Motorcycle Insurance Cost in North Dakota
Motorcycle insurance in North Dakota costs about $610 a year ($51 a month), which is 22% below the US average. Most prices fall from $200 to $1,400.
Motorcycle Insurance Cost in North Dakota
| Low | Typical | High | |
|---|---|---|---|
| North Dakota | $200 | $610 | $1,400 |
| US average | $250 | $780 | $1,800 |
Premiums in North Dakota reflect local claim costs, repair prices, weather risk and state insurance rules. We rank North Dakota number 9 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 0.78 (1.00 is the US average).
What the price covers
The figures are for a rider with a clean record and a mid-size bike. Sport bikes, new riders and year-round coverage cost more; seasonal policies cost less.
Ways to pay less in North Dakota
- Completing a rider safety course often earns a discount.
- Seasonal or lay-up coverage costs less if you do not ride in winter.
- Engine size and bike type have a big effect on price.
Frequently asked questions
How much is motorcycle insurance?
In North Dakota the typical price is about $610 a year ($51 a month), with a range of $200 to $1,400.
Is motorcycle insurance more expensive in North Dakota than average?
It is 22% below the US average of $780.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.