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

With motorcycle insurance, you can protect your bike from covered incidents. By having personal injury coverage, your injuries are covered in case you're involved in an accident while riding your motorcycle. MoneyGeek looked at the average and cheapest motorcycle insurance cost in North Dakota for various coverage levels. We also rated the best motorcycle insurance companies in North Dakota based on affordability, customer service and financial stability. This information will be helpful when you are looking at motorcycle insurance companies in North Dakota so you can find one that best fits your needs.

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The Cheapest Motorcycle Insurance in North Dakota

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.

Cheapest Liability-Only Motorcycle Insurance Quotes 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.

Average Annual Premium for Liability Coverage

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  • Company
    Annual Premium
  • 1.
    Progressive
    $75
  • 2.
    Markel
    $87
  • 3.
    Harley-Davidson
    $94
  • 4.
    Dairyland
    $97
  • 5.
    Nationwide
    $100

Cheapest Full Coverage Motorcycle Insurance Quotes in North Dakota

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.

Average Annual Premium for Comprehensive and Collision

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  • Company
    Annual Premium
  • 1.
    Harley-Davidson
    $134
  • 2.
    Dairyland
    $141
  • 3.
    Progressive
    $156
  • 4.
    GEICO
    $243
  • 5.
    Markel
    $283
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What Is the Average Motorcycle Insurance Cost in North Dakota?

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.

Car Insurance Costs by Coverage Type

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  • Policy Type
    Average 12-Month Cost in North Dakota
    Average 12-Month National Cost
    Variance
  • Full Coverage
    $222
    $364
    -$141
  • Liability Only
    $102
    $141
    -$39
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The Best Motorcycle Insurance Companies in North Dakota

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.


1
Harley-Davidson
Score:96

4.8/5

Affordability

5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Pros

  • Rewards experienced riders and prompt payers
  • Rated high for product and service offerings
  • Most affordable option for full coverage

Cons

  • Doesn’t offer a mobile app
  • Not many multi-policy discounts
  • Accident forgiveness subject to qualifying criteria
More About Harley-Davidson

The MoneyGeek score of 96.29 ranked Harley-Davidson as the best motorcycle insurance company in North Dakota. While a full coverage policy from the company costs an average of $134 for North Dakota riders, a liability-only policy costs less at an average of $94 yearly. Having a motorcycle insurance policy with Harley-Davidson makes you eligible for impressive discounts and coverages. For example, the company provides optional equipment coverage, which covers parts that were used as part of the bike modification process. This ensures that custom parts and equipment will be covered. The company also offers exclusive discounts to both new and seasoned riders. Furthermore, if you were a responsible rider the previous year with no claims or accidents, the company will discount your rates during your next renewal.

2
Progressive
Score:96

4.9/5

Affordability

4.7/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Pros

  • Strong affordability rating by MoneyGeek
  • Impressive discounts
  • Great choice of product offerings and services

Cons

  • Restrictions for Large Accident Forgiveness
  • Discounts are different for each state
  • Some policies come with restrictions
More About Progressive

Progressive ranked as the second-best motorcycle insurance company in North Dakota, with a MoneyGeek score of 95.93 out of 100 and high scores in several categories. A liability-only motorcycle insurance policy from Progressive costs an average of $75 per year for a North Dakota rider. On the other hand, a full coverage policy costs an average of $156 per year. Besides the standard coverages for motorcycle insurance, Progressive offers a number of great add-on coverages. The accident forgiveness offered by Progressive is the highlight. If you are involved in a small accident, your insurance rate won't be raised during renewal, as long as the claim is $500 or lesser. For larger accidents, Progressive won't increase the rates as long as you have been a customer with them for at least four years and stayed accident-free for at least the past three years. You may be eligible for a disappearing deductible, in which the insurer reduces the deductible by 25% for each claim-free insurance year.

3
Dairyland
Score:94

4.7/5

Affordability

4.7/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Pros

  • Covers dirt bikes and mopeds
  • Offers a mobile app
  • 24/7 claims support

Cons

  • No option for making claims online
  • Limited bundling opportunities
  • Not the cheapest option for liability-only policies
More About Dairyland

With a score of 93.54, Dairyland was rated as the third-best motorcycle insurance company in North Dakota. You have to pay an average of $97 a year to buy liability-only motorcycle insurance coverage through Dairyland. A full coverage policy costs an average of $141 per year. Unlike most other insurance companies, Dairyland caters to all motorcycle types, including dirt bikes, and does not exclude bikes based on the model or manufacturer. When you bundle several motorcycles with the same insurance, you get a discount. If you own the home where your bike is parked, Dairyland may consider you for a multi-policy discount. Dairyland's trip interruption motorcycle coverage will be a relief for those venturing on a long-distance trip beyond 100 miles. If your bike breaks down or gets involved in an accident, the company pays for the expenses, such as food, lodging, towing and more.

How to Get a Motorcycle Insurance Quote 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)
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How Much Motorcycle Insurance Coverage Do You Need in North Dakota?

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)

How Much Insurance Coverage Is Required in North Dakota?

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.

Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in North Dakota?

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.

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MONEYGEEK EXPERT TIP

In North Dakota, the cost of a substantial increase in motorcycle insurance coverage is minimal. As a result, MoneyGeek suggests a full coverage policy of at least 50/100/25 and preferably 100/300/100, for most riders. Uninsured motorist coverage (UM) and personal injury protection (PIP) are also required in North Dakota. We suggest that you match your insurance policy with the UM coverage and obtain the minimum necessary PIP coverage or more if you can afford it.

Frequently Asked Questions About Motorcycle Insurance in North Dakota

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

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Methodology

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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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