Harley Davidson Insurance

Protect Your Ride with Harley Davidson Insurance: What You Need to Know

Rev up your engines and hit the open road with the iconic rumble of a Harley-Davidson motorcycle beneath you! But before you embark on your two-wheeled adventure, it’s essential to ensure that you have the right protection by your side. Enter Harley Davidson Insurance, a name that resonates not only with legendary motorcycles but also with comprehensive coverage tailored to riders’ needs. Whether you’re cruising on a Harley or another brand of motorcycle, this review will unravel the depths of Harley Davidson Insurance and why it’s a choice that resonates with riders across the nation!

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Understanding the Range of Protection

Harley Davidson Insurance Services is not your average insurance provider. They understand that riders are as diverse as the motorcycles they ride, which is why they offer a range of coverage options to suit every need and preference. From the basics of liability coverage to the full spectrum of protection, including collision, comprehensive, bodily injury, and even roadside assistance, they’ve got you covered!

Not Just for Harley-Davidson Motorcycles

Contrary to popular belief, Harley Davidson Insurance doesn’t just cater to their own branded motorcycles. Whether you’re cruising on a Harley or another brand of motorcycle, they extend their protective umbrella to ensure your ride is safeguarded. After all, it’s the spirit of riding that matters most, and Harley Davidson Insurance values and respects that spirit in every rider, regardless of their bike’s make or model.

Exploring Harley Davidson Insurance Features

A Blend of Affordability and Coverage

Harley Davidson Insurance, often referred to as HD Insurance, stands out for its perfect blend of affordability and coverage. The company understands that riders have unique needs, and they’ve crafted a range of coverage options to cater to those needs. Let’s dive into some of the highlights:

  • Diverse Optional Coverages: Whether you’re looking for basic liability coverage or full protection that includes collision, comprehensive, and bodily injury, Harley Davidson Insurance has you covered. They provide the flexibility to tailor your coverage to your individual requirements.
  • Coverage for All Bikes: Don’t let the name fool you – Harley Davidson Insurance covers all types of motorcycles, not just Harleys. So, whether you’re riding a cruiser, sportbike, or anything in between, they’ve got your back.
  • Discounts Galore: Who doesn’t love discounts? Harley Davidson Insurance offers an array of discounts that put money back in your pocket. From H.O.G. members to experienced riders and homeowners, their discounts cater to a wide range of riders.

Benefits That Go the Extra Mile

Harley Davidson Insurance doesn’t stop at basic coverage. They roll out the red carpet for riders with an array of benefits that make a real difference:

  • Genuine Motor Parts Coverage: You invest your heart and soul into customizing your ride. With Genuine Motor Parts Coverage, your customizations are protected, ensuring that your motorcycle remains uniquely yours.
  • H.O.G. Member Discounts: Being part of the Harley Owners Group (H.O.G.) has its perks! Members can enjoy exclusive discounts on their insurance policies, saving both money and worries.
  • Accident Forgiveness: Life is unpredictable, and accidents can happen to even the most experienced riders. With Accident Forgiveness, your rates won’t skyrocket just because of one unfortunate incident.

Rates That Won’t Break the Bank

One of the standout features of Harley Davidson Insurance is its affordability. The company’s rates are a remarkable 29% cheaper than the national average, making it an enticing option for riders looking for comprehensive coverage without the hefty price tag. With an average monthly cost of around $24, you can protect your ride without emptying your wallet.

Convenient Bundling and Features

Harley Davidson Insurance goes the extra mile to make the insurance process as convenient as possible. They offer the option to combine motorcycle financing, insurance, and warranty all in one place. This seamless bundling not only simplifies your financial matters but also ensures that your ride is protected from all angles.

Harley Davidson Insurance In-Depth

Backed by a Reputable Name

Harley Davidson Insurance isn’t just another insurance provider; it’s backed by the reputable and iconic Harley-Davidson name. With over two decades of experience, this insurance understands the unique needs and desires of motorcycle enthusiasts.

Availability and Coverage Area

Operating in 48 U.S. states, Harley Davidson Insurance provides widespread coverage for motorcycle enthusiasts. Unfortunately, it’s not available in Alaska, Hawaii, or Washington, D.C. However, for riders in the covered states, the company offers the assurance of protection that aligns with the spirit of Harley-Davidson.

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Underwritten by Sentry Insurance Group

Sentry Insurance Group, a prominent name in the insurance industry, underwrites Harley Davidson Insurance. This partnership ensures that you’re receiving coverage from a trusted and reliable source, further enhancing the confidence you can have in your insurance protection.

