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North Dakota motorcycle insurance

Illustration of a scene from Theodore Roosevelt National Park in North DakotaIllustration of a scene from Theodore Roosevelt National Park in North Dakota


Before you head out to explore North Dakota’s wide open spaces by motorcycle, be sure you secure a motorcycle insurance policy and review the state’s riding laws.

What’s required of all motorcycle riders in North Dakota?

To operate a motorcycle in North Dakota, you must be at least 14 years old and carry a valid motorcycle license or permit. Whether you’re a new or experienced rider, it’s important to know the rules of the road. Here are a few of the key laws for motorcycle riding in North Dakota: 

  • Rear view mirror: Your motorcycle must have at least one rear view mirror.

  • Mufflers: Your motorcycle is required to have a muffler that adheres to your local jurisdiction’s motorcycle noise restrictions.

  • Passengers: To legally carry passengers, your motorcycle must be equipped with a passenger seat and footrests.

  • Lane sharing: A maximum of two motorcycles are permitted to share the same lane.

Riders under the age of 18—and those who carry only a permit—need to follow additional restrictions, including mandatory motorcycle helmet usage.

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What are the motorcycle insurance requirements in North Dakota?

Motorcycle insurance in North Dakota is a requirement, and you must show proof of insurance before registering your motorcycle. Here are the minimum insurance coverages you need on your policy to legally ride in North Dakota:

  • $25,000 for bodily injury liability for one person

  • $50,000 for bodily injury liability per accident

  • $25,000 for property damage liability per accident

Uninsured motorist coverage (UM)/underinsured motorist (UIM) bodily injury coverage

If an uninsured or underinsured motorist hits you, this coverage can help you pay for your bodily injury costs. Unfortunately, roughly 12 percent of motorists nationwide—roughly one in eight—drive without auto insurance, and even more don’t have enough coverage to compensate you for covered expenses following an accident. Here are the minimum UM/UIM coverage limits in North Dakota: 

  • $25,000 per person

  • $50,000 per accident

Remember, your expenses following an accident could easily exceed these limits, in which case you may be responsible for paying for the difference. Selecting higher motorcycle insurance limits can help reduce the amount you need to pay out of pocket.

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Does your policy still make sense for you?

Regularly reviewing your motorcycle insurance can help you save.

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Are optional motorcycle insurance coverages available in North Dakota?

Yes—you can add the following optional coverages to your motorcycle insurance policy:

Comprehensive coverage

If your motorcycle needs repairs after damage caused by something other than a collision—such as theft, vandalism, fire, or hail—comprehensive motorcycle insurance can help cover the expenses.

Medical payments

Unfortunately, it doesn’t seem like hospital bills are getting any cheaper. To help both you and your passengers with medical expenses following a covered accident, add medical payments coverage to your policy.

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Protect your bike

Whether on the road or in storage, keep your bike safe with these 10 motorcycle theft prevention tips.

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3 steps to get a free motorcycle insurance quote

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Provide information about yourself, your bike, and your riding history.
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Input details on other people who ride your motorcycle.
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Select the coverages you want and see what discounts you could qualify for.

North Dakota motorcycle insurance discounts

We offer more than a dozen money-saving motorcycle insurance discounts to North Dakota riders:

  • Advance quote

  • Anti-theft

  • Claim-free renewal

  • Experienced rider

  • Garaging

  • Harley Owners Group (H.O.G.) member

  • Homeowner

  • Loyalty

  • Motorcycle endorsement

  • Multi-line

  • Multi-vehicle

  • Operator safety course

  • Ownership

  • Paid in full

  • Prompt payer

  • Rider group

  • Transfer

Sites to see in North Dakota

There’s no better way to see North Dakota’s 70,000 square miles than on your bike. After all, where there’s open space, there are open roads. If you’re a North Dakota motorcycle rider, here are a few spots to add to your road trip itinerary:

Fort Abraham Lincoln State Park

Fort Abraham Lincoln State Park—North Dakota’s oldest state park—offers visitors a glimpse into the lives of various groups who’ve called the area home, from the Mandan Native American tribe to U.S. frontier soldiers. The park is located just south of Bismarck, right on the Missouri River.

Lake Sakakawea State Park

Lake Sakakawea is an enormous man-made reservoir—the third-largest by area in the U.S. The lake is known for its amazing smallmouth bass and channel catfish fishing, and the surrounding park offers hiking trails, cabin and tent camping, and other recreational opportunities.

Theodore Roosevelt National Park

Theodore Roosevelt National Park is named for our country’s 26th president, whose visits to North Dakota helped transform him into a champion of land conservation. The park features scenic drives that offer unparalleled opportunities to see bison, prairie dogs, and deer, as well as miles of hiking trails for when you want to stretch your legs after hours of riding.

Bundle your North Dakota ATV insurance so you can explore the state’s trails all year round.

Get a quote for North Dakota motorcycle insurance

Securing a motorcycle insurance policy not only helps you stay legal when you ride in North Dakota, it also helps protect you, your bike, and your fellow motorists. To get your free quote, enter your information below or give us a call at 866-324-7952.

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