Motorcycle Insurance

Why Get Motorcycle Insurance in Arkansas
Motorcycle insurance is not a choice. Arkansas law requires that all motorcycle drivers carry adequate insurance coverage to legally drive within the state. Motorcycle insurance is designed to provide owners the coverage they need (financial protection) if they are ever involved in an accident or other covered situation. Basically, it protects a motorcycle and its owner in the event of a loss, theft or damages. Aside from the standard types of coverage usually found in motorcycle policies, such as bodily injury liability, property damage liability, medical payments, collision and comprehensive coverage, insurance companies also offer additional protection packages. Specialized motorcycle insurance can provide coverage options like accessory coverage, total loss replacement, uninsured/underinsured motorist coverage, motorcycle roadside assistance, rental vehicle coverage, transport trailer coverage, and trip interruption protection.

Operating a Motorcycle in Arkansas
A class M license is required to legally drive a motorcycle in the state of Arkansas. This type of license is categorized as having no restrictions meaning that it covers all classifications of motorcycles. To be eligible to apply for a class M license, you must be at least 16 years old. Individuals between 14 and 15 years of age can only apply for a restricted MD class license. This restricted license allows them to drive only motorcycles with 250 cc or less displacement. Passengers are also strictly prohibited with this type of license.

Motorcycle License Requirements

  • Valid Identification
  • Parental consent (if under 18 years old)
  • Instructional permit
  • Knowledge, Vision and Driving test

Minimum Insurance Requirements in Arkansas
In order to legally drive a motorcycle in the state of Arkansas, all motorcyclists are required to carry liability motorcycle insurance coverage. However, what makes Arkansas different from many other states is the fact that it does not consider automobile insurance and motorcycle insurance as separate policies. Therefore not all insurance carriers in Arkansas offer motorcycle insurance policies.

To meet the insurance requirements in Arkansas, you must purchase the minimum liability coverage which includes:

  • $25,000 for bodily injury of one person
  • $50,000 for bodily injury of all injured parties
  • $25,000 for property damage in one accident

Motorcycle operators must carry proof of insurance at all times when driving their vehicles. If you are stopped for any reason by a law enforcement officer and are unable to provide proof of insurance coverage, you may be hit with a hefty fine. If you are found guilty of driving without the proper insurance coverage, you could be sentenced to jail.

Arkansas Motorcycle-specific Laws:

  • Anyone under the age of 21 years must wear approved safety helmets.
  • Eye protection is required for both drivers and passengers.
  • Headlights and taillights must always be turned on.
  • Only one passenger is permitted per motorcycle.
  • Passenger handholds, seats and footrests are required when carrying a passenger.

While it is not a requirement for riders above 21 years of age to wear a motorcycle helmet under Arkansas law, it is still strongly encouraged. Protective headgear has been shown to reduce the risk of head injury and death due to motorcycle accidents. Arkansas motorcycle laws have been implemented to keep drivers and passengers safe. The failure of motorcyclists to follow these existing laws can result in severe fines, penalties, and even higher motorcycle insurance premium costs.

There are many types of coverage offered by insurance companies to ensure that both the rider and the motorcycle are protected fully. Before you put together your insurance policy, do some research about types of coverage and what influences your costs. With some advanced planning and thoughtful consideration of your personal and financial situation, you will then be able to get a comprehensive insurance policy which protects you and your assets.