Motorcycle Insurance in North Dakota: The Cheapest Quotes and Best Companies

In most cases, the cheapest motorcycle insurance may be the state-minimum requirement of liability-only coverage and might not be the best choice for a rider. Liability coverage in North Dakota doesn’t cover your motorcycle or your injuries if you cause an accident. As it only covers bodily injuries and damage to property or other people, liability-only coverage will cost you less. However, it’s best to choose a comprehensive and collision coverage policy that offers more protection and bigger coverage.

MoneyGeek used the sample profile of a low-risk rider with a good riding record and 50/100/25 liability-only policy to find the cheapest motorcycle insurance companies in North Dakota.

For a rider with a good record, the following motorcycle insurance companies in North Dakota were found to offer the lowest average rates for liability-only coverage:

• Progressive: $75 per year
• Markel: $87 per year

GEICO, on the other hand, offers the most expensive motorcycle insurance policy in the state. GEICO's average rate for a similar policy is $161, which makes Progressive 53.3% cheaper.

For extensive protection, it's best to choose a full coverage policy, which includes comprehensive and collision coverage. The policy covers damages caused by collisions and protects against vandalism, theft, natural disasters and fire. Additionally, if you're making payments on your motorcycle, a full coverage policy is preferable to a liability-only policy with reduced coverage.

After evaluating the profile of a good rider with 50/100/25 coverage and a $500 deductible for a full coverage policy, MoneyGeek rated the following two companies in North Dakota as the cheapest on average:

• Harley-Davidson: $134 per year
• Dairyland: $141 per year

The most expensive company for a full coverage policy, Nationwide, quoted an average annual cost of $377, making Harley-Davidson 64.3% cheaper.

Several factors impact motorcycle insurance rates in North Dakota, including coverage levels, motorcycle type, riding record, age and years of riding experience. MoneyGeek compared motorcycle insurance rates from different insurance companies to determine the average cost of motorcycle insurance in North Dakota for both full coverage and liability-only policies.

In North Dakota, a full coverage policy will cost you an average of $222 per year, or around $19 per month. This indicates that the cost is 39% or $141 less than the national annual average of $363.

If you choose a liability-only motorcycle insurance policy, it will cost around $102 a year or $9 per month. This rate is $39 less than the national annual average for liability-only insurance, which is $141. But, remember that a liability-only policy does not cover the motorcycle or any bodily injuries suffered in the accident.

Prices were calculated for North Dakota using a motorcycle insurance policy of $50,000/$100,000 bodily injury liability coverage and $25,000 property damage coverage. A full-coverage policy with PIP, uninsured and underinsured motorist minimum coverage and a $500 deductible was also considered.

MoneyGeek analyzed motorcycle insurance companies in North Dakota to find the best insurer offering affordable rates and quality service. MoneyGeek's unique scoring system rated the companies after considering the motorcycle insurance rates specific to North Dakota, product offerings and choices, customer service, affordability and financial stability. Harley-Davidson was ranked the best motorcycle insurance company in North Dakota.

You can get a motorcycle insurance quote in North Dakota by just providing the following information or more:

• ZIP code and address in North Dakota where the bike will be located
• Previous address if you moved in the past six months
• Your date of birth
• Vehicle make, model and manufacturing year
• Your riding record
• Insurance coverage elections (for more information on this, see below)

It is important to consider your state's minimum coverage requirements before purchasing a motorcycle insurance policy. North Dakota's motorcycle insurance laws and requirements require all motorcycle riders to purchase a policy that possesses no less than the following coverages:

• $25,000 per-person bodily injury liability
• $50,000 per-accident bodily injury liability
• $25,000 property damage liability
• Uninsured motorist coverage
• Underinsured motorist coverage
• Personal injury protection (PIP)

All motorcycles in North Dakota must have a minimum liability-only coverage of 25/50/25. This means that your motorcycle insurance policy will offer up to $50,000 in coverage for all those involved in an accident, with a $25,000 limit for each person and $25,000 in property damage coverage. These are the liability limits that the insurance provider will cover if you caused the accident.

Yes, in addition to bodily injury and property damage coverages, North Dakota's state law requires uninsured motorist, underinsured motorist and PIP coverage for all motor vehicles.

When shopping for motorcycle insurance in North Dakota, several factors come into play. We have given answers to some frequently asked questions.

MoneyGeek obtained motorcycle insurance quotes directly from insurance companies based on varying coverage amounts and driver profiles. This can assist riders in determining which insurer in North Dakota is the least expensive. Three criteria were used to assess the best motorcycle insurance companies in North Dakota, including the cost of policy in North Dakota (60% weighting), product offerings and service (30% weighting) and financial stability metrics from AM Best (10% weighting). North Dakota's most recent license laws and insurance coverage specifications were obtained from state DMVs to ensure accurate and up-to-date details.