Who Has the Cheapest Motorcycle Insurance in North Dakota?
How we chose the top companies
Cheapest motorcycle insurance companies in North Dakota
Harley-Davidson is the cheapest motorcycle insurer in North Dakota, at an average of $13 per month.
That's about a quarter less than the average price in North Dakota of $18 per month.
Cheapest insurance companies
Compare Motorcycle Quotes in North Dakota
Cheapest motorcycle insurance companies in North Dakota
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson | 3.5 out of 5 | $13 | |
| Dairyland | 2.0 out of 5 | $14 | |
| Progressive | 3.5 out of 5 | $14 | |
| Geico | 2.0 out of 5 | $20 | |
| Nationwide | 1.5 out of 5 | $27 | |
Best for most people: Progressive
Best for commuting: Harley-Davidson
Best for veterans: USAA
North Dakota motorcycle insurance cost by city
Grand Forks is the most expensive major city in North Dakota for motorcycle insurance, at $20 per month.
That's a fairly small jump from the statewide average of $18 per month. The cheapest major city for motorcycle insurance is Washburn, at $16 per month.
Insurance companies factor where you live into your motorcycle insurance rates. Certain areas have higher traffic, which increases the likelihood of accidents, or higher crime rates, which also increases the likelihood of theft.
Average motorcycle insurance cost in ND by city
City | Monthly cost | % from average |
|---|---|---|
| Ashley | $17 | -2% |
| Belcourt | $18 | 0% |
| Beulah | $18 | 0% |
| Bismarck | $18 | 2% |
| Bottineau | $18 | 0% |
North Dakota motorcycle insurance requirements
North Dakota requires all motorcyclists to carry insurance to protect themselves and other riders on the road. The legal minimum requirements are:
Coverage | Limits |
|---|---|
| Bodily injury liability | $25,000 per person, $50,000 per accident |
| Property damage liability | $25,000 |
| Uninsured and underinsured motorist coverage | $25,000 per person, $50,000 per accident |
It's almost always a good idea to get more than the minimum state requirements if possible. Collision and comprehensive coverage, while not legally required, protect your bike from on-road and off-road incidents, potentially saving you thousands of dollars out of pocket in repairs. And buying more than the minimum required amount of liability insurance doesn't cost much, either.
Methodology
ValuePenguin collected quotes across 30 of the largest cities in North Dakota from five top motorcycle insurance companies in the state. Quotes are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
- Bodily injury liability: $100,000 per person, $300,000 per accident
- Uninsured motorist coverage: $25,000 per person, $50,000 per accident
- Property damage liability: $50,000
- Collision: $500 deductible
- Comprehensive: $500 deductible
- All other coverages: Not included unless legally required
The ValuePenguin team has a combined total of more than 50 years of experience in the property and casualty insurance industry.
About the Author
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
