safe biker with liability-only motorcycle insurance in Arkansas are:
The least expensive carrier, Markel, offers rates that are 42.8% cheaper than the costliest provider, Harley-Davidson.
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Bikers making payments for their motorcycle insurance will likely need full coverage insurance. Full coverage with collision and comprehensive insurance offers greater protection than a liability-only plan and can shield you and your bike from non-collision incidents.
MoneyGeek’s data shows that the least expensive motorcycle insurance providers in Arkansas for a safe biker with a full coverage policy, including 50/100/25 coverage and a $500 deductible, are:
Dairyland’s rates are 79.8% more affordable than those of the most expensive provider, Nationwide.
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Ensure you're getting the best rate for your motorcycle insurance. Compare quotes from the top insurance companies.
Motorcycle insurance rates in Arkansas depend on a range of factors, including the rider’s age, riding record, years of riding experience, bike model and coverage amounts. MoneyGeek found average premium costs from leading providers in the state for various rider profiles.
Riders in Arkansas pay an average of $411 per year or $34 per month for a full coverage policy. This rate is $48 more expensive than the national average.
For a liability-only plan, bikers pay $94 per year or $8 per month, a rate $47 cheaper than the national average. Keep in mind that minimum coverage won’t cover your medical expenses or bike repair costs if you’re the one at fault in an accident.
The rates provided in this analysis are based on average quotes for a policy with $50,000/$100,000 of bodily injury liability coverage, $25,000 in property damage liability insurance and a $500 deductible.
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Ensure you're getting the best rate for your motorcycle insurance. Compare quotes from the top insurance companies.
MoneyGeek ranked motorcycle insurance companies in Arkansas based on a comprehensive scoring system that assesses each provider’s products and services, financial stability and affordability. According to these metrics, Progressive is the highest-scoring motorcycle insurance provider in the state.
According to MoneyGeek’s study, the following three companies are the best motorcycle insurance carriers in Arkansas:
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Progressive wins out as the best provider in Arkansas with a MoneyGeek score of 94.04 out of 100. This carrier charges $75 per year for liability-only coverage and $269 for full coverage.
Progressive offers comprehensive motorcycle insurance coverage, including full replacement expenses on parts that have reduced in value. Both casual riders and collectors can easily customize coverage with this provider to meet their needs. The company also stands out for its original equipment manufacturer (OEM) parts coverage.
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Markel is the runner-up in Arkansas with a score of 90.37. This provider’s average annual rates for liability-only coverage are $68, and its full-coverage policy premiums are $412.
Markel offers extra features to its policyholders apart from standard coverages such as comprehensive and collision and liability coverage. For example, its rental reimbursement plan covers the cost of a rental vehicle if your bike becomes unusable after a covered accident. Other unique features include mechanical breakdown coverage and coverage for motorcycle trailers. Policyholders can also add coverage for bike accessories and roadside assistance.
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With a score of 88.38, Dairyland takes third place in Arkansas. For liability-only coverage, this carrier charges an average of $105 per year. The company’s average annual rate is $188 for a full coverage policy.
Dairyland offers comprehensive motorcycle insurance coverage that includes add-ons such as replacement coverage for vehicles up to three years old, rental reimbursement, trip interruption benefit, towing and roadside assistance. Apart from regular coverage, this company offers extra features like guest passenger and special equipment coverages. Policyholders can save on their premiums with homeowner, multi-cycle, rider safety course, policy transfer, rider group and loyalty rebate discounts. Flexible payment choices make it easy for customers to pay their policies with ease.
Comparing quotes from multiple providers can help you find the cheapest motorcycle insurance in Arkansas. Get an online quote by providing the following:
Ensure you're getting the best rate for your motorcycle insurance. Compare quotes from the top insurance companies.
Arkansas stipulates that bikers should have minimum coverage when they ride their vehicle. The state’s minimum coverage regulations include:
In Arkansas, the minimum liability-only coverage standard for all motor vehicles is 25/50/25. This means your motorcycle insurance in Arkansas should have liability limits of at least $25,000 for bodily injury per person, with a total of $50,000 per accident and $25,000 for property damage liability coverage. Your insurer will need to meet these coverage limits in an at-fault accident.
Arkansas mandates that bike riders should have PIP coverage in addition to bodily injury and property damage coverage. However, underinsured motorist and uninsured motorist coverages are not compulsory. You can add these features to your policy to enhance your protection.
MoneyGeek recommends that motorcyclists in Arkansas buy a full-coverage insurance plan of at least 50/100/25. While this is the bare minimum we recommend, we encourage riders to obtain 100/300/100 coverage, which comes with considerable coverage at a small additional cost. This state also requires PIP coverage, so be sure to purchase at least the state minimum.
MoneyGeek answered frequently asked questions to help riders find the best motorcycle insurance in Arkansas.
Ensure you're getting the best rate for your motorcycle insurance. Compare quotes from the top insurance companies.
MoneyGeek collected the information on this page from dependable government sources. We gathered rates from multiple providers based on different coverage amounts and rider profiles to help users find the most suitable carrier for their needs. The best motorcycle insurance providers in Arkansas were ranked based on three factors: AM Best’s financial stability metrics (10% weightage), products and services offered (30% weightage) and policy cost in Arkansas (60% weightage).
About Mark Fitzpatrick