Harley Davidson Insurance Review & Ratings (2022)

If you want buy motorcycle insurance, Harley Davidson Insurance may have the coverage you're looking for. On average, a Harley Davidson policy costs $313/year, but not only does this company offer great coverage options, it also allows you to take advantage of a wide range of discounts. Filing a claim with this company can be done easily over the phone or online. You can also compare other motorcycle insurance quotes to Harley Davidson Insurance quotes for free online.

Free Insurance Comparison

secured lock Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 21, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

The Rundown

  • Harley Davidson Insurance offers insurance coverage for a wide of motorcycle types
  • Motorcycles can file a claim over the phone or online
  • You can get free motorcycle quotes when you shop online

Cruising along winding country roads as beautiful scenic images rush by you on either side may be the best feeling in the world, but the feeling that comes in at a close second is the sense of protection you have when you know that you have the motorcycle insurance coverage that you need to carry on with your adventures safely.

If you don’t think that you have adequate insurance coverage for your motorcycle currently, you may want to buy motorcycle insurance from Harley Davidson Insurance. This company has been in business for years and can get you the coverage you need at the rates you want.

Keep reading to learn how you can protect your motorcycle and obtain affordable motorcycle insurance with Harley Davidson Insurance.

If you can’t wait to get Harley Davidson Insurance quotes, enter your ZIP code to receive free motorcycle insurance quotes from a variety of companies.

What coverages does Harley Davidson Insurance provide?

If you’re looking to be protected by a reliable motorcycle insurance company, Harley Davidson Insurance could be just the company you’re looking for.

This company provides insurance in every state except Alaska or Hawaii, and if you were to purchase a policy from Harley Davidson, you would be able to access basic coverages like 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, and medical expenses.

Along with these standard coverages, you are also able to purchase extra coverage as well if you wanted to make sure that you had more than enough protection.

Optional Coverages

Harley Davidson provides great optional coverages like:

  • Vacation rental coverage
  • Bike replacement coverage
  • Harley Davidson roadside assistance

If you were to add vacation rental coverage to your motorcycle policy, you would be able to extend your coverage  to a motorcycle you rented. That means if you lived in Pennsylvania but were visiting family in Texas, you could rent a motorcycle and be sure that you were riding with the same protection you would have back at home.

Plus, if you were over 100 miles away from your home and happened to get into an accident, this coverage could cover expenses like food and lodging. If you love to take long road trips on your bike, paying for this extra coverage could be well worth it.

In addition to vacation rental coverage, you could also buy bike replacement coverage if you so chose and could be reimbursed for the total cost of your motorcycle if it was totaled without taking depreciation into account. This optional coverage could be a smart investment if you are considering buying a brand new motorcycle.

Any motorcyclist could benefit from purchasing roadside assistance from Harley Davidson Insurance. When you’re on the open road, anything can happen but when you have roadside assistance at least you know that you can get access to fluid replenishment, a jump-start for your battery, or even tire replacement if you ever need it.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

What types of motorcycles are covered under a Harley Davidson policy?

No matter what you ride, Harley Davidson has a policy for you. If you’re worried that your ride might not be covered by this company, just take a look at this list of covered bikes:

  • Standard
  • Cruiser
  • Touring
  • Sportster
  • Street rod
  • Softail
  • Dyna
  • S series
  • Sport touring
  • Sportbike
  • Trike
  • CVO
  • V-Rod
  • Dirt bike
  • Dual purpose
  • Scooter
  • Moped
  • Autocycle

As you can see, Harley Davidson has a policy for every motorcycle rider. Hopefully, you’ll never have to call on Harley Davidson’s services, but if you are in an accident, how can you actually make use of your insurance coverages?

How can motorcyclists file a claim with Harley Davidson?

Let’s say that you ran over a nail while you were out for a ride and didn’t have anything to patch it with. If you had roadside assistance added to your insurance policy, you could file a claim, and have your tire replaced. You would be able to get the Harley Davidson Insurance claims process started by calling the Harley Davidson insurance phone number or by using your Harley Davidson Insurance login to start the claim process online.

You should also know that Harley Davidson Insurance is underwritten by the Sentry Insurance Group. This means that when you file a claim, Sentry is actually responsible for cutting you a check, but the good news is that AM Best gave this company an A+ rating so you won’t have to worry about being reimbursed.

Now, remember, if you were in an accident that you didn’t cause, you should get the other driver’s insurance information. You will also need the driver’s full name. While you should let your insurance company know that you were in an accident, if you were clearly not the one responsible for causing any damage, you would file a claim with the other driver’s insurance company.

This keeps your claim history clean and can get you the money you need to fix your motorcycle and also pay off any medical bills you accrue if you were injured in the crash.

How much does Harley Davidson Insurance cost?

On average, a motorcycle insurance policy with Harley Davidson Insurance costs $313 per year; however, no two motorcyclists will have the same rate as a lot of personal data is needed to produce a unique rate. If you’re curious as to how much you may pay for your coverage, consider getting insurance quotes online.

If you want motorcycle insurance quotes, Harley Davidson Insurance allows motorcyclists to get quotes directly from the company website, and you can compare companies’ motorcycle insurance rates to Harley Davidson Insurance rates when you shop online as well.

It’s a good rule of thumb to gather at least 5 insurance quotes before you sign anything on the dotted line too.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

Does Harley Davidson offer discounts on its coverage?

When you buy an insurance policy with Harley Davidson Insurance, you’ll have plenty of opportunities to save money on your insurance coverage. This company works to make coverage affordable for every rider, no matter their budget, by offering discounts like these:

Discount TypeHow To Get It
New bikeReceive this discount when you insure a new motorcycle
H.O.G. memberBecome a member of the Harley Owners Group (H.O.G.).
Motorcycle endorsementThe more longer you've ridden a motorcycle, the greater your discount will be
H-D Riding AcademyCompleting the H-D Riding Academy New Rider Course
HomeownerOwn a home that is insured by any company
Prompt payerMake your policy payments on time
Claim-free renewalHave no accidents on your record at the time of your policy renewal
MulticycleInsure multiple motorcycles with Harley Davidson
LoyaltyHave a Harley Davidson insurance policy for more than one year
Get Your Rates Quote Now

Compare RatesStart Now →

No matter what you ride, you should also set aside time to review your policy. Doing so will allow you to make sure that you have every discount that you qualify for applied to your policy so you can spend less money on your rates and save more of it for your next adventure.

Harley Davidson Insurance: What You Need to Know

Whether you ride a moped or a standard motorcycle, Harley Davidson Insurance can get you the coverage you need as long as you live in any state but Alaska or Hawaii. Harley Davidson Insurance offers great additional coverages that can keep you protected while you’re on vacation and allows you to make a claim in a manner that’s convenient for you — whether that’s calling in and speaking to a representative or doing so online.

If you’re not sure if this may be the insurance company for you, check out free Harley Davidson Insurance reviews online. And remember, as long as you make your Harley Davidson Insurance payment on time, you can earn yourself a discount.

Enter your ZIP code to find out how much you can save with Harley Davidson Insurance and get free quotes from insurance companies near you today.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption