Motorcycle Insurance for Arkansas
Arkansas motorcycle insurance for riders who know the roads.
From the hairpins of the Pig Trail on Highway 23 to the Scenic 7 Byway through the Ozarks, Roamly works with carriers who understand how Arkansans actually ride.
Arkansas at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/25 ($25k bodily injury per person, $50k per accident, $25k property damage). Uninsured motorist coverage is included unless you reject it in writing, and insurers generally must offer underinsured motorist coverage, which you can also reject in writing. |
Helmet law | Required for operators and passengers under 21. Every rider and passenger, at any age, needs protective glasses, goggles, or a face shield — the statute has no windshield exception. |
Lane splitting | Not legal. Arkansas has no law allowing it, the general rule requires staying within a single lane, and the last bill to allow it died in 2023. |
Registration | No safety inspection and no emissions testing. As of September 2026, registration for a motorcycle 250cc or larger is $7 a year plus a $2.50 decal fee. |
Requirements and regulations may change. Verify with the Arkansas Insurance Department and the Arkansas Department of Finance and Administration for the most current information.
What you need to know about Motorcycle Insurance in Arkansas
Arkansas leaves helmets up to riders 21 and older, requires eye protection for everyone on the bike, and expects an accident report after many crashes no matter who caused them. Here's what actually shapes your policy.
Arkansas's 25/50/25 Minimum
The state requires 25k/50k bodily injury and $25k property damage. Uninsured motorist coverage comes with your policy unless you reject it in writing, and insurers generally must offer underinsured motorist coverage, which you can also reject in writing. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Fat Bob with the stage-one kit and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders come from all over the region to run the Pig Trail and the Ozark byways. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
If the Arkansas Office of Driver Services requires an SR-22 after a suspension, your insurer files it to prove you carry at least the minimum coverage, and it has to stay in place for as long as the state requires. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like deep in the Ozark National Forest on the Pig Trail. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — and in Arkansas, eye protection is required for every rider and passenger. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
The Pig Trail, Highway 7, and the Talimena Scenic Drive draw riders from out of state, and a bike can do more than sit in the garage between your own rides. Listing yours on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Arkansas Actually Requires
Arkansas mandates 25/50/25 liability coverage for motorcycles, the same as for cars. That's $25k per person and $50k per accident for bodily injury, plus $25k for property damage. Uninsured motorist coverage is part of your policy unless you reject it in writing, and insurers generally must offer underinsured motorist coverage, which you can also reject in writing. Arkansas is an at-fault state, and medical coverage options on a motorcycle policy vary by insurer, so ask what's available. Riders under 21 need a helmet, and everyone on the bike needs eye protection. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Arkansas law references current as of September 2026 — confirm current requirements with the Arkansas Insurance Department and the Arkansas Department of Finance and Administration.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Arkansas requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured motorist coverage is included unless you reject it in writing. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Arkansas Insurance Department.
Only if you're under 21. Operators and passengers under 21 need a helmet that meets the state's standards. Eye protection is different: every rider and passenger, at any age, needs protective glasses, goggles, or a transparent face shield, and the law doesn't make an exception for a windshield.
It depends on your bike, riding history, where you live, and the coverage you pick. Keeping or rejecting uninsured and underinsured motorist coverage changes the price, and so does adding collision, comprehensive, or medical coverage. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability is what Arkansas requires — it pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or storm damage. If you're financing, your lender will likely require both.
An SR-22 is a certificate your insurer files with the Arkansas Department of Finance and Administration's Office of Driver Services to prove you carry at least the minimum coverage. It's typically required after serious violations like a DWI or driving uninsured, and it has to stay in place for as long as the state requires. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.
It can. Arkansas's credit law expressly covers motorcycle policies: insurers can't deny, cancel, or non-renew solely on credit, medical collections can't count against you, and you can ask to be re-rated on current credit once a year. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
Often, yes. Arkansas requires a Safety Responsibility SR-1 accident report within 30 days when a crash causes more than $1,000 of damage to any one person's property, or injures or kills anyone — no matter who was at fault. Having your insurance in order before that report goes in matters, and we can help you make sure it is.
Still have questions?
Call us at 877.725.1245
Arkansas Motorcycle Insurance Quotes in Minutes
Arkansas motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
© 2026 Roamly All rights reserved.