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.
Compare Motorcycle Quotes in North Dakota
Cheapest motorcycle insurance companies in North Dakota
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson | $13 | |
| Dairyland | $14 | |
| Progressive | $14 | |
| Geico | $20 | |
| Nationwide | $27 | |
Best for most people: Progressive
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Editor's rating
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Cost: $14/month
Overview
Pros/cons
Progressive has strong service and lots of coverage add-ons at an affordable price.
Progressive has the best overall blend of affordable rates, dependable service and useful coverage options for motorcyclists in North Dakota.
Motorcycle insurance at Progressive costs an average of $14 per month, about 20% less than the state average. The cheapest company, Harley-Davidson, is only $1 per month cheaper.
Progressive's coverage options are generous. The company offers a wide selection of optional coverages that help keep you and your bike safe, both on the road and off. These options include:
- Total loss coverage for new motorcycles: Riders who own a motorcycle that is less than 2 years old can opt for this coverage, which will pay the full replacement 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: Lowers deductible 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.
Progressive policies even include protection for the full replacement cost of parts at no additional cost — other insurers might only give you the part's depreciated value.
The only downside to Progressive is that it doesn't offer rental reimbursement coverage, which pays for a rental car if your bike is damaged in a crash. Riders who have another car won't need it, but people who depend on their bike for daily commuting should look at Harley-Davidson.
Best for commuting: Harley-Davidson
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Editor's rating
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Cost: $13/month
Overview
Pros/cons
HD insurance is great for people who depend on their bike to get around.
Harley-Davidson is a good choice if your motorcycle is the main way you travel day-to-day.
That's because it offers coverage that pays for alternate transportation if your motorcycle is damaged, called rental reimbursement coverage.
It's also the cheapest company in North Dakota, at $13 per month. But that's only $1 cheaper than Progressive.
Harley-Davidson lets you lower your monthly rate even further with many discounts for motorcycle insurance.
If you have a custom or high-end bike, Harley-Davidson has lots of extra coverage options to protect your ride. For example, you can add replacement cost and custom parts coverage to your policy. It also offers coverage for safety gear, trip interruption and guest passenger liability, among others.
Harley-Davidson doesn't have great customer service, though. It gets more customer complaints than an average insurer its size, according to the National Association of Insurance Commissioners (NAIC). That suggests you're more likely to run into claim delays or other issues at Harley-Davidson.
Harley-Davidson also doesn't offer home insurance. That means you're missing out on a possible bundle discount, as well as the convenience of managing multiple insurance policies with a single company.
Best for veterans: USAA
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Editor's rating
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Cost: $13/month
Overview
Pros/cons
USAA offers an extra discount on Progressive insurance to people connected to the military.
USAA doesn't sell its own motorcycle insurance. Instead, it works with Progressive to get USAA members a 5% discount on a Progressive motorcycle insurance policy.
That's good news, because Progressive's motorcycle insurance is already affordable, dependable and generous when it comes to coverage options.
However, you're only eligible to buy through USAA if you've served in the military, or a parent or spouse has had a USAA policy.
And because the policy is sold by Progressive, not USAA, you won't be able to bundle your home or renters insurance through 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.
