Who Has the Cheapest Motorcycle Insurance in North Dakota?

Who Has the Cheapest Motorcycle Insurance in North Dakota?

Geico offers the cheapest motorcycle insurance in North Dakota, according to ValuePenguin's analysis of more than 100 quotes from across the state. Geico charges $222 per year on average for full coverage, making it 33% cheaper than the state average of $330 per year.

Compare Motorcycle Quotes in North Dakota

Currently insured?

We collected quotes from cities around the state to help North Dakotan riders select the best insurer for their unique needs. Read on to learn more about what these companies offer and under what circumstances you should choose them.

Best motorcycle insurance for most people: Progressive

Top-notch service and extensive add-on coverages make Progressive a great pick for most North Dakota riders.
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Of the four North Dakota insurers we analyzed, we liked Progressive best for most people. The company provides superior customer service. Out of all the insurers we looked at, it had the lowest Complaint Index score from the National Association of Insurance Commissioners (NAIC). It also boasts an impressive selection of add-on coverages.

These coverages include:

  • Total loss coverage for a new motorcycle. Riders who own a motorcycle that is less than two years old can opt for this coverage, which will pay the manufacturer's suggested retail price if their motorcycle is totaled.
  • Roadside assistance and trip interruption. Pays for the cost of towing and up to $500 in food, hotel and transportation costs if you're stranded away from home.
  • Carried contents. Pays for the cost of any lost, damaged or stolen personal belongings carried on your bike.
  • Disappearing deductible cost by 25% for every policy term you go without a claim.
  • **Enhanced injury protection. Pays $250 every week for two years if you are injured, and $25,000 to your beneficiaries if you are killed after an accident.

The only downside of Progressive is the above-average rates. Compared to the state average of $330, Progressive charges $61 more per year — $391 on average. However, it's possible for customers to reduce their rates with Progressive’s impressive list of available discounts. Discounts on Progressive’s motorcycle rates include:

  • Bundling your motorcycle insurance with another Progressive policy
  • Getting a quote at least one day before your policy is scheduled to start
  • Being a member of an association, such as the Harley Owners Group
  • Getting a motorcycle license or adding a motorcycle endorsement to your driver's license
  • Taking a safety course
  • Avoiding accidents or violations for three years
  • Switching from another company
  • Paying your policy in full up-front
  • Consistently paying your policy on time
  • Using auto-pay for your bills

Best for lowest rates: Geico

Geico stands out as the North Dakota motorcycle insurer with the lowest rates overall.
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If scoring the absolute cheapest rate is your top priority, we recommend Geico. At $222 per year on average, Geico's rates are about one-third cheaper than the state average of $330.

Geico also has a solid customer service reputation. Like Progressive and Nationwide, Geico had fewer complaints than would be expected, given its size, according to NAIC complaint data.

However, Geico offers a more limited menu of motorcycle insurance coverages than Progressive. For example, Geico does not offer carried contents coverage or trip interruption. If these added protections matter to you, go with Progressive instead.

Best for daily riders: Dairyland

Dairyland offers rental reimbursement coverage — a helpful add-on for riders who use their motorcycle for their daily commute.
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Dairyland is the only insurer we looked at in North Dakota that offers rental reimbursement coverage. This add-on is useful for those who use their motorcycle for their daily commute. If you get in an accident and your only mode of transportation is disabled, Dairyland can provide you with a substitute vehicle.

That said, Dairyland's pricing and customer service reputation leave much to be desired. The company received more than twice as many complaints as would be expected for its size, and charged rates that were 20% higher than the state average. It's a good fit for riders who need rental reimbursement, but for those who only ride recreationally, another insurer is likely a better fit.

Best-rated North Dakota motorcycle insurers

Progressive had the best customer service reputation of the North Dakota insurers we looked at, receiving an exceptionally low Complaint Index rating from the National Association of Insurance Commissioners. Its score of 0.39 means it received fewer than half the complaints that would be expected, given its size.

Insurer
NAIC Complaint Index
AM Best rating
Geico0.79A++
Dairyland2.69A+
Progressive0.39A+
Nationwide0.61A+

The National Association of Insurance Commissioners (NAIC) scores insurers based on the number of complaints they receive from motorcycle and auto insurance policyholders. A score of 1.0 means an insurer receives an average number of complaints for its size, while higher or lower scores indicate more or fewer complaints, respectively.

You’ll also want to know if your insurer will be able to provide reliable service when you get into an accident — and a great way of determining that is to take a look at its AM Best Financial Strength Ratings. All the North Dakota insurers we looked at received a score of A+ or A++, indicating that they have a "superior" ability to pay out claims.

Cheapest motorcycle insurance companies in North Dakota

The cheapest motorcycle insurer in North Dakota is Geico. Rates from Geico average at $222 per year, making them 33% cheaper than the state average of $330 per year. Nationwide had the second-most affordable rates, charging $311 per year.

A graph of the lowest motorcycle insurance rates in North Dakota

Compare Motorcycle Insurance Quotes in North Dakota

Currently insured?
Insurer
Average annual cost
Geico$222
Nationwide$311
Average$330
Progressive$391
Dairyland$397

North Dakota motorcycle insurance cost by city

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.

While rates were fairly consistent among the insurers and cities we looked at, a handful of cities paid slightly higher rates than others. These include Belcourt, where residents pay $338 per year on average, and Mandan, where residents pay $337 per year on average.

City
Annual rate
% from statewide average
Ashley$329-0.32%
Belcourt$3382.26%
Beulah$329-0.32%
Bismarck$3371.98%
Bottineau$329-0.32%
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North Dakota motorcycle insurance requirements

North Dakota mandates that all motorcyclists carry insurance to protect themselves and other riders on the road. The minimum requirements mandated by law are:

Coverage
Limits
Bodily injury liability$25,000 per person/$50,000 per accident
Property damage liability$25,000 per person
Uninsured/underinsured motorist coverage$25,000 per person/$50,000 per accident

ValuePenguin recommends getting more than the minimum state requirements if at all 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.

Methodology

We collected quotes from four leading motorcycle insurance companies in North Dakota: Geico, Nationwide, Progressive and Dairyland. The sample rider for this study is a 45-year-old man who protects his 2021 Harley-Davidson Street Glide with coverages that exceed the state minimums. These coverages are as follows:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000
  • Collision: Included/$500 deductible
  • Comprehensive: Included/$500 deductible
  • All other coverages: Not included unless legally required

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.