Motorcycle Insurance Minimum Requirements in North Dakota

North Dakota Insurance Requirements for Motorcycles

You must carry the following minimums:

• $25,000―Per person

• $50,000―Per accident for bodily injury

• $25,000―Per accident for property damage

Be sure to compare quotes from different carriers before deciding on an insurance plan. This will increase your chances of uncovering an affordable rate. And don't think that you're tied to the minimum rates listed above. You can maximize your coverage through a variety of ways, including taking out different types of coverage.

How Coverage Affects Helmet Requirements

The state does not offer insurance discounts for riders who opt to wear helmets. As is, the law requires only operators under 18 to don helmets while riding.

Proof of Insurance and Financial Responsibility

While riding you must carry one of the following:

• An insurance identification card, issued by your insurance company.

• A letter or certificate proving you're covered under the North Dakota Automobile Insurance Plan.

• A letter or certificate proving self-insurance.

Penalties for Failure to Maintain Financial Responsibility

Riding with no proof of insurance is considered a Class B misdemeanor. Penalties include:

• A minimum fine of $150.

• The impounding of your bike, if caught a second or subsequent time riding without coverage.

• The suspension of your license if you're involved in an accident without coverage.