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.

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
• 6.
  GEICO
  $161

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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
• 6.
  Nationwide
  $377

Show more

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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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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.

Expand All Rankings +

1

Harley-Davidson

Score:96

-

4.8/5

Affordability

5/5

User Satisfaction

4.5/5

Financial Stability

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

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

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.

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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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.

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.

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

Compare Motorcycle Insurance Rates

Ensure you're getting the best rate for your motorcycle insurance. Compare quotes from the top insurance companies.

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About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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