1 Minute Review
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.
- 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
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Harley-Davidson’s motorcycle insurance encompasses a wide range of coverage options, 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 is required to drive in most states.
- Collision insurance: Collision insurance helps cover 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.
- 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.
Harley Davidson offers insurance for many types of Harley Davidson motorcycles, including:
- Street Rod
- S Series
- Sport touring
- Sport bike
- Dual purpose
Additional coverage is also available for any accessories or alterations you’ve made to your motorcycle as well.
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.
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).
Reviews from Consumer Advocate users also seem to be very negative. 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.
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 customer service by phone, call 800-242-2464. Customer service is available from 8 a.m. to 12 a.m. EST.
- By message: To contact customer service by online message, fill out a form on the company’s website.
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 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.
With so many motorcycle insurance companies offering policies, it can feel comforting to know that you have a policy tailor-made for your Harley-Davidson vehicle. With a wide range of coverage options and discounts available, Harley-Davidson’s insurance is noteworthy and comprehensive. If you’re looking for the most affordable insurance on the market, however, you might be better off choosing a competing provider.