HARLEY INSURANCE: H-Davidson Insurance Policies, Coverages & Discounts (Detailed Review)

harley Insurance

Even for Harley motorcycles, Harley Davidson Insurance company, also known as HD Insurance, does not provide the cheapest motorcycle insurance quotes. However, no other motorcycle insurance company can combine products and services like it. Furthermore, it provides an excellent set of optional coverages as well as a wide range of discounts. Overall, Harley Davidson Insurance company is an excellent choice for the majority of motorcycle riders.

Overview of Harley-Davidson Insurance Company

Harley-Davidson Insurance can protect your prized motorcycle, giving you peace of mind while you enjoy the freedom of riding. It is designed specifically for H-D motorcycle riders, but other makes and models of bikes can also get Harley-Davidson Insurance coverage. This well-known brand provides low-cost motorcycle insurance primarily to those who use their motorcycle as their primary or sole mode of transportation.

Harley-Davidson Insurance is a wholly-owned subsidiary of Harley-Davidson, Inc. For more than 20 years, motorcycle riders have been able to obtain motorcycle insurance from Harley-Davidson Insurance. Except for Alaska and Hawaii, it is available in 48 states across the United States. In addition, it is not available in Washington, D.C. Sentry Insurance Group underwrites Harley-Davidson and handles all claims.

A Harley-Davidson Insurance quote can be obtained directly online or at most Harley-Davidson dealership locations.

Harley Davidson Insurance Company: Cheapest Convenient features

Harley-Davidson is arguably the most well-known motorcycle manufacturer. Despite this, many people are unaware that H-D also provides motorcycle insurance. Harley Davidson quotes aren’t outrageously priced, but they are slightly higher than Geico and Progressive motorcycle insurance quotes. Where Harley Davidson shines is in providing a one-stop-shop for all motorcycle needs.

Assume you want to finance a motorcycle, insure it, and purchase an extended service plan. Normally, this would necessitate contacting a lender, an insurance company, and a dealership. However, Harley Davidson provides motorcycle riders with all three of these services and products under one brand name, which is an unrivaled level of convenience.

Even if you don’t require the aforementioned additional services and products, such as a Harley Davidson loan, HD Insurance policies provide excellent coverage options and discounts. Furthermore, HD Insurance is not limited to Harley Davidson motorcycles, which means you can get motorcycle insurance from Harley Davidson regardless of the type of motorcycle you ride.

Disadvantages of Harley-Davidson Insurance

The most significant disadvantage of H-D insurance is that it is slightly more expensive than other motorcycle insurance companies. However, we don’t consider this a major disadvantage because motorcycle insurance is typically less expensive than auto or homeowners insurance, so the cost savings aren’t as significant. Based on our sample, the difference between an HD motorcycle insurance policy and the cheapest option available is $89 per year.

Is Harley-Davidson Insurance the Same as Progressive Insurance?

Harley Davidson motorcycle insurance is no longer offered by Progressive, but it once was. Harley-insurance Davidson’s policies were originally underwritten by some of the best motorcycle insurance companies, including Dairyland and Foremost Insurance. Then, for motorcycle insurance, Harley-Davidson partnered exclusively with Progressive. Sentry Insurance Group is now the sole provider of HD motorcycle insurance. This means that if you file a claim, Sentry Insurance Group, not Harley-Davidson, will be responsible for payment.

How Much Does Insurance for a Harley-Davidson Cost?

While Harley Davidson quotes aren’t the absolute cheapest, they are in the same ballpark as most of its competitors. According to our sample, a Harley Davidson quote costs $89 more than Progressive’s cheapest motorcycle insurance quote. There are some savings to be had, but they are minor.

Motorcycle Insurance CompanySample Annual Motorcycle Insurance Quote
Harley-Davidson Insurance$313
Sample Average$282

Obtaining Harley Davidson Insurance quotes is relatively simple, thanks to the company’s excellent online quoting system. Customers can add coverages as needed and see how they affect the cost of their Harley insurance quotes. Before signing up for coverage, we recommend comparing your Harley Davidson Insurance quote to those of competitors as well as the average cost of motorcycle insurance in your state.

Harley Insurance Ratings and Reviews

In the event of an accident, your motorcycle company is only as good as its ability to pay your insurance claims. Sentry Insurance Group, as previously stated, underwrites HD Insurance policies. As a result, when shopping for coverage, you should consider Sentry Insurance Group ratings rather than HD ratings. A.M. Best, an independent insurance rating agency, assigned Sentry Insurance Group an A+ (Superior) rating, which can be interpreted as a vote of confidence in the company’s financial strength and ability to pay customer claims. For comparison, Progressive, one of the largest insurance companies, has an A+ A.M. Best rating as well.

What Types of Discounts Does Harley-Davidson Insurance Company Provide?

Harley-Davidson provides motorcycle insurance discounts to help you save costs on motorcycle insurance. Here is a list of discounts you may be eligible for:

New Bike:

If your ride is brand new, you may be eligible for a new bike discount. It’s time to visit one of your favorite motorcycle dealers.

Member of the Harley Owners Group (H.O.G.):

If you are a member of the Harley Owners Group (H.O.G.), you may be eligible for a special discount.

Motorcycle Endorsement:

Riders who have a motorcycle endorsement on their driver’s license as a result of completing an approved riding class are eligible for a motorcycle endorsement discount on motorcycle insurance. (The amount of the discount varies by state.)

Riding Experience:

Do you have a lot of riding experience? Harley-Davidson Insurance Services provides a motorcycle discount for experienced riders based on the number of years you’ve been a licensed rider.