Knowledgeable Support and Peace of Mind

With over 20 years of experience in the industry, Harley Davidson Insurance provides knowledgeable support to riders. Whether you’re a seasoned rider or new to the motorcycle scene, their expertise ensures that you receive the guidance you need to make informed insurance decisions. This expertise contributes to your peace of mind, knowing that you’re partnering with a reliable and experienced insurance provider.

Harley Davidson Insurance Cost – How much does Harley-Davidson’s insurance cost?

The cost of Harley-Davidson’s insurance varies based on several factors, including location, bike type, age, and coverage options. While specific cost figures for Harley Davidson Insurance are not directly provided in the search results, we can draw insights from the available information to give you a comprehensive understanding of the potential cost considerations.

Average Motorcycle Insurance Costs

According to the search results, the average cost of motorcycle insurance in the U.S. is around $60 per month or $721 per year. However, this average rate is influenced by various factors, and it’s important to note that motorcycle insurance rates can vary significantly from one individual to another.

Factors Influencing Harley Davidson Insurance Costs

  1. Location: The location you ride in plays a significant role in determining insurance costs. Different states have varying insurance regulations and risk factors. For instance, California has the highest average rate at $151 per month due to various factors such as population density and traffic.
  2. Bike Type: The type of motorcycle you own, including the specific Harley-Davidson model, impacts insurance costs. Sport bikes tend to have higher insurance rates compared to cruisers or touring bikes due to their higher crash risk.
  3. Age: Younger riders typically face higher insurance rates due to their increased risk of accidents. This is because less experience on the road can lead to a higher likelihood of accidents.
  4. Coverage Options: The extent of coverage you choose also affects the cost. Comprehensive coverage that includes protection against theft, vandalism, and other incidents will generally have a higher premium compared to basic liability coverage.
  5. Discounts and Benefits: Harley Davidson Insurance offers benefits such as discounts for H.O.G.® (Harley Owners Group) members, which can help reduce insurance costs. Being part of a motorcycle community like H.O.G. can lead to more affordable coverage.
  6. Value of Bike: The value of your Harley-Davidson motorcycle impacts insurance costs. A more expensive bike may have higher premiums to ensure its full replacement in case of damage or theft.
  7. Safety Features and Accessories: The presence of safety features and additional accessories on your bike can also influence the cost. Safety features may lead to reduced risk, while accessories might require additional coverage.

Customized Harley Davidson Insurance Quotes

To get a precise understanding of how much Harley-Davidson’s insurance will cost for your specific situation, it’s advisable to request a customized quote directly from Harley Davidson Insurance. By providing information about your location, bike type, riding habits, and coverage preferences, you can receive a tailored estimate that aligns with your unique circumstances.

Does Harley-Davidson offer discounts on its coverage?

Yes, Harley Davidson Insurance does indeed offer a range of discounts on its coverage options, providing policyholders with opportunities to save on their motorcycle insurance premiums. These discounts are designed to make comprehensive and quality coverage more affordable for riders. Let’s delve into the details of the discounts offered by Harley Davidson Insurance:

Diverse Discounts for Various Situations

Harley Davidson Insurance is committed to providing not only quality coverage but also value to its policyholders. They understand that riders come from different backgrounds and circumstances, and as such, they offer a variety of discounts tailored to various situations. Some of the notable discounts include:

  1. Multiple Bikes Discount: If you own multiple motorcycles, you can enjoy a discount on your insurance premiums. This recognizes that many riders may have more than one bike in their garage.
  2. Prompt Payment Discount: Paying your premiums on time can lead to additional savings. This discount encourages timely payment and responsible financial management.
  3. Rider Group Memberships: Being a member of a rider group, such as the Harley Owners Group (H.O.G.®), can qualify you for special discounts on your insurance coverage.
  4. Loyalty Discount: Loyalty to Harley Davidson Insurance can result in reduced premiums. This discount rewards long-term policyholders for their commitment.
  5. Safety and Training Discounts: Completing riding courses like the H-D™ Riding Academy can not only enhance your skills but also lead to insurance discounts. Safety is a priority, and Harley Davidson Insurance values riders who invest in their riding education.
  6. Claim-Free Renewals: If you have a track record of claim-free renewals, you may qualify for a discount as a reward for being a responsible and cautious rider.
  7. Bundled Protection Discount: Bundling multiple types of insurance coverage, such as motorcycle and auto insurance, can lead to cost savings.
  8. Anti-Theft Measures: Installing anti-theft measures on your motorcycle can lower the risk of theft, leading to potential discounts on your insurance premiums.
  9. Military and Law Enforcement Discounts: Active military personnel and law enforcement professionals often qualify for special discounts as a token of appreciation for their service.

