Harley-Davidson Insurance Review: Great Coverage, Cheap Rates
Harley-Davidson has good, tailored motorcycle coverage and cheaper-than-average rates that can be lowered even more with discounts.
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Editor's Rating
Pros and cons
Pros
Covers for lots of motorcycle types
Great for road trips
Offers protection for custom motorcycle parts
Cons
Can't bundle with auto or home insurance
No trailer coverage
Harley-Davidson Insurance: Convenient features at reasonable rates
With Harley-Davidson, you can get coverage for any bike, even if you don't own a Harley. H-D insurance is affordable, with rates that are 29% cheaper than the national average. You'll also find great coverage options and discounts on H-D Insurance policies.
Harley-Davidson is also a one-stop shop for bike owners.
Say you want to finance a motorcycle purchase, insure the bike and purchase an extended service plan. Typically, this would require you to contact a lender, an insurance company and a dealership.
However, Harley-Davidson lets motorcycle riders get a motorcycle loan, insurance and warranty from the same company, which you won't be able to do with most other companies.
Harley-Davidson insurance drawbacks
Harley-Davidson's biggest drawback is that it doesn't offer as many insurance bundling options as other big companies. And Harley-Davidson also doesn't offer some more specific coverage options, such as protection for your trailer.
How much does Harley-Davidson's insurance cost?
With an average of just $24 per month, Harley-Davidson’s insurance rates are 29% cheaper than average. Only Dairyland and Progressive have cheaper rates than Harley-Davidson.
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Harley-Davidson monthly insurance rates
Company | Rate | |
|---|---|---|
| Dairyland | $22 |
| Progressive | $23 |
| Harley-Davidson | $24 |
| Geico | $36 |
| Allstate | $37 |
| Markel | $40 |
| Nationwide | $55 |
Getting Harley-Davidson Insurance quotes is fairly simple, as the company has a great online quoting system. You can add coverage as you need and see how each impacts the cost of Harley quotes.
Then compare your Harley-Davidson Insurance quote with quotes from other companies and the average cost of motorcycle insurance in your state before signing up for coverage.
Does Harley-Davidson offer discounts on its coverage?
Harley-Davidson Insurance offers a number of discounts to policyholders. H-D Insurance's discounts stand out because several are easy to qualify for. For example, if you recently purchased a bike or you're a homeowner, you'll receive some savings on your Harley quote.
Harley-Davidson discounts
- New bike: If you have a newer motorcycle, you'll save on your monthly rates.
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H.O.G. member: Get a special discount if you're a member of Harley Owners Group (H.O.G.).
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Motorcycle endorsement: You may qualify for a discount if you have a motorcycle endorsement on your license for taking part in an approved riding class.
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Experienced rider: Receive a discount based on how long you've been riding motorcycles. The more experienced you are, the greater your discount.
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H-D Riding Academy: Get a discount for completing the H-D Riding Academy New Rider Course.
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Homeownership: If you own a home, you're eligible for a discount on your Harley quote, regardless of what company it's insured with.
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Prompt payer: Receive a discount at policy renewal if you made all your payments on time.
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Claim-free renewal: At policy renewal, receive a discount if you haven't been in an accident.
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Bundled protection: Get a discount if you have other Harley-Davidson Insurance products, like planned maintenance.
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Loyalty: Save money if you're adding a second (newer) bike to your policy or if you've been with H-D Insurance for more than one year.
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Multicycle: Insure more than one motorcycle with Harley-Davidson.
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Anti-theft: Receive a discount if your motorcycle is equipped with an anti-theft device like an alarm.
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Military and law enforcement: You'll get a break on your insurance rates if you're an active or retired member of law enforcement or the military.
One notable absence from the list above is an auto and motorcycle bundle discount. Harley-Davidson doesn't currently offer auto insurance. This is a fairly common discount that can be found through other motorcycle insurance companies, including Progressive and Geico.
What's covered under a Harley-Davidson policy?
With Harley-Davidson Insurance, you have the option of adding extra coverages to your HD Insurance policy. For instance, anyone who enjoys customizing their motorcycle would benefit from HD Insurance's optional equipment replacement cost coverage.