H-D Riding Academy:

New riders can enroll in the H-D Riding Academy New Rider Course to receive a discount while also learning how to ride.

Owning a Home:

Do you own a home? This policy discount may be available to you. To qualify, you must own an insured house, condo, townhouse, mobile home, or modular home.

Prompt Payer:

This company rewards motorcycle insurance policyholders who make all of their payments on time. This discount is available at the time of policy renewal. However, you can still take advantage of multiple payment options.

Claim-Free Renewal:

If you haven’t had any at-fault accidents during your policy period, you may be eligible for a claim-free renewal discount when you renew your motorcycle insurance.

Bundled Protection:

When you purchase additional products, you may be eligible for a multi-policy or multi-vehicle discount on bundled protection.


This company offers a loyalty discount to policyholders who have been customers for more than a year and want to upgrade to a newer bike.

Do you own more than one motorcycle?

If you have more than one bike insured with the company, you may be eligible for a multi-cycle discount on motorcycle insurance.


Anti-theft devices not only protect your bike, but they can also help you get this common discount.

Military and law enforcement personnel:

Those who serve in the military or work in law enforcement, whether active or retired, are eligible for a motorcycle insurance discount from Harley-Davidson Insurance.

What are the Additional Coverages Provided by Harley-Davidson Insurance?

In addition to the standard motorcycle insurance coverages of comprehensive, collision, liability, uninsured/underinsured motorist protection, and personal injury protection, H-D also provides optional coverages that can be added to your policy. Get additional coverage for your Harley-Davidson with the following coverage options.

Roadside Assistance:

You can supplement your H-D Insurance policy with roadside assistance for your motorcycle. Motorcycle roadside assistance assists with mechanical or electrical breakdowns while also saving you money on covered services. Harley-Davidson roadside assistance is available 24 hours a day, seven days a week for towing (usually to the nearest dealership) and service for the following:

  • Scarcity of fluid (fuel, oil, water)
  • Failure of the battery
  • Lockout (lost key)
  • A blown tire (s)

#2. Optional Equipment:

This coverage is for you if you’ve modified your bike. This is one of the few companies that provides Optional Equipment coverage, which protects any equipment you’ve added to your bike that isn’t factory standard equipment based on the VIN. If you have customized your bike, this should be taken into account during the quote process to ensure the most accurate quote with competitive rates.

#3. Vacation Rental:

With H-D Insurance’s Vacation Rental, you can have the same level of motorcycle insurance coverage on a rented bike as you do on your own. You will pay the same amount as stated in your original policy quote, with no additional charges. You can do this through your online H-D Insurance Services account. So, you can select your insurance coverage options based on what makes the most sense for your lifestyle in general.

#4. Bike Replacement Cost:

Bike Replacement Cost coverage pays for the cost of replacing your motorcycle if it is totaled, rather than just the value of your bike, including depreciation. The Bike Replacement Cost coverage is available from H-D and can be added to your motorcycle insurance policy.

#5. Optional Equipment Replacement Cost:

If your bike is totaled, you will need to replace your optional equipment. Optional Equipment Replacement Cost coverage covers the cost of replacing it.

#6. Rental Reimbursement:

Harley-Davidson Rental Reimbursement coverage is beneficial for those who have no other mode of transportation besides their motorcycle. If your motorcycle requires repairs and you are unable to drive it as a result of an accident, H-D Rental Reimbursement coverage will pay for your transportation while your bike is being repaired in qualifying circumstances. One of the great H-D Bike Insurance Benefits is the ability to add Rental Reimbursement coverage to your motorcycle insurance policy.

Other Information About Harley-Davidson Insurance

Harley-Davidson manufactures the following motorcycles:

  • Standard
  • Cruiser
  • Touring
  • Sportster®
  • Street Rod®
  • Softail®
  • Dyna®
  • The S-Series
  • Touring for sport
  • Bike for sport
  • Trike
  • CVO®
  • V-Rod®
  • Dual function
  • Scooter/moped
  • Autocycle

Harley-Davidson Insurance Services provide coverage for more than just motorcycles and motorcycle equipment. This insurance company also provides the following coverages:

#1. H-D Protection Products:

Other motorcycle protection products include extended service plans, planned maintenance, appearance protection, and others. You may be eligible for a discount on your insurance if you combine it with one or more H-D protection products.

#2. H-D Visa Rewards Card:

The H-D Visa card gives you points for every dollar spent with it. Your points can be redeemed for cool gear as well as the chance to win a new bike.

Bike Loans: Special bike loans are available for Harley-Davidson owners.

A Harley-Davidson motorcycle insurance policy can be purchased directly from the company’s website or most authorized dealerships.

Harley Insurance FAQ’s

Are Harley Davidsons expensive to insure?

Depending on the model, insurance rates for your Harley can range from $100 to $300 per month for basic coverage. To get a quote, sort motorcycle insurers by roadside assistance coverage, accident forgiveness, and other factors.

Who owns Harley Davidson insurance?

Harley-Davidson Insurance Services is a wholly-owned subsidiary of Harley-Davidson Inc.

What Motorcycles are the most expensive to insure?

Sportbikes, sometimes known as “supersports” in the industry, are typically the most expensive class of motorcycles to insure. Standard and dual sports bikes are often the most affordable, with cruisers and tourers sitting somewhere in the middle.

Why is full coverage motorcycle insurance so expensive?

Motorcycle insurance, like vehicle insurance, includes state minimum liability requirements as well as the opportunity to buy more coverage. Motorcycle insurance, like auto insurance, becomes more expensive if you add more types of coverage and lower the deductibles you’ll be expected to pay if you’re in an accident.

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