Who Has The Cheapest Motorcycle Insurance Quotes In North Dakota?

North Dakota is home to the Theodore Roosevelt National Park and attracts many tourists. North Dakota’s open roads make it a great place for motorcycle riders much of the year but not everyone there pays the same to insure their bike. We gathered quotes for a sample policy (bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage) and rider to see who had the best rates. The analysis of quotes from five major carriers showed premiums from the most expensive carrier were 3.5x higher than the cheapest carrier. 

Cheapest Motorcycle Insurance In North Dakota

Our study included motorcycle insurance quotes from five major carriers that offer the policy in North Dakota: GEICO, Nationwide, Markel, Dairyland and Progressive. The average quotes for our sample policy and rider across 30 places from GEICO and Nationwide were both cheaper than the average cost of motorcycle insurance in North Dakota– $125 and $218, respectively. Markel’s average quote was $295, which was only 4% higher than the state average. The average quotes from Dairyland and Progressive were significantly higher than North Dakota’s overall average of $283. Average rates for those two carriers were $325 and $450. Progressive’s average quote for our sample rider and policy was more than 3.5x GEICO’s.

According to an analysis by ValuePenguin, the motorcycle insurance company with the best rates was GEICO, followed by Nationwide, Markel, Dairyland and Progressive.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Since the best motorcycle insurance companies will often combine low rates with other perks, it's best not to solely focus on rates when shopping for motorcycle insurance rates. We recommend thinking about the types of coverage that are important to you. For instance, someone who stores their motorcycle in the winter should consider opting for a company that allows you to drop certain coverages in the months when your motorcycle is in storage. Ultimately, this will allow you to select a company that offers policies that align well with your needs.

Best Motorcycle Insurance Rates In North Dakota: By City

The five largest cities in North Dakota had motorcycle insurance rates that were both above and below the state average. Fargo, the most populous city, had the highest motorcycle insurance rates of the five largest cities. Quotes there were 5.4% higher than the state average. In Bismarck and Grand Forks, quotes were both 2.6% higher than the state average. Minot and West Fargo both had average premiums that were 0.6% lower than the North Dakota average.

RankCityAverage Annual Rate% Difference vs State Average
1 Fargo $298 5.4%
2 Bismarck 290 2.6%
3 Grand Forks 290 2.6%
4 Minot 281 -0.6%
5 West Fargo 281 -0.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Fargo, ND

The most populous city in North Dakota is Fargo, which has more than 118,000 residents. The city accounts for more than 15% of the state’s population and is a major transportation hub for the region. It is serviced by Hector International Airport, Amtrak and major roadways. Motorcycle insurance rates in Fargo were among the most expensive in the state. Quotes there were 5.4% higher than the state average for our sample rider and policy.

Bismarck, ND

North Dakota's capital is near the center of the state and has more than 61,000 residents, making it the second most populous. Bismarck is on the east bank of the Missouri River, directly across from Mandan, a city it shares a metropolitan area with. It is a hub for retail and healthcare in the state and a good place to own a motorcycle. Quotes for our sample rider and policy were only 2.6% higher than the state average.

Grand Forks, ND

The third-largest city in North Dakota is Grand Forks, which has more than 52,000 residents. Grand Forks is home to the state’s oldest higher education institution, the University of North Dakota. The city is known for flooding but continues to grow. It’s home to a number of different industries, including healthcare and agriculture. Motorcycle insurance rates in Grand Forks were 2.6% higher than the state average.

Minot, ND

Known widely for the nearby U.S. Air Force base, Minot has more than 40,000 residents and was once called the “Magic City” for a remarkable growth in population. Minot State University and the military base employ many of the residents. Motorcycle insurance rates in Minot are among the best in the state. Quotes for our sample policy were a slight 0.6% lower than the state average.

West Fargo, ND

Adjacent to North Dakota’s largest city, West Fargo is one of the fastest growing cities in the state, with a population of more than 33,000. It has attracted people with diverse heritage and religious backgrounds in the past and remains a diverse area to this day. It’s also a great place to own a bike – riders can enjoy the amenities of Fargo and lower motorcycle insurance rates. Quotes for West Fargo were 0.6% lower than the North Dakota average.

Average Motorcycle Insurance Rates In North Dakota: By City

This study analyzed motorcycle insurance rates from five major carriers that sell policies in North Dakota. Across the 30 places where we gathered quotes, we found that premiums in the most expensive place were 6% higher than the cheapest.

In North Dakota, the average motorcycle insurance quote for ValuePenguin's sample rider and policy was $283.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 30 municipalities and census-designated places in the state of North Dakota. The quotes we gathered were from five major carriers: Progressive, Nationwide, GEICO, Markel and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
1 Ashley $281 -0.6%
28 Belcourt 298 5.4%
2 Beulah 281 -0.6%
25 Bismarck 290 2.6%
3 Bottineau 281 -0.6%
4 Carrington 281 -0.6%
5 Center 281 -0.6%
6 Crosby 281 -0.6%
7 Devils Lake 281 -0.6%
8 Dickinson 281 -0.6%
29 Fargo 298 5.4%
24 Grafton 289 2.1%
26 Grand Forks 290 2.6%
9 Hazen 281 -0.6%
10 Horace 281 -0.6%
11 Jamestown 281 -0.6%
12 Kenmare 281 -0.6%
13 Lisbon 281 -0.6%
27 Mandan 290 2.6%
14 Minot 281 -0.6%
15 New Town 281 -0.6%
North Dakota Average 283 0.0%
16 Parshall 281 -0.6%
17 Rugby 281 -0.6%
18 Underwood 281 -0.6%
19 Valley City 281 -0.6%
20 Wahpeton 281 -0.6%
21 Washburn 281 -0.6%
30 Watford City 298 5.4%
22 West Fargo 281 -0.6%
23 Williston 281 -0.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Comments and Questions