North Dakota · Motorcycle Insurance
North Dakota Motorcycle Insurance
Liability, collision, comprehensive, and accessory coverage tailored for two-wheeled riders. Typical North Dakota premium is approximately $588/year.
Avg Premium
$588/yr
Risk Score
33/100
Consumer Protection
66/100
No-Fault
Yes
Coverage requirements in North Dakota
North Dakota requires minimum liability limits of 25/50/25 under its no-fault system. Most insurance experts recommend higher limits (100/300/100 or 250/500/250) to protect personal assets.
Coverage types
- Liability — Injury or property damage you cause to others.
- Collision — Damage to your bike from a crash.
- Comprehensive — Theft, vandalism, weather.
- Accessory Coverage — Custom parts, helmets, riding gear.
Top North Dakota savings opportunities
- Motorcycle safety course (MSF)
- Lay-up policies in winter
- Bundle with auto
Common exclusions
- Track use
- Stunts
- Commercial delivery