Benefits of Discounted Coverage

Harley Davidson Insurance’s approach to discounts is aligned with their commitment to safety, rider community, and supporting riders in various life situations. By offering these discounts, they make it easier for motorcycle enthusiasts to access comprehensive coverage that suits their needs and budget. These discounts complement the comprehensive coverage options provided by Harley Davidson Insurance, which includes liability, collision, comprehensive, and bodily injury coverage.

What’s covered under a Harley-Davidson policy?

Harley Davidson Insurance offers comprehensive coverage tailored to meet the diverse needs of motorcycle riders, ensuring both their bikes and riding experiences are well-protected. Let’s delve into the details of what’s covered under a Harley-Davidson policy:

Comprehensive Coverage for H-D Motorcycle Riders

  1. Bike Models: Harley Davidson Insurance provides coverage for various bike models, including but not limited to Cruisers, Standards, Sportsters®, and Touring bikes.
  2. Accessories: The policy covers additional accessories for your motorcycle. This includes protection for customized parts and enhancements that you’ve added to your bike.
  3. Medical Expenses: In the unfortunate event of an accident, the policy covers medical expenses related to injuries sustained during the incident.
  4. 24-Hour Roadside Assistance: Harley Davidson Insurance offers 24-hour roadside assistance, ensuring you have support in case of breakdowns or emergencies while on the road.
  5. Guest Passenger Liability: This coverage extends to guests or passengers riding with you on your motorcycle.
  6. Bodily Injury Liability: Provides protection in case you are responsible for causing bodily injury to someone else in an accident.
  7. Property Damage Liability: Covers damage to someone else’s property that occurs as a result of an accident for which you are liable.
  8. Comprehensive and Collision Coverage: These coverages protect your motorcycle against damage from accidents, collisions, theft, vandalism, and other covered events.
  9. Optional Equipment Coverage: Offers protection for optional equipment and enhancements on your motorcycle.
  10. Vacation Rental Insurance: Coverage for situations where you rent a motorcycle while on vacation.
  11. Bike Replacement Cost: Ensures that your bike can be replaced in case of a total loss, based on its current market value.
  12. Optional Equipment Replacement Cost: Provides coverage for the replacement cost of optional equipment and custom parts on your motorcycle.
  13. Uninsured/Underinsured Motorist Coverage: Protects you in case you are involved in an accident with a driver who doesn’t have sufficient insurance coverage.
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Ratings and reviews on insurance by Harley

Harley Davidson Insurance has garnered attention for its comprehensive motorcycle insurance coverage that caters to the unique needs of riders. Let’s explore what ratings and reviews highlight about Harley Davidson Insurance:

Featured Among Top Motorcycle Insurance Providers

Harley Davidson Insurance has earned recognition as one of the notable motorcycle insurance providers in the industry. It’s featured alongside well-known insurance companies like State Farm, Progressive, and Geico in lists of top motorcycle insurance providers. These rankings acknowledge the company’s commitment to providing coverage that meets the diverse requirements of motorcycle enthusiasts.

Strengths and Offerings

Ratings and reviews often emphasize the strengths and offerings of Harley Davidson Insurance:

  1. Coverage Variety: The company’s insurance policies offer a wide range of coverage options, including liability, comprehensive, collision, uninsured/underinsured motorist, and medical payments. This extensive coverage variety allows riders to tailor their policies to their specific needs.
  2. Inclusive Bike Coverage: Harley Davidson Insurance extends coverage not only to Harley-Davidson models but also to various bike types. This inclusive approach ensures that riders of different motorcycle brands and models can benefit from their insurance offerings.
  3. Accessory Coverage: Reviews highlight the provision of accessory coverage, which ensures that customized parts and enhancements added to motorcycles are protected.
  4. H.O.G.® Member Discounts: Harley Owners Group (H.O.G.) members can avail of discounts through their insurance policies. This benefit adds value to the insurance coverage, appealing to the brand’s loyal community.
  5. Experienced Support: With over 20 years of experience, Harley Davidson Insurance offers knowledgeable support to riders. This support becomes crucial during the claims process and in addressing any concerns riders might have.
  6. Affordability: The affordability of Harley Davidson Insurance is often noted. Competitive pricing combined with comprehensive coverage options make it an attractive choice for riders seeking value.

Tailored Coverage for Different Riders

Reviews highlight how Harley Davidson Insurance’s coverage is tailored to cater to different rider profiles, including new riders and those seeking specialized coverage. The company’s offerings extend beyond basic insurance, covering aspects such as equipment replacement, rental reimbursement, and military discounts.

