Harley Davidson Insurance: What You Need to Know

Now matter what you ride, if you need to buy motorcycle insurance, Harley Davidson Insurance could be a great choice for you. Policies cost, on average, $26/month, and can keep you safe wherever you decide to take your bike for a spin. A well-known motorcycle insurance company, Harley Davidson Insurance is underwritten by the Sentry Insurance Group, an A.M. Best A+ rated company, so you can be assured that even substantial claims could be paid out to you.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 10, 2022

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The Highlights

  • Harley Davidson Insurance provides standard plus optional coverages for motorcyclists
  • You can get coverage for many different types of motorcycles with Harley Davidson Insurance
  • You can get many discounts with Harley Davidson Insurance

As a motorcyclist, you know that there’s nothing quite as important as being knowledgeable about motorcycle safety, but your insurance education is just as important. Knowing where to get the best insurance for your needs is key if you want to secure maximum protection whenever you go out for a ride in the city or the countryside.

Thankfully, if you’re looking to buy motorcycle insurance, Harley Davidson Insurance can help you get the coverage you need to not only be street legal but protected against all manner of damages as well.

If you’re worried that purchasing motorcycle insurance will be too expensive, think again. Driving without insurance can result in consequences that are far more costly than paying for an insurance policy. Of course, if you are on a budget and need affordable motorcycle insurance, Harley Davidson Insurance can provide that for you as well.

Read on to learn more about Harley Davidson Insurance and how you can get great coverage with this company.

You can see how Harley Davidson Insurance stands up to the competition when you enter your ZIP code and get free motorcycle insurance quotes sent directly to you.

Does Harley Davidson Insurance provide good coverage options?

If you want the best motorcycle insurance, then doing business with a stalwart motorcycle insurance company like Harley Davidson Insurance may be a great choice for you. However, if you live in Hawaii or Alaska, you will not be able to get motorcycle insurance quotes from Harley Davidson Insurance as the company doesn’t do business there currently.

Now, a Harley Davidson motorcycle policy can provide you access to coverage that every motorcyclist should have. These coverage types include:

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

You should also note that these standard coverages aren’t the only form of protection you can purchase from Harley Davidson. If you like to mitigate as much risk as possible whenever you go out for a ride, you can choose to add vacation rental coverage, bike replacement coverage, and Harley Davidson roadside assistance to your policy.

With vacation rental coverage, if you are in a new area and want to see the sights but don’t have your motorcycle, you can use your coverage to protect any motorcycle you rent. For example, if you were to fly to Colorado from Maine, you wouldn’t have to miss out on taking a motorcycle tour. You could always rent a motorcycle in Colorado, and your policy would give you the same amount of coverage as it would back home in Maine.

Harley Davidson’s vacation rental coverage is actually quite extensive. You see, even if you aren’t out of state but still more than 100 miles away from home, you could use this coverage to cover expenses like food and lodging if you were to be in an accident.

Now, if you were to buy bike replacement coverage, you may be able to have more peace of mind while out on the road because, with this coverage, you can be reimbursed for the original total cost of your motorcycle if it happens to be totaled in an accident. This means that no matter if you bought a bike yesterday or five years ago, this coverage could still make you financially whole after experiencing a total loss.

It’s also in every motorcyclist’s best interest to have some sort of roadside assistance available to them, and with Harley Davidson Insurance’s roadside assistance coverage, you can get access to fluid replenishment, a battery jump-start, or even tire replacement should you ever need some help while cruising toward your next adventure.

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What kind of motorcycle does a Harley Davidson policy cover?

When it comes to providing great coverage, Harley Davidson doesn’t discriminate. You can purchase a policy from this reputable company no matter what type of motorcycle you own. You can take a look at some of the many different types of motorcycles that Harley-Davidson extends coverage to here:

Covered Motorcycle Types and Examples of Each
Standard - Triumph Street Twin, BMW R nineT
Cruiser - Yamaha V-Max power cruiser, Moto Guzzi California Jackal
Touring - Indian Challenger, Harley-Davidson Road King
Sportser - Harley-Davidson Sportser S
Street rod - Harley-Davidson Street Rod 750
Softail - Harley-Davidson Softail Standard, Harley-Davidson Softail Slim
Sport Touring - Kawasaki Concours 14/1400GTR, Honda ST1300
Trike - Harley-Davidson Tri Glide Ultra, Can-Am Spyder
V-Rod - VRXSE V-Rod Destroyer, VRSCR Street Rod
Dirt bike - Yamaha TTR230, Honda CRF250F
Dual purpose - Suzuki DR-Z400SM, Kawasaki KLR 650
Scooter - GTS Super 300, Vespa Sprint 50
Moped - Jonway MC_50CRP Moped, 250cc Trike Chopper Road Warrior Moped
Autocycles
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As illustrated by this data table, riders who like zipping through a city to get a cappuccino on their moped to those who love kicking up some dirt offroad can get a policy with Harley Davidson Insurance. Now that you know what Harley Davidson Insurance covers and what kinds of coverage it offers, you should know what to do if you ever experience vehicular trouble.

Is it easy to file a claim with Harley Davidson Insurance?

Thankfully, if you were to ever be in an accident while riding your motorcycle, filing a claim with Harley Davidson Insurance is very simple. You can call the Harley Davidson Insurance phone number or use your Harley Davidson Insurance login to contact the claims department and start the process of being reimbursed for your loss.

You also don’t have to worry that Harley Davidson Insurance won’t be able to pay out a substantial claim, as it is underwritten by the Sentry Insurance Group. It may seem odd that Sentry is actually the entity responsible for providing you with the funds you need. However, A.M. Best awarded this company an A+ rating, which means that you can rest easy knowing that you’ll be able to get the funds you need when you need them.

Does Insurance for a Harley Davidson cost a lot of money?

The average motorcycle insurance rates for Harley Davidson Insurance tend to run about $26 per month. Now, bear in mind that every insurance company has its own underwriting process that it adheres to, so it could be highly beneficial for you to get at least three free insurance quotes online and compare each one before you put any money down.

If you do decide to work with this company, you’ll find that customer convenience is taken seriously. You can make your Harley Davidson insurance payment online through the company website or via the mobile app.

It’s also important to note that purchasing a policy from Harley Davidson Insurance opens up many money-saving opportunities. You could potentially take advantage of quite a lot of discounts like:

  • Military/law enforcement
  • Anti-theft
  • Bundled and multi-cycle protection
  • Loyalty
  • Prompt payer
  • Claim free
  • H-D riding program
  • Homeowner
  • Experienced rider
  • Motorcycle endorsement
  • Harley Owners Group member
  • New bike

Even with this impressive list of discounts, if you’re still not sure if Harley Davidson Insurance is the right insurance company for you, you can always read Harley Davidson Insurance reviews online to learn more.

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Harley Davidson Insurance: The Bottom Line

If you live in any state besides Alaska or Hawaii, you can purchase Harley Davidson Insurance to protect your moped, cruiser, or sportser, among other types of motorcycles. This company has been in business for years and provides excellent coverage that can keep you safe when you’re just driving down the road or are miles away from home.

Hopefully, you’ll never need to use your coverage, but if you do need to file a claim, you can call customer service directly or file online.

You don’t have to wait to start comparing Harley Davidson Insurance quotes. Enter your ZIP code to get free quotes from insurance companies near you today.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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