Motorcycle Insurance for North Dakota
North Dakota motorcycle insurance for riders who know the roads.
From the Enchanted Highway south of Gladstone to the Killdeer Mountain Four Bears Scenic Byway through the Badlands, Roamly works with carriers who understand how North Dakotans actually ride.
North Dakota at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/25 ($25k bodily injury per person, $50k per accident, $25k property damage), plus uninsured and underinsured motorist coverage of at least 25/50. Motorcycles are outside North Dakota's no-fault system, so PIP isn't required. |
Helmet law | Required for operators and riders under 18 — and if the operator must wear one, so must every passenger. North Dakota law doesn't require eye protection. |
Lane splitting | Illegal. North Dakota law bars riding between lanes of traffic or between rows of vehicles, and passing in the same lane. |
Registration | No safety inspection and no emissions testing. Every motorcycle registration expires March 31. As of September 2026, the fee is $15 a year plus a $10 motorcycle safety education fee. |
Requirements and regulations may change. Verify with the North Dakota Insurance Department and the North Dakota Department of Transportation for the most current information.
What you need to know about Motorcycle Insurance in North Dakota
North Dakota is a no-fault state for cars, but motorcycles sit outside that system. Uninsured and underinsured motorist coverage is required, and every bike's registration renews on the same day. Here's what actually shapes your policy.
North Dakota's 25/50/25 Minimum
The state requires 25k/50k bodily injury and $25k property damage, plus uninsured motorist coverage of at least 25k/50k and underinsured motorist coverage at the same limits. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Fat Boy with the new bars and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders come for the Badlands around Medora and the sculptures along the Enchanted Highway. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
After a DUI or driving under a long suspension, the North Dakota Department of Transportation requires an SR-22 before you can drive again — and if it's canceled, your privileges are suspended again. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like on the Killdeer Mountain Four Bears Scenic Byway, deep in the Badlands. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — even though North Dakota only requires a helmet under 18, prairie wind and weather are hard on gear. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
The Badlands, the Enchanted Highway, and Route 1804 along the Missouri River draw riders who want open roads, and a bike can do more than sit in the garage between your own rides. Listing yours on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What North Dakota Actually Requires
North Dakota mandates 25/50/25 liability coverage for motorcycles, plus uninsured and underinsured motorist coverage. That's $25k per person and $50k per accident for bodily injury and $25k for property damage, plus uninsured and underinsured motorist coverage of at least 25k/50k. Cars must carry $30k of no-fault PIP, but motorcycles aren't part of that system, so medical payments coverage is an optional add-on worth considering. Riders under 18 need a helmet, and so does any passenger of a rider who must wear one. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. North Dakota law references current as of September 2026 — confirm current requirements with the North Dakota Insurance Department and the North Dakota Department of Transportation.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
North Dakota requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident is also required. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the North Dakota Insurance Department.
Only if you're under 18 — or riding with someone who has to. Operators and riders under 18 need a helmet that meets federal DOT standards, and if the operator is required to wear one, every passenger must too, whatever their age. North Dakota law doesn't require eye protection.
It depends on your bike, riding history, where you live, and the coverage you pick. Your uninsured and underinsured motorist limits, and whether you add collision, comprehensive, or medical payments, will change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability plus uninsured and underinsured motorist coverage is what North Dakota requires — liability pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or hail. If you're financing, your lender will likely require both.
An SR-22 is a certificate your insurer files with the North Dakota Department of Transportation to prove you carry at least the minimum coverage. It's required after convictions like DUI, and after a violation for riding without liability insurance. State law lets it be canceled after one year without new convictions, but your situation may differ, so confirm the period with NDDOT. If the SR-22 is canceled early, your driving privileges are suspended again. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.
It can. North Dakota's credit law expressly covers motorcycle policies: insurers can't deny, cancel, or non-renew solely on credit, and collection accounts identified as medical on your credit report can't be counted against you. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
No. North Dakota is a no-fault state for cars, but its no-fault law only covers vehicles with more than three wheels, so motorcycles aren't included — and an injured rider doesn't count as a pedestrian under a car's no-fault coverage either. That leaves medical payments coverage, your health insurance, uninsured and underinsured motorist coverage, or a claim against the at-fault driver. We can help you compare options.
Still have questions?
Call us at 877.725.1245
North Dakota Motorcycle Insurance Quotes
North Dakota motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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