Harley-Davidson Insurance: A Quality Option for All Motorcycle Riders

If you own a motorcycle, you can get coverage from a regular auto insurance company or through Harley-Davidson.

Tina Chang
Updated 30 June 2022
Harley-Davidson Insurance: A Quality Option for All Motorcycle Riders
Sections on this page
  1. Pros and Cons of H-D Insurance
  2. Cost of Harley-Davidson Insurance
  3. Harley-Davidson Coverage
  4. Frequently Asked Questions

If you're comparing motorcycle insurance options, don't forget the options offered by Harley-Davidson insurance (H-D insurance). Although your monthly premiums will likely be slightly higher than if you went with a traditional insurance company, you may find that it's worth the additional cost.

Harley-Davidson Isn't Just for Harleys

Despite the name, Harley-Davidson insurance isn't just for Harleys. The carrier offers motorcycle insurance for all makes and models of motorcycles.

Pros and Cons of H-D Insurance

There's a reason why motorcycle riders choose Harley-Davidsons—their bikes are made to last, they have a style and size to suit almost everyone, they're dependable, and maintenance is easy.

On top of offering quality motorcycles, Harley-Davidson is also a good choice for insurance.


  • Provides coverage for most motorcycle types (not just Harley-Davidsons)
  • A lot of add-on coverage options (easy to customize)
  • Various discounts can be applied
  • Affordable


  • Slightly more expensive than insurance from a standard insurance carrier
  • Not able to bundle it with other insurance policies (e.g., home insurance, car insurance)

Cost of Harley-Davidson Insurance

Harley-Davidson insurance costs slightly more than what a policy from a standard insurance carrier (e.g., Geico, Progressive) will offer, but it does come with additional benefits.

According to ValuePenguin, insurance through Harley-Davidson will set you back around $89 more per year compared to cheaper motorcycle insurance providers. But you'll probably still only be paying around $26/month, which is very affordable when it comes to insurance.


Although Harley-Davidson insurance services plans cost more than other carriers on average, various discounts can be applied to bring your monthly premium down.

You may qualify for discounts if you:

  • Insure a new motorcycle
  • Are an experienced rider
  • Have a motorcycle endorsement on your driver's license
  • Own a home
  • Equip your bike with an anti-theft device
  • Add other H-D insurance products (bundle)
  • Are a member of the Harley Owners Group (H.O.G.)
  • Complete the H-D Riding Academy New Rider course
  • Make your H-D insurance payments on time (get a discount when you renew your policy)
  • Add a second motorcycle to your policy (it must be newer)
  • Are with Harley-Davidson insurance services for more than a year

Harley-Davidson Coverage

H-D insurance offers all of the standard coverage options that you would get from a different auto insurance carrier, including:

  • Bodily injury liability
  • Property damage liability
  • Collision coverage
  • Comprehensive coverage
  • Underinsured and uninsured motorist bodily injury liability
  • Underinsured and uninsured motorist property damage
  • Personal injury protection
  • Medical expenses coverage

In addition to the standard coverage options, H-D insurance also offers options add-ons, including:

  • Equipment coverage
  • Equipment replacement
  • Roadside assistance
  • Vacation rental coverage
  • Motorcycle replacement coverage
  • Guest passenger liability

Sentry Insurance Group Underwrites H-D Insurance

If you file a claim with Harley-Davidson insurance services, Sentry Insurance Group will be responsible for the payment.

Frequently Asked Questions

Is H-D insurance an affordable motorcycle insurance option?

A policy from Harley Davidson insurance services is generally more expensive than a policy from a standard insurance carrier, but it is still affordable.

Is H-D insurance good?

Harley-Davidson insurance is generally considered a quality, affordable motorcycle insurance option for all motorcycle riders. On top of offering various discounts, there are optional add-ons to protect your motorcycle further.

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