North Dakota Motorcycle Insurance

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North Dakota requires that all riders have a minimum motorcycle liability insurance policy in force at all times while riding. Riders must be able to show proof of insurance when requested by a law enforcement official or they will be required to do so in court.

Further complicating motorcycle insurance in North Dakota is the ”no fault” system the state uses. In general, riders are liable for their own injuries after an accident; however, under certain circumstances, a rider may step outside of the no fault laws and sue an at fault motorists. Because of this system, it is best to have a policy in place at all times.

Let’s have a look at motorcycle insurance issues in North Dakota, how the state defines a motorcycle for law enforcement and insurance purposes, some of the required equipment to make your bike street legal, as well as the coverage levels and types you may need.

ND Motorcycle Insurance Requirements

North Dakota statutes have set the minimum motorcycle insurance coverage limits at:

  • $25,000 for death or bodily injury to one person
  • $50,000 for death or bodily injury to two or more persons
  • $25,000 for damage or destruction of property

The minimum coverages in North Dakota will adequately cover a minor accident, but a rider may be surprised how low they are after a major incident. The caps are nowhere near enough to protect you, and liability coverage does nothing ot protect your bike. That is why you should always carry additional coverage. You may want to consider the following:

Collision coverage: this protection covers your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage.

Uninsured/under-insured motorist coverage: at any given time nearly 6 percent of the motorists in North Dakota do not have insurance in place. With that many uninsured drivers you can see why you need this type of coverage. As if worrying about uninsured drivers isn’t enough, you must also be aware of under-insured drivers. An uninsured/under-insured motorist policy protects you in either case.

Comprehensive coverage: this protection covers non-collision mishaps like fire, wind, water, theft, and vandalism.

ND Motorcycle Laws

In North Dakota, a motorcycle is:

”Any motorized vehicle with a seat for the driver and operating on a maximum of three wheels; a motor with more than two horsepower and more than 50 cc displacement; and can operate in excess of 30 mph.”

The Peace Garden State can be a beautiful place to ride, despite the limited riding season. Even the congested streets of Bismarck can make for an interesting ride. Whether you are in congested urban sprawl or wide open prairie, you and your bike must have certain equipment in order to be considered street legal in the North Dakota. That equipment includes:

  • Eye protection: required for all riders.
  • Handlebar height: handgrips must be below the shoulders of the seated operator.
  • Helmet: required for all riders under the age of 18, reflectorization required.
  • Mirrors: only one required.
  • Turn Signals: not required.
  • Passenger Seat/Footrest: both are required if carrying a passenger. No restrictions on a passenger’s age.
  • Headlight: required, modulating daytime headlight approved.
  • Muffler: required, no cutouts or bypasses. Sound may not exceed manufacturer limits.
  • Safety Inspection: not required.

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