Accessing Harley Davidson Insurance Services

Harley Davidson Insurance Services offers various ways to access their insurance services and manage your policies. Here’s how you can access their services:

Harley Davidson Insurance Login:

To access the Harley Davidson Insurance login platform, you may want to visit their official website or contact their customer service for assistance. To access your Harley Davidson Insurance account, simply visit their official website at https://www.insurance.harley-davidson.com/ and look for the login option. If you have any questions or need assistance, you can contact their helpful advisors at 800-909-8393. And, for those using screen readers, call 800-242-2464 for support. Your ride, your protection, made easy.

Harley Davidson Insurance Phone Number:

To access Harley Davidson Insurance services, you can contact them directly via phone. The provided phone numbers are 800-909-8393 and 800-242-2464 (for screen reader assistance). You can call these numbers to inquire about coverage details, get a quote, manage your policy, report claims, and ask any questions you might have about their insurance services.

Managing Your Policy: Harley Davidson Insurance Payment and Cancellation

Harley Davidson Insurance Services provides policyholders with options to manage their policies, make payments, and handle cancellations. Here’s how you can manage your Harley Davidson Insurance policy:

Harley Davidson Insurance Payment:

To make a payment for your Harley Davidson Insurance policy, you can conveniently visit their secure site at https://www.insurance.harley-davidson.com/ and look for the payment option. You can also reach out to Harley Davidson Insurance Services directly at 800.242.2464 for any payment-related inquiries or assistance you may need. They offer immediate coverage and rental reimbursement, ensuring you’re supported throughout your riding journey. Remember, coverage and discounts may vary by state, so it’s always a good idea to check the specifics for your location. Your protection, your peace of mind, just a few clicks away.

How to Cancel Harley Davidson Insurance:

To cancel your insurance policy, you would typically need to contact the insurance provider directly. You can do this by calling their customer service phone number, 800-909-8393, or by sending a written request through email or postal mail. It’s important to note that insurance policies may have specific cancellation terms and procedures outlined in the policy documents or terms and conditions. Before canceling your policy, it’s advisable to review these documents or contact the customer service to understand the cancellation process, any potential fees or penalties, and any refund policies that may apply.

Dealing with Claims and Inquiries: Harley Davidson Insurance Claims and Contact Information

Harley Davidson Insurance Services provides policyholders with a straightforward process for dealing with claims and inquiries. Here’s how you can navigate through these aspects:

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Harley Davidson Insurance Claims:

If you need to file a claim for your motorcycle insurance policy with Harley Davidson Insurance, you can do so by following these steps:

  • By Phone: To report a claim, you can call the claims department directly at 800-242-2464. This line is available 24/7 for claim reporting.
  • Online: Alternatively, you can submit a claim online through the First Notice of Loss submission. This online reporting method can lead to quicker claim processing. It’s recommended to report claims promptly to provide accurate event details. Once you’ve filed a claim, claims associates will promptly get in touch with you to guide you through the process.

Harley Davidson Insurance Contact Infor mation:

If you have inquiries, need assistance, or wish to discuss policy details with Harley Davidson Insurance, you can use the following contact information:

  • Phone: You can contact Harley Davidson Insurance Services at 800-909-8393. This number is available for addressing your queries and providing information about policies, coverage, benefits, and discounts. For screen reader assistance, you can call 800-242-2464.
  • Website: You can visit their official website at https://www.insurance.harley-davidson.com/ for more information, including FAQs and contact details.

Harley Davidson Insurance Quote:

To get a motorcycle insurance quote from Harley-Davidson Insurance, you can visit their official website at https://www.insurance.harley-davidson.com/. They offer comprehensive coverage for all types of motorcycles, not just Harley-Davidson models. Their coverage options range from basic liability to full coverage, including features like collision, comprehensive, bodily injury, replacement cost, roadside assistance, and special equipment coverage. With over 20 years of experience, Harley-Davidson Insurance provides quality service and money-saving discounts while ensuring your bike’s protection. Additionally, they offer various discounts for new bikes, experienced riders, safety course completion, home ownership, prompt payment, claim-free renewal, multi-cycle ownership, anti-theft measures, and discounts for military/law enforcement personnel. To tailor the coverage to your needs and receive a quote, you can reach out to them directly through their website or contact them at 800-909-8393.

Who is Harley Davidson Insurance through?

Harley Davidson Insurance is underwritten by a member of the Sentry Insurance Group. They provide comprehensive motorcycle insurance coverage, offering protection for various bike models, not just limited to Harley-Davidson motorcycles. The coverage details may vary depending on the state, so it’s essential to check the specifics for your location. For more information or to get a quote, you can contact Harley Davidson Insurance Services at 800-909-8393. If you’re using a screen reader and need assistance, you can call 800-242-2464. With their extensive experience and dedication to rider protection, Harley Davidson Insurance is a trusted choice for motorcycle enthusiasts.

