Harley-Davidson Motorcycle Insurance Review

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Contributor, Benzinga
August 13, 2021

If you own a Harley-Davidson motorcycle, you may want to protect your vehicle with a unique policy from Harley-Davidson Insurance. Harley-Davidson Insurance offers policies for nearly every type of motorcycle, and you can even claim a policy that provides enhanced protections for any upgrades you’ve made to the vehicle. If your motorcycle is your primary form of transportation, you’ll love Harley-Davidson Insurance’s rental replacement coverage option.

However, these unique policies come at a price — in our review, policies from Harley-Davidson Insurance were significantly more expensive than most competitors. The cost of your policy might be offset by Harley-Davidson’s generous list of discounts, available for everything from brand loyalty to experience on the road.

Best For
  • Riders with custom bikes that need extra protection
  • Riders who use their motorcycle as their primary form of transportation
  • Riders who want additional coverages beyond state-minimum requirements
  • Wide range of coverages available
  • Generous number of discounts; special discounts unique to Harley-Davidson owners
  • More expensive than competitors
  • Cannot bundle together auto and motorcycle insurance

Harley Davidson Motorcycle Insurance Ratings at a Glance

Harley-Davidson Motorcycle Insurance Coverage Options
Vehicle Coverage Options
Available Discounts
Harley-Davidson Pricing and Value
Customer Service
Harley-Davidson Claims Support
Mobile App
Harley-Davidson Motorcycle Insurance User Benefits
User Experience

Harley-Davidson Motorcycle Insurance Coverage Options

Harley-Davidson offers the best motorcycle insurance for many types of Harley-Davidson motorcycles, including models from the company’s standard, cruiser and touring categories. Additional coverage for any accessories or alterations you may have made to your motorcycle also is available. A wide variety of coverage options and room to add coverage for accessories ensures the rider is truly protected.

Harley-Davidson’s motorcycle insurance encompasses several types of coverage, including:

  • Bodily injury liability insurance: Bodily injury liability insurance helps pay for the costs of medical bills, lost wages and more to anyone who you injure in an at-fault accident. Bodily injury liability coverage will not compensate you for your own injuries or lost wages but is legally required as a driver in almost every state.
  • Guest passenger liability insurance: Guest passenger liability insurance helps a guest accompanying you on your motorcycle cover the costs of medical bills following an accident where you are deemed to be at fault as the driver.
  • Property damage liability insurance: Property damage liability insurance covers the costs of repairs needed after you damage another person’s property during an accident. Like bodily injury liability coverage, property damage liability coverage under a motorcycle policy is required to drive in most states.
  • Collision insurance: Collision coverage helps handle the costs of repairs to your vehicle after an accident.
  • Comprehensive coverage: This coverage helps cover the costs of repair to your vehicle after it is damaged in some way besides a collision. For example, comprehensive coverage will help repair your vehicle if it is vandalized, stolen or damaged during a fire.
  • Roadside assistance: Roadside assistance coverage provides you with 24-7 towing and roadside service in the event that your motorcycle breaks down in the middle of a ride or runs out of fuel. Roadside assistance can also help you tow your vehicle if you lose your keys or otherwise lock yourself out of your bike.
  • Optional equipment insurance: Optional equipment insurance provides you with additional protection that covers the costs of modifications and add-ons you’ve installed to your vehicle.
  • Vacation rental insurance: If you rent a motorcycle when on vacation or out of town, you’ll receive your full Harley-Davidson motorcycle insurance policy protection if you have vacation rental insurance.
  • Bike replacement cost insurance: Bike replacement cost insurance covers the complete cost of a new bike of the same model if your vehicle is deemed a total loss after a collision.
  • Optional equipment replacement cost insurance: This coverage extends your broker replacement cost insurance to include optional add-ons and modifications you’ve made to your vehicle.
  • Uninsured motorist bodily injury liability insurance: This protection helps cover the cost of your medical bills if you are involved in a collision with a driver who is driving illegally without state-required insurance. Uninsured motorist bodily injury insurance is required protection in select states.
  • Underinsured motorist bodily injury liability insurance: This protection extends your uninsured motorist bodily injury insurance to include drivers who are on the road with insurance that isn’t adequate to cover your medical bills after a collision.
  • Uninsured motorist property liability insurance: Uninsured motorist property liability insurance covers you in the event that your vehicle is damaged by a driver on the road without state-minimum insurance protections.
  • Underinsured motorist property liability insurance: This protection extends your uninsured motorist property liability insurance to include drivers with insufficient insurance to cover all damages you incur.
  • Rental reimbursement: If your motorcycle is damaged beyond repair, rental reimbursement coverage helps pay for the cost of a rental replacement. This coverage can be useful if your motorcycle is your only form of transportation that you rely on to get to work or school.
  • Medical expense coverage: Medical expense coverage helps cover the costs of you and your passenger’s medical bills that health insurance won’t cover following a collision. Medical payments coverage is often overlooked and should be purchased to stem the tide when personal insurance is not enough.
  • Personal injury protection: Personal injury protection provides coverage for medical expenses, up to a specified limit, to you and your passengers, regardless of who is at-fault for the accident. Personal injury protection is required in select states — in nonrequired states, you’ll typically have access to medical expense coverage. 