Say you purchased custom chrome rims for your motorcycle for $5,000, but they are now only worth $2,000. If your rims are damaged beyond repair in a covered accident, your insurance company would normally reimburse you for $2,000 minus your deductible. This is in stark contrast to HD Insurance's optional equipment replacement cost coverage, which would reimburse you the full $5,000 for new chrome rims.
Other notable optional coverage options include:
Vacation rental: Rental coverage extends your normal motorcycle insurance protections to any motorcycle you rent.
Bike replacement cost: This add-on is similar to optional equipment replacement cost coverage. The only difference is that this coverage applies to your motorcycle if it's totaled rather than specific parts. If you purchase a Harley-Davidson motorcycle for $13,000 but its depreciated value is $4,000 at the time of your accident, this coverage would ensure that you're reimbursed for $13,000 rather than $4,000.
Harley-Davidson roadside assistance: This coverage is similar to an auto roadside assistance add-on. Harley-Davidson Insurance's roadside assistance provides fluid replenishment, battery jump-starts, locksmith services and tire replacement.
Guest passenger liability: This covers injuries to your passengers if you're at fault in an accident.
Rental reimbursement coverage: This coverage will help pay for a rental or other transportation if your bike is in the shop after an accident.
Along with the add-on options listed above, H-D Insurance provides standard coverage options.
- Bodily injury liability
- Property damage liability
- Comprehensive coverage
- Collision coverage
- Underinsured and uninsured motorist bodily injury
- Underinsured and uninsured motorist property damage
- Personal injury protection
- Medical payments coverage
Currently, Harley-Davidson offers insurance policies in every state with the exception of Alaska and Hawaii. That said, if you have an H-D insurance policy in a covered state, like Tennessee, you'll be insured when traveling to either Alaska or Hawaii. Along with its broad state coverage, H-D Insurance offers policies for most motorcycle types.
- Cruiser
- Standard
- Sportster
- Dirt bike
- Street Rod
- S Series
- Touring
- Softail
- Dyna
- Electric
- Sport bike
- CVO (Custom Vehicle Operation)
- Sport touring
- Trike
- V-Rod
- Dual purpose
- Scooter
- Autocycle
- Moped
Ratings and reviews on insurance by Harley
Harley-Davidson's insurance policies are underwritten by three companies, which have customer service reputations that range from average to good. Sentry Select Insurance received no complaints for service in 2022, according to the National Association of Insurance Commissioners (NAIC). Viking Insurance and Middlesex Insurance received a few more complaints than average companies their size.
Company | States |
|---|---|
| Viking Insurance | California, New York |
| Middlesex Insurance | New Hampshire, Washington |
| Sentry Select Insurance | Other states |
AM Best, an independent insurance rating agency, gave all three underwriting companies a rating of A+ (Superior), which can be taken as a vote of confidence for each company's financial strength and ability to pay customer claims.
Is Harley-Davidson Insurance the same thing as Progressive?
Harley-Davidson motorcycle insurance is not Progressive insurance, but they used to be connected. Harley-Davidson's insurance policies were originally underwritten by some of what we consider to be the best motorcycle insurance companies, such as Dairyland and Foremost Insurance. Then, Harley-Davidson partnered exclusively with Progressive for motorcycle insurance.
Today, H-D motorcycle insurance is underwritten by Sentry Select Insurance, Viking Insurance and Middlesex Insurance. This means if you file a claim, one of those three companies will be responsible for payment — not Harley-Davidson.
Frequently asked questions
Is Harley-Davidson Insurance good?
Harley-Davidson is a good option for motorcycle insurance. It has some of the lowest rates you'll find and a good set of coverage options to add to your policy
How much is insurance from Harley-Davidson?
Who is Harley-Davidson insurance through?
Harley-Davidson motorcycle insurance is underwritten by three companies: Sentry Select Insurance, Viking Insurance and Middlesex Insurance. Viking Insurance underwrites policies in California and New York. Middlesex Insurance is in New Hampshire and Washington. Sentry backs policies in other states.
Methodology
ValuePenguin collected hundreds of motorcycle insurance quotes from across the country from Harley-Davidson and top competing companies. Rates are for a single 45-year-old man with full coverage and a 2018 Honda CMX500 Rebel.
- Bodily injury liability coverage: $50,000 per person and $100,000 per accident
- Property damage liability coverage: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
Company star ratings are based on factors that include rates, customer service and coverage options.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.