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North Dakota Motorcycle Insurance Requirements

North Dakota Motorcycle Insurance Requirements

North Dakota is located in the Northern Midwest portion of the United States – it is bordered by Canada to the north. It is one of the least populated states in terms of density and overall number of residents in the United States. Although the population is significantly lower than average, various universities including Grand Forks and Fargo draw in students. The United States Air Force also has air bases at various sites throughout the state. This state has been nicknamed the “Peace Garden State,” because the International Peace Garden is located near the boundaries.

It is also commonly referred to as the “Roughrider State” as well as the “Flickertail State.” North Dakota has become a hub for oil extraction from the “Bakken formation” which is located in the western portion of the state. The amount of unemployment in this state is minimal due to the jobs involving extraction of natural resources. The economy is primarily influenced by agriculture, but petroleum, health care, technology, transportation, and food processing also are contributors. It is currently the fastest growing state in the U.S.

North Dakota Motorcycle Insurance Requirements

Do you want to drive a motorcycle in the state of North Dakota? If so, you will need to make sure that you know the state’s requirements before you take your motorcycle on public roads. Before you can ride, you will need to establish financial responsibility. All drivers are required to demonstrate financial responsibility so that if they are ever involved in an accident, they will have enough finances to pay for any sustained damages and/or injuries that they caused.

How to Establish Financial Responsibility in North Dakota

In other states, there are a variety of ways in which financial responsibility can be established. In North Dakota, you only have one option – getting liability insurance. Getting a liability policy is the most common way to show that you are responsible and legally prepared to drive.

  • Liability Insurance: You can purchase liability coverage from any state-licensed insurance carrier. They will help you make sure that your policy satisfies the state’s minimum requirements.

In order to get the best possible deal on your motorcycle insurance policy, enter your Zip Code into the form at the top of the page (or below). A list of the leading providers will be generated and you will be able to easily compare free quotes. This will help you decide which provider offers the best overall deal.

Motorcycles / Two-Wheeled Vehicles Defined

It is smart to understand the exact classification of your 2-wheeled vehicle. Many people get motorcycles, mopeds, and scooters confused. Although these are all vehicles that are driven on two wheels, each is distinctly classified. If you have any questions or are unsure about your vehicle’s classification, you can contact the North Dakota Department of Transportation (DOT) at the following number: (701) 328-2725.

Motorcycle: Any motor vehicle with a seat or saddle for use of the driver that rides on not more than 3 wheels in contact with the ground.

Moped (Motorized Bicycle): Any bike (with foot pedals) that rides on 2 or 3 wheels and has a motor attached with an automatic drive system. These must not exceed a top speed of 30 mph on a flat surface. These must be registered and titled with the North Dakota DOT. They must also be insured.

Scooter: A vehicle similar to a moped without foot pedals that has either a gas or electric powered motor. If your scooter does NOT meet criteria to be considered an “off highway vehicle,” then insurance and registration is not required.

Note: An “off highway vehicle” is any vehicle that can be legally driven on public roads.

North Dakota Minimum Insurance Requirements for Motorcycles

Below are the minimum liability and uninsured motorist requirements for all riders in the state of North Dakota. Insurance providers will work with you to make sure that your policy fulfills the required amounts.

Liability Insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $25,000 property damage per accident

Uninsured Motorist Protection:

  • $25,000 per person

  • $50,000 per accident

As you can see, not only is a “25/50/25” liability policy required, but you also need to make sure you get uninsured motorist protection. Uninsured motorist protection is used when you are hit by a driver that lacks sufficient insurance to pay for the damages that they caused. When looking for a policy, keep the above amounts in mind. Realize that they are just the “bare minimum” amounts for each aspect of coverage and may not provide enough protection in a serious accident.

North Dakota Motorcycle Laws: Safety & Licensing Requirements

Below are the regulations that you must follow if you plan on driving in this state. It is important to know whether you need to wear a helmet, use eye protection, and the licensing that is required to operate your motorcycle.

  • Helmets: All drivers that are under 18 years of age are required to wear helmets. All passengers are required to wear a helmet (regardless of age) if the driver is under the age of 18. Helmets must be in compliance with the FMVSS 218 standard.
  • Eye Protection: Although you are not required to wear protective eye-wear, it is recommended.
  • Headlights: You are not required to use your headlights during the daytime in North Dakota, but it is recommended for enhanced visibility.
  • Licensing: All individuals must obtain a Class M driver’s license to legally operate a motorcycle. In order to obtain an official motorcycle license, you must pass both a written examination and a road (skills) test.

Proof of Insurance in North Dakota

All drivers are required to carry proof of insurance while driving. This proof is to be shown in the event of an accident and/or if you are pulled over by law enforcement. If you are unable to show proof of coverage, you could face some serious legal consequences.

  • Insurance Card: In order to prove that you have sufficient insurance coverage, you must always carry your insurance card while driving. This identification card contains policy information that can be used in the event of an accident.

Penalties for Lack of Insurance in North Dakota

If you lack insurance or think you can get away with driving without insurance, the law will eventually catch up with you. Various penalties for riding without motorcycle insurance in this state include: fines, suspension of driver’s license, and possibly an impounded motorcycle.

  • Fines: A police officer will issue you a fine for driving without insurance. Not only will you need to pay the fine, you will need to get insurance before riding again.
  • Impounded Motorcycle: Your motorcycle could be taken to an impound lot if you are caught without appropriate levels of insurance. It will sit in this lot until your fines are paid and you can show proof of insurance.
  • License Suspension: You will end up getting your driver’s license suspended for a period of time. Following the suspension, you must have proof of insurance before you will be allowed to drive again.

Note: All of these penalties can be simply avoided by purchasing proper amounts of insurance and carrying your insurance card with you while driving.

North Dakota Insurance Companies

There are many different insurers throughout the state of North Dakota that are competing for your business. In order to find the best deal on motorcycle insurance, it is recommended to conduct a comparison online. You can read company reviews on this website to determine which companies have a good track record. Also, make sure you enter your Zip Code in the search box below (or at the top of the page) to get provider listings for your specific location.

After you have seen the listing, take some time to collect free quotes from each company. The quotes will help you better understand how much your coverage will cost with each provider. Once you have taken a look at all of the quotes, you can compare the amount you are expected to pay with the total coverage that you will get. Calculate the amount of coverage you will be getting for your money and choose the insurer that is giving you the best value for your dollar. When you finally have insurance, you will be free to cruise through North Dakota!

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