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Comprehensive Motorcycle Insurance with Sargent Insurance Agency

Tailored Coverage for Your Motorcycle in Little Rock, Arkansas
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Many years in business

100% customer satisfaction

6 Knowledgeable advisors

Multiple coverage options to choose from

Looking for Motorcycle Insurance?

When shopping for a motorcycle, you likely consider various factors such as the bike's style, fit, and power. You want a motorcycle that suits your needs and lifestyle.

The same careful consideration should apply when selecting motorcycle insurance. Just like researching a motorcycle's features, it's essential to understand the various insurance policies and coverage options. Factors to consider include cost, extent of coverage, and medical expenses.

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Bodily injury to others
Property damage to others
Guest Passenger liability
Insured’s Motorcycle damage
Theft Coverage

Bodily injury to others Coverage

Risk Factors

While driving your motorcycle, you may meet with an accident and can cause injury to other people involved in that accident.


Liability insurance covers bodily injury that you may cause to other people involved in an accident. It will also provide compensation in the event that you cause harm to another person.

Property damage to others Coverage

Risk Factors

While driving your motorcycle, you may meet with an accident and cause damage to someone’s personal property.


Liability insurance covers property damage that you may cause to other people involved in the accident. It will also provide compensation in the event that you cause damage to another person’s property.

Guest Passenger liability Coverage

Risk Factors

You may meet with an accident and cause your co-passenger to be injured.


You can get coverage from Guest Passenger Liability where your Motorcycle insurance provides protection in the event that a passenger is injured on your motorcycle.

Insured’s Motorcycle damage Coverage

Risk Factors

You met with an accident and your motorcycle is damaged. You are bound to pay for repair costs to get it back to normal.


Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages incurred.

Theft Coverage

Risk Factors

You forgot to lock your motorcycle and it got stolen. You need to pay the legal fees and suffer a huge loss.


Comprehensive coverage pays out to you if your motorcycle is stolen.

Sargent Insurance Agency Offers the Perfect Motorcycle Coverage for You

We provide comprehensive coverage tailored to your needs and lifestyle at Sargent Insurance Agency, located in Little Rock, Arkansas. We cover a large variety of motorcycles, including:

  • Street cycles
  • Harley Davidsons
  • Trike conversions
  • Cruisers 
  • Classic bikes
  • Touring bikes
  • Dirt bikes
  • ATVs

Motorcycle insurance works similarly to auto insurance, offering many of the same types of coverage. Here are some options available for your policy:

Full-Coverage Motorcycle Insurance
This comprehensive insurance covers the cost of repairing or replacing your bike if it's damaged or stolen and any damages you may cause in an accident. In addition to the state-mandated coverages, comprehensive and collision insurance are commonly included in full-coverage policies.

A full-coverage policy is ideal for protecting your bike, even though it may be more costly than other types of insurance.

State-Mandated Coverages for Motorcyclists

These can include:

  • Property damage
  • Personal injury protection
  • Bodily injury liability
  • Uninsured motorist coverage

Collision and Comprehensive Coverage
These first-party coverages pay for repairing or replacing your motorcycle after a covered loss. Collision coverage includes damage from accidents with other vehicles or objects, including hit-and-run incidents. Comprehensive coverage insures against theft and "acts of God" such as flooding, fires, hail, and falling objects.

Comprehensive coverage is especially valuable for seasonal riders. It protects your bike while in storage, so even if you use it occasionally, it remains covered against potential damages.

Bodily Injury and Property Damage Liability
This coverage will pay for any damage you cause to other drivers' vehicles and property in an accident. For example, if you collide with another car and incur $10,000 in medical expenses for the other driver, plus repair costs for their vehicle, liability insurance covers these costs.

These coverages are mandatory for riders in all states, including Illinois.

Uninsured or Underinsured Motorist Coverage
This policy offers protection in the event of incidents brought on by drivers who lack insurance or have inadequate insurance. There are two types: bodily injury and property damage, which function similarly to liability insurance.

In Illinois, uninsured motorist coverage is required. UM bodily injury coverage pays for medical bills if a driver who lacks insurance or has inadequate coverage injures you. UM property damage coverage pays for damages to your motorcycle caused by such drivers.

Personal Injury Protection (PIP)
PIP is first-party insurance that pays for your medical costs and lost income without regard to who is at blame in the event of an accident. PIP is required in some states and offers no-fault coverage, ensuring quicker payment of medical bills than liability insurance.

Coverage for Customized Parts
Standard comprehensive and collision policies may only cover factory-standard parts or have limited coverage for optional accessories. If you've added custom parts like chrome accessories, trailers, sidecars, or custom paint jobs, check with your insurer about coverage limits.

Factors Affecting the Cost of Motorcycle Insurance

The type or style of motorcycle you ride (e.g., sportbike or cruiser)
Your age, driving record, and location
Age of the motorcycle
Annual mileage
Where you store your bike

Get Your Motorcycle Insurance with Sargent Insurance Agency

Our experts at Sargent Insurance Agency will simplify the insurance process and ensure you get the best motorcycle coverage for your specific needs and lifestyle.

To get started on your quote, visit our office at 7107 West 12th St. Suite 103 Little Rock, AR 72204.

Already have Motorcycle Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
Monday ---------  9:00am - 5.00pm
Tuesday ---------  9:00am - 5.00pm
Wednesday ----  9:00am - 5.00pm
Thursday -------- 9:00am - 5.00pm
Friday ------------- 9:00am - 5.00pm
Saturday --------  closed
Sunday ----------- closed
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