Arkansas Motorcycle Insurance

According to the Arkansas Department of Motor Vehicles: ”Every motor vehicle operated on roadways must have liability insurance to help pay for injuries or property damage resulting from a accident.”  That includes motorcycles, of course.

Arkansas is a ”no fault” state, making all drivers liable for injuries to themselves and their passengers in the event of an accident. Without the appropriate motorcycle insurance coverage, you could find yourself owing hundreds of thousands of dollars in healthcare bills.

Arkansas Motorcycle Coverage

Rates & Policies Online

Enter Zip Code

Arkansas Motorcycle Insurance:  Minimum Requirements

Arkansas motorcycle insurance is governed by multiple state statutes. These statutes require that owners carry motorcycle insurance with minimum coverages of:

  • $25,000 for death or bodily injury to one person;
  • $50,000 for death or bodily injury to two or more persons; and
  • $25,000 for damage or destruction of property.

These are just the minimum coverages required by the state. If you have ever stayed in the hospital for more than a single night, you know that you can easily exceed those coverage amounts. Also, even though Arkansas is a ”no fault” state, that doesn’t mean that another party will not try to sue you, further exposing you to financial hardship. Most motorcycle owners should carry coverage that far exceeds the minimums set by Arkansas mandates.

Coverage Options to Consider

The minimum coverage amounts required by the state of Arkansas aren’t really sufficient. That is why you should always carry additional coverage. If you had to borrow money to buy your bike, your lender will require better coverage as a condition of the loan. Even if you own your bike free and clear, you should consider keeping the following coverages in place:

Motorcycle Collision Coverage

This protection covers your bike in an accident whether it is your fault or not. This type of policy may or may not include uninsured/under-insured coverage. If it doesn’t be sure to add it on.

Uninsured Motorist Coverage

Uninsured motorist coverage: at 15.9 percent, Arkansas has an unacceptable rate of uninsured motorists on the road, making uninsured motorist coverage necessary. This coverage makes sure you and your bike are protected against an uninsured driver.

Comprehensive Coverage:

This protection covers items like fire, wind, water, theft, and vandalism.

Bodily Injury Coverage

This protection covers certain costs if you injure or kill someone in an at-fault accident. Being a ”no fault” state this coverage is only important because it will cover your passenger.

Arkansas Motorcycle Coverage

Rates & Policies Online

Enter Zip Code

What is a Motorcycle in Arkansas?

What makes a motorcycle seems like common sense to most of us, but every state clearly defines one for law enforcement and insurance purposes. In Arkansas, a motorcycle is…

”Any motor vehicle with a seat or saddle, no more than three wheels, and has an engine displacement larger than 50cc.”

Two or three-wheel vehicles that fall below these requirements are considered to be a motorized bicycle. Farm equipment is exempt from this definition as well.

Required Equipment to be Street Legal

Some areas of Arkansas seem pretty wide open, so riders may not think about whether there bike is strictly street legal or not. In order to be street legal in Arkansas, you and your bike must have certain equipment. That equipment includes:

  • Eye protection: required regardless of the presence of a windscreen.
  • Handlebar height: no restrictions on height or placement.
  • Helmet: required for operators and passengers under the age of 21 according to A.C.A 27-10-104.
  • Mirrors: only one is required.
  • Turn Signals: not required.
  • Passenger Seat/Footrest: both are required if you are carrying a passenger.
  • Headlight: daytime use of headlight is required, with a modulating headlight permitted.
  • Muffler: required, but there are no acoustical requirements.
  • Safety Inspection: random…can be a roadside inspection at roaming checkpoints or during a traffic stop for another offense.