Harley Davidson Motorcycle Insurance Review 2025

Our Harley Davidson Insurance Company Score 

3.5 Stars

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We award Harley Davidson Insurance a final rating of 3.5 out of 5 stars. All of Harley Davidson Insurance's underwriters have outstanding ratings by AM Best for financial strength, and the insurance company itself has an excellent rating by the Better Business Bureau (BBB). 

Harley Davidson offers much lower-than-average rates for its motorcycle insurance, along with numerous discounts to help make coverage affordable for everyone. The carrier also offers 24/7/365 claims reporting and generous phone customer service availability. 

However, there's a concerning volume of negative customer feedback against the insurance company, and the carrier does not appear to have a social media presence. Coverage is also not available in two states or Washington, DC. But overall, Harley Davidson Insurance offers quality motorcycle insurance products and excellent optional coverages.

Harley Davidson Insurance Company Pros and Cons:

Pros:	Cons:
All underwriters are rated "A+" (superior) by AM Best	Does not offer trailer coverage
Rated "A+" (excellent) by the BBB	Can't bundle motorcycle insurance with home or auto policies
Offers coverage for specific types of motorcycles	Does not offer coverage in AK, HI, or Washington DC
Great coverage add-ons	Large volume of negative customer feedback
Several discounts offered
Offers coverage for equipment and custom parts
Offers 24/7/365 claims reporting

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

Harley Davidson Insurance Products by Type

Harley Davidson specializes in motorcycle insurance. The carrier offers motorcycle coverage for the following types of motorcycles:

Personal motorcycle insurance

Your independent insurance agent can help you find more information about the coverages offered by Harley Davidson and help you decide if this insurance company is right for you.

Harley Davidson Insurance Motorcycle Insurance

Harley Davidson Insurance offers personal motorcycle insurance policies that include all the standard protections you'd expect to find, as well as some extras.

Coverage types, features, and benefits:

Guest passenger liability

Harley Davidson's guest passenger liability coverage can pay for medical treatments for your passengers who suffer bodily injuries after an accident you're at fault for.

Roadside assistance

Harley Davidson offers 24-hour roadside assistance and towing services coverage that can also pay for flat tire changes, lost keys or lockout services, battery failure services, and fuel services.

Optional equipment coverage

Harley Davidson offers optional equipment coverage that protects a motorcycle's extra equipment that's not factory standard.

Vacation rental coverage

Harley Davidson offers coverage for rental motorcycles from licensed facilities and dealers.

Bike and optional equipment replacement cost coverage

Harley Davidson offers coverage to fully replace your bike and optional equipment if it's declared a total loss.

Rental reimbursement coverage

Harley Davidson offers coverage for riders whose motorcycles become inoperable after an accident to pay for temporary transportation if the bike is typically their main method of transportation.

Harley Davidson Insurance Motorcycle Insurance Average Prices

DID YOU KNOW?

Harley Davidson offers motorcycle insurance for a low monthly average rate of just $24. These rates are 29% lower than the current national average.

What Discounts Does Harley Davidson Offer?

Harley Davidson offers a generous list of competitive discounts on its motorcycle insurance. These include:

• New bike discounts: Offered to customers who insure newer motorcycles.
• H.O.G. member discounts: Offered to customers who are members of the Harley Owners Group.
• Motorcycle endorsement discounts: Offered to customers who have motorcycle endorsements on their licenses after completing an approved riding class.
• Experienced rider discounts: Offered to customers who have more experience in riding motorcycles.
• H-D Riding Academy discounts: Offered to customers who complete the H-D Riding Academy New Rider Course.
• Homeownership discounts: Offered to customers who own a home.
• Prompt payer discounts: Offered to customers at the time of policy renewal if they've made every premium payment on time.
• Claim-free renewal discounts: Offered to customers at the time of policy renewal if they've remained accident-free.
• Bundled protection discounts: Offered to customers who have other Harley Davidson insurance policies.
• Loyalty discounts: Offered to customers who add a second motorcycle to their policies or who have been customers for at least a year.
• Multicycle discounts: Offered to customers who insure more than one bike through Harley Davidson.
• Anti-theft discounts: Offered to customers whose motorcycles have anti-theft alarms or other security devices equipped.
• Military and law enforcement discounts: Offered to customers who are active or retired military or law enforcement members.

Your independent insurance agent can help you find even more information about discounts offered by Harley Davidson and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.

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Harley Davidson Customer Service

The best way to ensure a smooth customer service experience is to work with an independent insurance agent. These agents can help handle claims and other concerns for you so you can relax and enjoy your coverage.

Harley Davidson Insurance FAQs