Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Motorcycle Insurance for Every Rider

Coverage Riders Need; By Law and By Choice

Liability insurance is required for motorcycles, and smart riders go further. Bowerman Insurance Agency helps bikers choose motorcycle insurance that fits their bike, their gear, and their riding season; so you can enjoy open prairie stretches and river valley curves with confidence.

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From Liability to Custom Parts

Core options include liability for injuries or damage you cause, collision for crash repairs, and comprehensive for theft, hail, fire, or animal strikes. Uninsured/underinsured motorist is especially important if a driver who hits you lacks coverage. Many carriers also offer coverage for accessories like chrome, saddlebags, and riding gear.

Roadside, Trip Interruption, and Trailer Options

Ask about roadside assistance, trip interruption for lodging after a covered breakdown, and coverage for trailers used to haul your bike. If you ride with a passenger, we'll confirm guest passenger liability and medical payments options that align with how you ride.

A white house with a porch and a chimney
A white house with a porch and a chimney

Short Seasons, Smart Savings

Many riders store their bikes during winter. Some insurers offer lay-up or off-season credits while keeping comprehensive active for garage risks like theft or fire. Bowerman Insurance Agency will match your policy to how and when you ride, from weekend tours to daily commutes.

Ways to Lower Your Premium

 Look for savings with approved safety courses, multi-bike policies, claim-free history, and bundling with your auto or home when available through the same carrier. We'll price multiple companies to find a fit for your bike and budget.

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Answers for ND Riders

  • Is motorcycle insurance mandatory?

    Yes-liability is required in North Dakota.

  • Can I pause coverage in winter?

    You may keep comprehensive and reduce other coverages; we'll explain your options.

  • Does my auto policy cover my bike?

    No-motorcycles need a separate policy.

  • Are passengers covered?

    Guest passenger liability is available with many carriers; we'll review your choices.