Harley Davidson Insurance (FAQ):

“What does Harley-Davidson motorcycle insurance cover?”

Harley Davidson Insurance offers comprehensive coverage for motorcycles, including liability, collision, roadside assistance, and more. They cover various types of bikes, not just Harley-Davidson models, and provide money-saving discounts while ensuring experienced customer support.

“How can I insure my Harley-Davidson?”

To insure your Harley-Davidson, you can compare rates based on factors like the model, deductible, coverage options, and discounts. Membership in the Harley Owners Group (H.O.G.) offers benefits, including discounts on insurance. Finding the right insurance by comparing options is essential.

“What is the average cost of motorcycle insurance?”

The average cost of motorcycle insurance in the U.S. is $721 per year, or $60 per month. Rates vary based on factors such as location, type of bike, age, and insurance company. Certain states have higher rates, with California being the most expensive at $151 per month, while North Dakota has the cheapest rates at $28 per month. Motorcycle insurance costs are 36% cheaper in states like North Dakota, Iowa, Wyoming, South Dakota, and Nebraska, while Florida, Michigan, Missouri, Louisiana, and California have rates at least 31% higher than the national average. Insurance costs also vary by company, with Nationwide offering the cheapest rate at $593 per year, and Dairyland being the most expensive at $881 per year. Geico and Progressive also offer relatively affordable rates at $610 and $625 per year, respectively. Age and the type of bike also impact insurance costs, with young drivers typically paying higher rates, and sport/supersport bikes being more expensive to insure than cruisers or touring bikes. Insurance companies consider factors such as the bike’s value, safety features, crash rate, and theft rate when determining rates. Comparing quotes from multiple companies is essential to find the best rates for motorcycle insurance.

What types of coverage does Harley Davidson Insurance offer for motorcycles?

Harley Davidson Insurance offers comprehensive coverage options for motorcycles, including liability, collision, roadside assistance, and more. They provide a range of protection to suit various needs and ensure you’re covered on the road.

Is Harley Davidson Insurance only for Harley-Davidson motorcycle models?

No, Harley Davidson Insurance caters to all types of motorcycles, not just limited to Harley-Davidson models. They provide coverage for various bike makes and models, offering a comprehensive solution for riders.

How can I compare Harley Davidson Insurance rates based on the model of my bike?

You can compare insurance rates for your Harley-Davidson motorcycle by considering factors like the model of your bike, deductible options, coverage types, and available discounts. Comparing rates helps you find the insurance that best fits your needs and budget.

Does being a member of the Harley Owners Group (H.O.G.) offer any benefits for insurance?

Yes, membership in the Harley Owners Group (H.O.G.) comes with benefits, including discounts on insurance. Being part of this group can provide you with potential savings on your Harley-Davidson motorcycle insurance.

What factors influence the cost of motorcycle insurance, including for Harley-Davidson bikes?

The cost of motorcycle insurance varies based on factors such as your location, the type of bike you own (including Harley-Davidson models), your age, and the insurance company you choose. Different states have varying average insurance costs, and certain bike types might have higher or lower rates. It’s important to compare quotes to find the best rates for your specific situation.

How can I find the most affordable motorcycle insurance rates?

To find the most affordable motorcycle insurance rates, it’s recommended to compare quotes from multiple insurance companies. Different insurers offer varying rates based on factors like your bike’s value, safety features, crash rate, and theft rate. Consider options like Nationwide, Geico, and Progressive, and assess discounts available for factors like safe driving history and affiliations with motorcycle groups.

What are the average motorcycle insurance costs in the U.S.?

The average cost of motorcycle insurance in the U.S. is around $721 per year or $60 per month. However, these costs can vary significantly based on your location, bike type, age, and the insurance company you choose. Certain states may have higher or lower average rates, and the specifics of your situation will influence your insurance premium.


Riding a motorcycle is more than just a mode of transportation; it’s a lifestyle, a passion, and a thrilling adventure. With the wind in your hair and the open road ahead, the last thing you want is to worry about your insurance coverage. Harley Davidson Insurance takes that worry off your shoulders, providing a comprehensive and affordable solution for riders of all kinds. From the legendary name it carries to the diverse coverage options, discounts, and convenient features, Harley Davidson Insurance proves to be a top choice for motorcycle enthusiasts. So, gear up, hop on your bike, and ride with the confidence that comes from knowing you’re protected by a name that’s been synonymous with the spirit of the ride for decades!

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