North Dakota Motorcycle Insurance

Motorcycle Insurance Coverage Requirements in North Dakota

• Minimum Liability Limits in ND: 25/50/25 ^[2]
• • 25  Required coverage up to $25,000 for one individual injured in an accident
  • 50  Required coverage up to $50,000 for all persons injured in an accident
  • 25  Required coverage up to $25,000 for property damage in an accident

• Insurer Verification of Insurance in ND ^[2]
• • Insurer must verify randomly selected insurance policies upon request.

North Dakota Motorcycle Insurance Liability Requirements

Mandatory motorcycle insurance coverage for riders in the state of North Dakota.

• Motorcycle Insurance Requirements in ND ^[2]
• • Bodily injury liability coverage
  • Property damage liability coverage
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Personal injury protection coverage

Motorcycle Helmet Laws in North Dakota

• • Motorcycle helmets required for 17 and younger. ^[3]

Motorcycle License Regulations in North Dakota ^[4]

Detailed information about North Dakota laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

• Motorcycle License Laws in ND
• • A person holding an instruction permit for the operation of a motorcycle may not carry passengers and may operate the motorcycle only during the hours when use of headlights is not required.
  • An applicant 16 years of age and older who does not hold a current valid driver's license, may be issued a Class M learner's permit after successful completion of a written examination. The Class M license will be issued after successful completion of a driver's examination or completion of an approved motorcycle safety course.
  • Applicants 14 or 15 years of age may be issued a motorcycle learner's permit if enrolled in or have completed an approved motorcycle safety course. The learner's permit must be held for at least 2 months prior to applying for a Class M driver's license, and the permit holder must have completed the safety course and hold a valid motorcycle learner's permit at the time of application.
  • A driver under 16 years of age is restricted to driving a motorcycle with an engine of 250 cubic centimeters, or less, displacement.

Motorcycle Equipment Laws in North Dakota ^[4]

Various regulations and laws in North Dakota regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

• Motorcycle Equipment Laws in ND
• • No person under the age of 18 years may operate or ride on a motorcycle unless a helmet is being worn on the head of the operator and rider. If the operator of a motorcycle is required to wear a helmet, any passenger must also wear a helmet regardless of the age of the passenger.
  • Eye protection is not required for riders in North Dakota.
  • A motorcycle must be equipped with footrests for each passenger not in a sidecar or enclosed cab that can support a weight of 250 lbs.
  • Motorcycle handlebars must have nonslip handgrips that may not be located above the shoulder height of the seated operator. The handlebars must provide a minimum of 18 inches between grips after final assembly.
  • Every motorcycle and motor-driven cycle must have at least 1 brake, which may be operated by hand or foot, and at least 1 tail light and brake light.