Motorcycle Insurance in North Dakota - Compare Quotes & Save
Riding North Dakota’s open highways, rural routes, and seasonal roads demands coverage built for long distances, variable weather, and wildlife encounters. We’ll set the right liability, UM/UIM, and MedPay, protect your bike with comprehensive & collision, and schedule accessories - all while unlocking real rider discounts.
North Dakota Requirements (What You Must Know)
Minimum Liability
North Dakota requires $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage. We’ll quote higher limits that better fit North Dakota’s highway and rural exposure.
No No-Fault Coverage
North Dakota is a fault state. There is no Personal Injury Protection (PIP) requirement for motorcycles. Consider adding Medical Payments (MedPay) to help cover medical expenses regardless of fault.
Helmet Law
North Dakota has a partial helmet law. Riders under age 18 must wear a DOT-approved helmet. Eye protection is required for all riders.
Registration & Equipment
All motorcycles must be titled and registered with the ND DOT. Headlights must be on at all times while riding. Lane splitting is not permitted in North Dakota.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for North Dakota Riding
Liability (BI/PD)
- Start at $100k/$300k or $250k/$500k BI for highway riding
- Property Damage: $50k-$100k common for rural and interstate claims
UM/UIM
- Match to your BI limits to protect you from underinsured drivers common on rural roads
- Stacking options vary by carrier
MedPay
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Weather, hail, deer strikes, theft, and crash damage
- Choose deductibles that fit your cash cushion
Custom Parts / Accessories
- Most policies include a small amount automatically (e.g., $1,000)
- Schedule added value for saddlebags, fairings, crash bars, lighting, and upgrades
Roadside & Trip Interruption
- Towing, jumpstarts, flats - peace of mind on ND highways and backroads
- Hotel/meals after a covered breakdown or claim (carrier-specific)
Safety pays: Completing an MSF Basic RiderCourse can qualify you for significant discounts while improving your skills on North Dakota’s varied roads.
North Dakota Riding Realities (and How We Insure Around Them)
- Long rural highways & open roads: High speeds and long distances increase severity of accidents - higher liability and UM/UIM limits are strongly recommended.
- Wildlife & weather: Deer, antelope, hail, and snow are frequent risks. Comprehensive coverage with lower deductibles helps protect against animal strikes and storm damage.
- Seasonal riding: Many riders store bikes in winter. Garaging discounts and proper storage documentation can lower premiums.
Getting Your North Dakota Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved Basic RiderCourse (BRC)
- Pass the course; bring completion card to DMV
- Add the M endorsement (often waives the riding test)
Permit + Testing Path
- Obtain a motorcycle instruction permit (written & vision test)
- Practice under permit restrictions
- Take the DMV road test; add M endorsement
Bike Size & Restrictions
Testing on a very small-displacement bike can trigger a restriction. Completing an approved course typically removes this - ask us if you’re unsure.
What Our Customers Are Saying
What North Dakota Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $100k/$300k/$50k or $250k/$500k/$100k | Higher limits for highway speeds and multi-vehicle crashes |
| UM/UIM | Match BI | Critical in rural areas with underinsured drivers |
| MedPay | $5k-$25k | Helps cover medical costs with no PIP in ND |
| Comp/Collision | $250-$1,000 deductibles | Lower deductibles recommended for wildlife and hail exposure |
| Accessories | $3k-$10k+ | Document with photos & receipts for custom gear |
| Roadside | Included or add-on | Towing and trip interruption valuable on remote ND roads |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers side-by-side, match UM/UIM to your BI, and schedule accessories so you’re fully covered for North Dakota roads.
Get Your Motorcycle Insurance Quote in North Dakota
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - North Dakota
Is lane splitting legal in North Dakota?
No. Lane splitting is not permitted in North Dakota. Riders may be cited under general traffic laws for unsafe lane changes or improper passing.
Does North Dakota require PIP on motorcycles?
No. North Dakota is a fault state and does not require Personal Injury Protection (PIP) coverage for motorcycles. MedPay is a popular optional coverage.
What are the current North Dakota minimum motorcycle insurance limits?
25/50/25 - $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage. Higher limits are strongly recommended for most riders.
Who must wear a helmet in North Dakota?
Riders and passengers under the age of 18 are required to wear a DOT-approved helmet. Eye protection is required for all motorcycle operators and passengers.
Do motorcycles require safety inspections in North Dakota?
North Dakota does not require annual safety inspections for motorcycles. However, your bike must be in safe operating condition and meet all equipment requirements.
Will motorcycle safety training lower my insurance premium?
Yes. Completing an approved Motorcycle Safety Foundation (MSF) course often qualifies riders for discounts with many North Dakota insurers.