Coverage type availability and minimums may vary by state. Affordable motorcycle coverage is often in the eye of the beholder because motorcycle insurance coverage can vary so widely from street bikes to leisure riding and more.

Vehicle Coverage Options

Harley Davidson offers insurance for many types of Harley Davidson motorcycles, including:

  • Standard
  • Cruiser
  • Touring
  • Sportster
  • Street Rod
  • Softail
  • Dyna
  • S Series
  • Sport touring
  • Sport bike
  • Trike
  • CVO
  • V-Rod
  • Dual purpose
  • Scooter/moped
  • Autocycle

Options coverages are also available for any accessories or alterations you’ve made to your motorcycle as well. Additionally, vintage motorcycle insurance is different because older bikes must be insured on an actual cash value basis so that you can afford to repair or replace them.

Available Discounts

Harley-Davidson Insurance offers the following discounts on coverage:

  • New vehicle discount: This discount offers you a reduced rate when you insure a new vehicle instead of a used one.
  • HOG member discount: If you’re a member of a Harley Owners Group (HOG) you can receive an exclusive discount.
  • Motorcycle endorsement discount: If you live in a state that offers motorcycle endorsement on your driver’s license, you can save money by getting an official endorsement.
  • Experienced driver discount: Harley-Davidson Insurance offers custom discounts based on the number of years of experience you have riding motorcycles.
  • H-D Riding Academy discount: You can earn a discount by completing Harley-Davidson’s New Rider Training Course. If you’ve previously completed another safe driving program, you may also be entitled to a discount.
  • Homeownership discount: You can save money on your policy if you own your living space, no matter if it’s a single-family home, a condo or another type of property.
  • Prompt payment discount: If you pay your insurance premiums on time throughout the year, you can claim a discount when you renew your policy.
  • Claim-free renewal discount: For each year you go without an insurance claim, Harley Davidson Insurance will offer you a claim-free renewal discount when you sign on to continue your policy.
  • Bundled protection discount: When you bundle multiple types of Harley-Davidson Insurance together, you’ll get a discount on each policy.
  • Loyalty discount: If you’ve been a Harley Davidson Insurance policyholder for more than 1 year, you’ll be able to claim the loyalty discount when you renew your policy.
  • Multicycle discount: If you have multiple motorcycles to insure, you’ll save money when you bundle them together with the multi-cycle discount.
  • Anti-theft discount: This discount allows you to save if you have a qualifying anti-theft device installed in your vehicle.
  • Military and law enforcement discount: Active-duty and retired members of the military or law enforcement careers are entitled to an additional discount. 
  • Accident forgiveness: Accident forgiveness with Harley Davidson motorcycle insurance is available on all new policies. The carrier will forgive one accident per 12-month policy term after you hold the policy for 12 months.

Remember, cheap motorcycle insurance is out there, but motorcycle safety can be tenuous at times. It helps to have a full battery of motorcycle insurance that works for your situation.

Harley-Davidson Pricing and Value

In our review, we received an annual quote of $1,062.49 for a 1-year policy. This is significantly more expensive than the quotes we received from competitors like Ameriprise ($750 for a 1-year policy) and Allstate ($499 for a 1-year policy). While accident forgiveness is available, that small break on rate hikes likely cannot compensate for significantly higher premiums. You can get a motorcycle insurance quote from Harley at any time.

Benzinga found many negative reviews of Harley-Davidson customer pricing, with customers indicating that premiums change without notice if you make a change to your policy, and monthly payments can skyrocket depending on where you are in your insurance cycle.

One customer reported that the Harley-Davidson Motorcycle Insurance premium is 3 times the annual premium of Foremost Insurance, which provides more coverage. When the customer canceled the policy, they reported that Harley-Davidson charged a $45.99 early cancellation fee and threatened the use of a collection agency if they refused to pay.

Reviews from Consumer Advocate users are an example of their poor rating here. Let’s take a look at a few examples of what previous policyholders had to say about their Harley-Davidson Insurance coverage. Review samples have been edited for clarity and length, but the content has not been altered.

The premiums change without notice, if you make a change to your policy your monthly payments can skyrocket depending on where you are at in your year of insurance. – Christopher, 5/23/2020, ConsumerAdvocate.org.

Three times the annual premium of the Foremost Insurance policy and Foremost provided more coverage. Then when I [canceled;] they [charged] me[with] a $45.99 early cancellation fee and [threatened] me with a collection agency if I refuse to pay it. – Cheboni J., 3/2/2020, ConsumerAdvocate.org.

