Motorcycle Insurance Minimum Requirements in Arkansas

Two-Wheeled Vehicles Defined

The Office of Motor Vehicles (OMV) is ready to help you determine whether your two-wheeled vehicle requires liability coverage before you can title and register it. Contact a representative at (501) 682-4692.

• Motorcycle―Your vehicle is a motorcycle if it has:

• No more than three wheels designed to touch the road while traveling

• A seat or saddle

• An engine displacement of at least 250 cc

• Motor-driven cycle―Your vehicle is a motor-driven cycle if it has:

• No more than three wheels designed to touch the road while traveling

• A seat or saddle

• An engine displacement of fewer than 250 cc

• Motorized bicycle―Your vehicle is a motorized bicycle if it has:

• An automatic transmission

• An engine displacement of fewer than 50 cc

Arkansas Insurance Requirements for Motorcycles

In order to title, register, and legally operate your motorcycle, you must purchase an insurance policy that meets the same liability coverage requirements you’d have to meet if you were insuring a regular four-wheeled, private passenger vehicle. Those requirements are:

• $25,000 per person for bodily injury

• $50,000 per accident

• $25,000 to cover property damage

Liability insurance offers financial protection should your motorcycle cause damages to another person or person’s property. For more comprehensive protection, be sure to research other kinds of coverage available with insurance policies.

How Coverage Affects Helmet Requirements

No amount of insurance excuses you from wearing a helmet if you’re younger than 21 and operating or riding a motorcycle, and not even age excuses you from wearing protective eye gear.

Electronic Reporting

The Insurance Verification Program requires your insurance carrier will report information about your liability coverage, and this information―which covers both new and existing policies―remains in the Arkansas Insurance Database.

Proof of Insurance and Financial Responsibility

Even though you’ve already shown it to the OMV and it’s on record with the Arkansas Insurance Database, situations might arise in which you’ll need to show proof of your liability coverage. Be prepared when you keep the insurance card your carrier issues you with you at all times.

Penalties for Failure to Maintain Financial Responsibility

The penalties for having no proof of insurance might vary depending on your specific situation; however, they generally include registration suspension and reinstatement fees.

You can contact the OMV at (501) 682-4692 for exact details, as well as to find out more information about liability insurance requirements for motorcycles, motor-driven cycles, and motorized bicycles.