Motorcycle Insurance to Meet Your Coverage Needs
Now you can give your motorcycle the very best protection, designed with the unique concerns of H-D® motorcycle riders in mind. With Harley-Davidson® Insurance, you can choose from a wide range of coverages to find the best policy for your motorcycle.
Harley-Davidson® Insurance Services can provide you with great protection and exceptional customer service. If you have a claim, knowledgeable representatives who know Harley-Davidson® motorcycles are ready to help you.
We insure a variety of motorcycle types:
We'll work with you to help find the coverages that meet your needs. Those additional accessories you've added to your bike? We offer coverage for that. Want help with medical expenses you or your passenger incurred in an accident? We offer that, too. Stuck on the side of the road with a flat tire? You guessed it—we'll be there for you with 24-hour Roadside Assistance coverage.
Coverages for You and Your Bike
Bodily Injury Liability
When an at-fault accident results in injury or death to others, Bodily Injury Liability coverage can help protect you. This coverage can pay for expenses such as:
- Lost wages
- Pain
- Medical expenses
- Suffering
- Death
Guest Passenger Liability
At Harley-Davidson® Insurance Services, we believe in the value of riding with friends and family. But we also know that, unfortunately, accidents happen. With Guest Passenger Liability, your passenger will receive coverage for bodily injuries sustained on your bike when the operator is at fault.
Property Damage Liability
If an at-fault accident causes damage to another person's property, this Harley-Davidson® Insurance coverage can help protect you.
Comprehensive
You want to protect your motorcycle from damages not covered by collision, such as theft, fire, or vandalism. With Comprehensive coverage, you'll be prepared for the unexpected.
Collision
Collision provides the extra coverage you might need to pay for damages when your motorcycle hits—or is hit by—another object or vehicle.
Roadside Assistance
We get it—not every motorcycle ride goes smoothly. Mechanical or electrical breakdowns can happen, and you'll need help. You can get 24-hour towing and roadside service with Harley-Davidson® Insurance Roadside Assistance coverage for the following situations:
- Fluid shortage (fuel, oil, water)
- Battery failure
- Lock-out (lost key)
- Flat tire(s)
Optional Equipment
At Harley-Davidson® Insurance Services, we want to help you protect the investments you've made in modifying your bike. Our Optional Equipment coverage protects equipment on your bike that is not factory standard. Your bike's manufacturer defines equipment as standard by the Vehicle Identification Number (VIN).
Vacation Rental
When you ride your bike more than 100 miles from your home, you may not be fully covered by a standard policy. However, Vacation Rental coverage applies if you have a motorcycle accident far from home. This coverage may pay for eligible expenses such as food, lodging, lost deposits, transportation, and towing costs. There may also be additional coverage provided for damaged safety apparel.
Bike Replacement Cost
If your motorcycle is a total loss, you can get it replaced—and not at the depreciation value—with Replacement Cost coverage from Harley-Davidson®.
Optional Equipment Replacement Cost
If your motorcycle is a total loss—and your optional equipment also needs to be replaced—you're covered for the replacement cost of that equipment with Optional Equipment Replacement Cost coverage.
Uninsured Motorist Bodily Injury
Uninsured Motorist Bodily Injury coverage from Harley-Davidson® Insurance helps pay for bodily injuries you suffer in an accident in which the owner or operator of an uninsured motor vehicle is at fault.
Underinsured Motorist Bodily Injury
Underinsured Motorist Bodily Injury coverage may provide coverage for your bodily injury damages if you're involved in an accident in which the at-fault operator carries insufficient insurance.
Uninsured Motorist Property Damage
This coverage provides protection for your insured motorcycle when it's damaged as a result of an accident in which an uninsured operator is at fault.
Underinsured Motorist Property Damage*
If you're involved in an accident in which the at-fault operator doesn't carry enough insurance to cover the damage to your motorcycle, our Underinsured Motorist Property Damage may provide additional coverage for damage to your motorcycle.
Rental Reimbursement
Is your motorcycle your only mode of transportation? How will you get around if it's undriveable due to an accident? With Rental Reimbursement coverage from Harley-Davidson® Insurance, we'll pay for eligible transportation expenses in qualifying circumstances.
Medical Expense
The coverage is in the name—if you're in an accident, our Medical Expense coverage can help both you and your passenger with medical expenses.
Medical Expense
Personal Injury Protection provides coverage for medical expenses, up to a specified limit, for the insured or any other eligible person as the result of an accident—regardless of who was at fault. This usually includes coverage for non-medical expenses, such as wage loss and death benefits. Coverage availability is limited in some states. Your options will be explained during the quote process.
*Coverages and requirements vary by state. See your policy for complete coverage details.
- Get a Quote
- From Bayside Harley-Davidson®
- or
- Call 1 (866) 801-9186
- Have a claim
Our Motorcycle Insurance Discounts
When it comes to your bike, you want quality, affordable motorcycle insurance that's backed by quality service and support. Welcome to Harley-Davidson® Insurance Services. We provide the best motorcycle insurance for your ride, offering money-saving discounts on our already competitive rates.
You can save in multiple ways with Harley-Davidson® Insurance Services. We provide discounts for multiple bikes, prompt payment, rider group membership, and even a loyalty discount. Get the discounts you've earned!
How much is motorcycle insurance? Get a motorcycle quote and see what discounts you may qualify for.
Some of the Ways You Can Save
New Bike
If you decided to ditch the used bike for the shiny, brand new bike, you'll save some money with our new vehicle discount.
Prompt Payer
If you make all of your payments on time, you just found an easy way to save on your cycle insurance when you renew your policy.
Multi-Cycle
Own more than one motorcycle? Look who's living the good life. And now you benefit even more with a multi-cycle discount when insuring more than one bike with us.
H.O.G.® Member
Are you a member of the Harley® Owners Group® (H.O.G.®)? Then you get a special discount with us. It's that simple. There are more good reasons to be a H.O.G.® member.
Claim-Free Renewal
We want all riders to be safe. When you renew your Harley-Davidson® Insurance policy, we'll give you a discount if you weren't at fault for any accidents during the previous policy period.
Motorcycle Endorsement*
If you have a motorcycle endorsement on your driver's license from completing an approved riding class, you may qualify for a discount.
Experienced Rider
So you've been in the game for a while. We appreciate that. That's why we offer a discount based on the number of years of experience you have as a licensed rider.
Home Ownership
If you own a house, condo, townhouse, mobile home, or modular home—and it's insured—you might qualify for a home ownership discount on your bike insurance.
Anti-Theft
You don't want your bike to get stolen. We don't either. Get an anti-theft discount when you use theft-deterrent devices like an audible alarm or LoJack®.
Bundled Protection
Sometimes you need more coverage. Get a discount when you purchase additional Harley-Davidson® Insurance products, such as planned maintenance.
Loyalty
Adding a bike that is newer than your current one? Have you been a Harley-Davidson® Insurance Services customer for more than a year? If you said yes, save money with our loyalty discount.