Customer Service

If you need to get in contact with Harley-Davidson Insurance’s customer service team, you can use either of the following methods.

  • By phone: To contact Harley Davidson customer service by phone, call 800-242-2464 for policy questions, claims and payments or call 800-909-8393 for quotes. Claims services are available 24/7 while all other services are available Monday thru Saturday 7 a.m. to 11 p.m. CT and Sunday 8 a.m. to 7 p.m. CT.
  • By message: To contact customer service by online message, fill out a form on the company’s website.

Benzinga’s findings suggest that Harley-Davidson’s customer service is limited to phone and message. All claim services are available 24/7, and all other services are available strictly from  7 a.m. to 11 p.m. central time Monday through Saturday and 8 a.m. to 7 p.m. central time on Sunday. You also can always send a message to customer service through the company’s website. 

While it is great that services are available 24/7 for claims, there are other areas in which limited hours of operation may leave some customers in a tough situation. There might even be some who prefer scheduling an appointment to meet and speak with an agent to go over all their concerns and questions. It appears that is not an option that is offered, which may leave customers a bit disgruntled. For these reasons, Benzinga gives Harley-Davidson a 3 out 5 stars rating for customer service.

Harley-Davidson Claims Support

Harley-Davidson Insurance offers 24/7 claims service and the company recommends that you file your claim as soon as possible after an accident. To file a claim by phone, call 800-242-2464 and submit supporting documents through the Harley-Davidson Motorcycle Insurance portal. You can also file a claim entirely online by creating a self-service account.

After filing your claim, you’ll receive personal service from a Harley-Davidson Insurance representative as soon as possible. 

Mobile App

One of the great factors of living in the 21st century is advancing technology. Harley-Davidson likes to keep up with the times and offers its app for download on your smartphone. The app allows you access to the best tools to get the most out of your time on the road. You can gear up with ride planning, GPS navigation, event updates, Harley-Davidson dealers, My H-D, challenges and more. This is the perfect tool for those who are looking for a fast, easy and efficient way to access their account. The Harley-Davidson app gets a 4- out of 5-star rating.

Harley-Davidson Motorcycle Insurance User Benefits

With Harley-Davidson Insurance, customers are able to select from a range of protection policies that include bodily injury liability, guest passenger liability, property damage liability, collision, comprehensive, roadside assistance, optional equipment, vacation rental, bike replacement cost, optional equipment replacement, uninsured motorist bodily injury liability and more. Users need not worry about whether there are enough coverage options to choose from or whether there is a sufficient amount of protection. Harley-Davidson Insurance leaves no policyholder in the dust but rather gives them the opportunity to reap the benefits and rewards. Harley-Davidson’s user benefits receive a 4- out of 5-star rating.

User Experience

Benzinga’s Harley-Davidson Motorcycle Insurance review encompasses everything from the second you start considering whether or not to purchase insurance all the way through to the moment you are cruising along the road on your bike. Benzinga gives Harley-Davidson’s user experience 5 out of 5 stars. 

As a rider, safety and protection are the ultimate goals for you and everyone else on the road. Investing in Harley-Davidson motorcycle insurance is a perfect choice if it meets all your standards and you are willing to pay a pretty penny. Paying the high price rewards you with the utmost coverage and benefits.

Harley-Davidson Insurance vs Competitors

As with anything else, there are positives and negatives with Harley-Davidson Motorcycle Insurance. You have to decide what works best for you. Benzinga can say with confidence that Harley-Davidson offers a wide range of coverage options and discounts. If you are looking for the most affordable insurance on the market, be mindful that you might be better off choosing another insurance company. Many competing agencies may offer exactly what you are looking for at a more desirable cost that meets your budget.


Where can I find more Information about motorcycle insurance?


You can visit the Harley-Davidson website and click on the Financial Services page for more information regarding motorcycle insurance. The company also has a detailed Frequently Asked Questions page that provides information on motorcycle insurance, its motorcycles and much more.


How can I get the lowest motorcycle insurance premium?


Be sure to shop around with different providers for the best quote. If you are looking to keep your premium as low as possible, talk to an agent and see whether you can complete a motorcycle riding course. Motorcycle riding courses are a great way to get a discount. You may want to ask about including your motorcycle gear and accessories under your policy, as the costs of replacing those can be staggering.


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Money-saving Motorcycle Insurance

Harley-Davidson Insurance Services provides services as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. The company stands behind its policies with industry-leading services, coverage and support. You’ll also get money-saving motorcycle insurance discounts and experienced customer service and claims support. 

You can get Harley-Davidson Insurance today with a free, quick quote.

About Sarah Horvath

Sarah is an expert in the insurance, investing for retirement and cryptocurrency space.