Motorcycle Insurance in Selz, ND - Compare Quotes & Save
Riding through the open roads of ND-3, US-2, and the rural landscapes around Selz demands coverage for long distances and varying weather conditions. 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
Current ND minimums are $25,000/$50,000 bodily injury and $25,000 property damage. We’ll quote higher limits that better fit Selz’s rural exposure and potential for accidents on open roads.
No PIP on Motorcycles
Standard ND auto PIP does not apply to motorcycles. Add Medical Payments (MedPay) to help with medical expenses regardless of fault.
Helmet & Eye Protection
ND requires helmets for riders under 18. All riders must wear eye protection, such as goggles or a face shield, unless the motorcycle has a windshield that meets specifications.
Inspection & Lane Splitting
ND does not require routine motorcycle inspections, but your bike must be roadworthy. Lane splitting is not permitted-follow general traffic laws to avoid citations.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Selz Riding
Liability (BI/PD)
- Start at $25k/$50k or higher for rural risks
- Property Damage: $25k-$50k common in open areas
UM/UIM
- Match to your BI limits to protect you from underinsured drivers
- Stacking options vary by carrier
MedPay
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Theft, weather, animal strikes, 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 bags, lights, and other modifications
Roadside & Trip Interruption
- Towing, jumpstarts, flats-peace of mind on ND-3 and US-2
- Hotel/meals after a covered breakdown or claim (carrier-specific)
Safety pays: Rider training courses can lead to discounts and reduce accident risks in rural settings.
Selz Riding Realities (and How We Insure Around Them)
- Rural roads & wildlife: Open highways like ND-3 mean longer visibility but risks from deer and other animals-favor comprehensive coverage and higher limits.
- Weather extremes: From harsh winters to sudden storms, protect your bike with lower deductibles and roadside assistance.
- Low traffic but long distances: Ensure UM/UIM to cover potential encounters with underinsured drivers on remote roads.
Getting Your ND Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved Basic RiderCourse (BRC)
- Pass the course; bring completion card to DOT
- Add the M endorsement (often no road test needed)
Permit + Testing Path
- Get motorcycle examination permit (knowledge + vision)
- Practice under permit restrictions
- Take DOT road test; add M endorsement
Bike Size & Restrictions
Testing on a small-displacement bike can trigger restrictions. Completing an approved course typically removes this-ask us if you’re unsure.
What Our Customers Are Saying
What Selz Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $25k/$50k/$25k or higher | For rural risks and potential multi-vehicle claims |
| UM/UIM | Match BI | Protects you from low-limit drivers |
| MedPay | $5k-$25k | No PIP on motorcycles in ND |
| Comp/Collision | $250-$1,000 deductibles | Adjust for weather-related risks |
| Accessories | $3k-$10k+ | Document for long-distance riding |
| Roadside | Included or add-on | Essential for remote areas |
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.
Get Your Motorcycle Insurance Quote in Selz
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Selz, ND
Is lane splitting legal in North Dakota?
No, North Dakota does not permit lane splitting. Riders should adhere to traffic laws to avoid penalties.
Do motorcycles get PIP benefits in ND?
No. ND’s PIP benefits do not apply to motorcycles. Add MedPay and strong UM/UIM limits for protection.
What are the current ND minimum insurance limits?
For policies now, at least 25/50/25. We’ll quote higher limits for better rural protection.
Do I need a helmet and eye protection?
Helmets are required for riders under 18; eye protection is mandatory for all riders.
Do motorcycles require inspections?
No routine inspections are required, but your bike must be safe and roadworthy.
Will safety features lower my premium?
Many carriers offer discounts for safety courses and features like ABS, which can reduce risks.
