Arkansas Motorcycle Insurance Coverage

Motorcycle Insurance

Motorcycle Insurance

Do you own a motorcycle and want to take it out on the open roads of Arkansas? Then you will need to make sure that you follow the insurance laws. At Texarkana Insurance Agency, we can help you with that.

According to the Arkansas Office of Motor Vehicles (OMV), a motorcycle insurance is required. First, it is important to determine if your two-wheeled vehicle qualifies as a motorcycle in Arkansas.

A vehicle is defined as being a motorcycle if it has:

  • A seat or saddle.
  • Three wheels or less.
  • An engine displacement of more than 250cc.

If your vehicle meets these specifications then it is a motorcycle and needs to be insured.

Arkansas Motorcycle Insurance Requirements

Like many states, Arkansas requires those operating a motorcycle to have insurance that meets their minimum liability insurance requirements. That means that if your motorcycle causes damage in an accident -- either to a person or their property -- you will be able to cover the financial cost.

Arkansas is a fault-based state. This means that if you are found to be at fault in an accident and you carry no insurance coverage or inadequate coverage, you will be charged with a Class A misdemeanor. That involves fines, court costs, and possible jail time.

To avoid all of that, it is important that you have the right coverage. Arkansas requires motorcycle operators to carry a minimum of:

  • $25,000 per person for bodily injury
  • $50,000 per accident
  • $25,000 to cover property damage.

Even if you never have an accident or traffic infraction, the Arkansas OMV will know if your insurance has lapsed and will suspend your registration. As with automotive insurance, Arkansas requires all licensed insurance companies to report the status of every policy that is purchased through them. After three months of having a policy lapse, the OMV will send a non-compliance notice.

Stop by Texarkana Insurance Agency to discuss buying motorcycle insurance today

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