North Dakota motorcycle insurance

Q: What's the best motorcycle insurance in North Dakota?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Grand Forks, Minot, or anywhere else in North Dakota, the best motorcycle insurance offers reliable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in North Dakota that doesn't skimp on coverage, delivering the valuable protection you need and the peace of mind you value.

North Dakota boasts more than 70,000 square miles of open roads and unique adventures for motorcycle riders. Progressive is committed to helping bikers on every ride through Roughrider Country with coverage that protects and discounts that save. Find out everything you need to know about motorcycle insurance in North Dakota.

4 min to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

What are the minimum requirements for motorcycle insurance in North Dakota?

North Dakota motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and property damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets. It's important to note that these coverages don't cover damage to your own bike.

North Dakota also mandates uninsured/underinsured motorist bodily injury coverage, which may pay for injuries to you and your passengers if you're struck by an at-fault motorist with insufficient liability coverage.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$25,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversInjuries caused by insufficiently covered motorist in an accident	Minimum amount$25,000 per person $50,000 per accident

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are both optional unless you're financing or leasing your motorcycle. In those cases, your lender may require comprehensive and collision coverage. If your bike is paid in full, you may consider comprehensive and collision coverages as a safeguard against physical damage to your motorcycle. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in North Dakota?

In 2023, the annual cost for a Progressive motorcycle insurance policy in North Dakota with liability coverage only was $140.57.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

From Fargo to Bismarck, bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in North Dakota?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Grand Forks, Minot, or anywhere else in North Dakota, the best motorcycle insurance offers reliable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in North Dakota that doesn't skimp on coverage, delivering the valuable protection you need and the peace of mind you value.

You can decrease the cost of motorcycle insurance in North Dakota with motorcycle insurance discounts, such as:

Multi-policy discount
Motorcycle license/endorsement discount
Harley-Davidson Owner Group (HOG) discount
Safety course discount
Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in North Dakota

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in North Dakota

All motorcycle operators and passengers under the age of 18 are required to wear a helmet while riding, per North Dakota motorcycle laws.
Lane splitting and filtering are not legal in North Dakota, but motorcycles are allowed to ride two abreast in a single lane.
If you're 18 years or older, to apply for a motorcycle license in North Dakota, you must have a driver's license or learner's permit or have completed the Rules of the Road knowledge test.