Unbiased Motorcycle Insurance Company Reviews

Comparing Motorcycle insurance quotes from top companies online is a great way to find the cheapest insurance rates. After all, why ride all around town when you can get Motorcycle insurance quotes online? The more quotes you get, the more chances you have to save and ride. Get started now!

Enter Your Zip Code
To Get Your Free Quote Now!

Arkansas Motorcycle Insurance Requirements

Arkansas Motorcycle Insurance Requirements

Arkansas is a state located in the southern region of the United States. It was formerly known as “the Land of Opportunity” and is now known as “the Natural State” due to the significant amounts of outdoor recreation and wildlife. The state is known for having the Ozark and Ouachita Mountains as well as dense forests in the south known as the Arkansas Timberlands. Arkansas has a diverse economy and residents with occupations primarily involved in: aircraft, cotton, poultry, rice, steel, tourism, and service industries. Various famous individuals including Bill Clinton, Sam Walton, and Johnny Cash grew up in this razorback state.

If you are an Arkansas resident and plan on driving a motorcycle, you need to know some basic information about the insurance requirements. Most individuals are well aware that they need to purchase sufficient insurance to operate their motorcycles, but a lot of people don’t know the specifics. Additionally people should be aware that in most cases it is recommended to purchase more than the bare minimum for coverage.

Arkansas Motorcycle Insurance Requirements

In order to legally operate your motorcycle in the state of Arkansas, you must have some proof of financial responsibility. This financial responsibility is required in order to register and title your bike as well as in order drive it on state roadways throughout Arkansas. This is pretty self-explanatory for most individuals that know how insurance works.

How to Establish Financial Responsibility in Arkansas

There is really only one way to demonstrate that you are financially responsible in the state of Arkansas: buy an insurance policy that meets the liability coverage requirements.

The reason you need to purchase insurance is so that if you ever get into an accident, you’ll have sufficient funds (from your insurer) to pay for any damages that you cause. If you sustain injuries from the accident, your motorcycle is damaged, you injure someone else, or damage someone else’s property – your insurance will have you protected up to the amount of coverage that you select.

Motorcycles / Two-Wheeled Vehicles Defined

If you are confused about whether you have a motorcycle that meets the definition below, you can contact a representative from the OMV (Office of Motor Vehicles) and they will provide you with further assistance.

  • Motorcycle: The definition of a motorcycle in the state of Arkansas is a vehicle that has: a seat or saddle with no more than 3 wheels designed to touch the road while driving and at least 250 cc engine displacement.
  • Motor-Driven Cycle: A vehicle with a seat or saddle that has no more than three wheels designed to touch the road while driving and fewer than 250 cc engine displacement.
  • Motorized Bicycle: A vehicle with an automatic transmission with less than 50 cc engine displacement.

To contact the Office of Motor Vehicles in the state of Arkansas for further help, call: (501)-682-4692. They will help you figure out whether you require liability coverage before you can successfully get it registered and take it for a spin.

Arkansas Motorcycle Insurance Minimum Requirements

As you already know, there is a specific minimum amount of liability insurance that you must buy in order to legally operate your motorcycle in Arkansas. These are the same requirements that you’d have to follow if you were planning on insuring a four wheeled vehicle as well.

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $25,000 property damage per accident

You may have seen the coverage abbreviated as a: 25/50/25 policy. Each number is a unit in thousands of dollars that shows the minimum amount required for you to legally ride your motorcycle in the state of Arkansas. Many people are not comfortable with getting just the bare minimum for coverage. If you would like more than just a basic 25/50/25 policy, you can work with an insurance provider to increase your coverage limits.

Helmet Requirements in AR

  • Drivers Under 21 – If you are under 21 years of age, you are ALWAYS required to have a helmet on while you’re on a motorcycle. It doesn’t matter if you are the driver or passenger, you need a helmet. You are also required to wear protective eyewear – so have some sort of shield or goggles prepared.

Regardless of the amount of insurance that you purchase, you are still always required to wear a helmet if you are under the age of 21. Wearing a helmet is smart to begin with and may even help you get a safety discount on your insurance policy.

Arkansas Insurance Verification Program

There is an insurance verification program that has been established to report your insurance information to the state. This information is kept in the Arkansas Insurance Database and is all electronic. It keeps tabs on both your insurance carrier as well as some more specifics regarding your policy.

Proof of Insurance

Although your insurance information is stored electronically in the Arkansas Insurance Database, you still need to keep proof of insurance with you at all times while operating your motorcycle. Most insurance companies will issue an insurance card that you can store somewhere in your bike or in your wallet. Should you ever get pulled over by a police officer, they may ask to see proof of insurance – as long as you have your insurance card with you, you won’t face any penalty.

Penalty for Lack of Insurance

  • Registration Suspension – You may get your registration suspended for failure to have insurance.
  • Reinstatement Fees – You will be required to pay fees if you need your registration reinstated.

In any state, if you are caught without insurance, you could face some sort of penalty. Usually penalties result in some sort of suspension of registration or license. Following suspension, you have to go through the OMV (Office of Motor Vehicles) to get properly reinstated. Before you get reinstated, they will make sure that you have adequate insurance. Should you get into an accident without insurance, you will need to fill out an SR-22 form.

Arkansas Motorcycle Insurance Companies

In order to find the top motorcycle insurers in the state of Arkansas, you need to do some comparison shopping. In order to make things easier for you, we’ve included a tool on this website that allows you to enter your Zip Code into the form below and click “Start!” Once you’ve typed in your specific location in AR, a list of companies will be generated.

From this list you can check out each of the top rated providers and decide who is offering the best overall deal. Be sure to compare the amount of coverage that you’ll receive in ratio to the amount that they expect you to pay for a policy. With a little bit of hard work, you’ll have a great policy for a reasonable price.

Leave a Comment

Your email address will not be published. Required fields are marked *

Choose a Rating