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Motorcycle insurance coverage to meet your 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.

Motorcycle insurance coverage for 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.

You can learn more about these and our other motorcycle insurance coverage options below. And feel free to explore the site. No matter what bike you ride, we’re sure you'll find that we offer great value and flexible coverage.

Have questions about our coverages? Contact us today.

Insurance coverages for you and your bike

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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.

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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
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Property Damage Liability

If an at-fault accident causes damage to another person’s property, this Harley-Davidson Insurance coverage can help protect you.

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Comprehensive coverage

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.

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Collision coverage

Collision provides the extra coverage you might need to pay for damages when your motorcycle hits—or is hit by—another object or vehicle.

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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)
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Optional Equipment coverage

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).

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Vacation Rental insurance

Want to rent a bike just for the fun of it? Get the same level of coverage on a rental motorcycle from a licensed facility or dealer as you would on your own bike with our Vacation Rental coverage.

Bike Replacement Cost

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.

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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.

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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.

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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.

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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.

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Rental Reimbursement coverage

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.

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Medical Expense coverage

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.

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Personal Injury Protection

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.


Enjoy the ride even more with affordable motorcycle insurance coverage that protects you and your bike. Call our licensed advisors who will personally ensure that you get the best possible value: 800-909-8393

Commonly asked motorcycle insurance coverage questions:

  • What’s included in a full-coverage motorcycle insurance policy?

    The primary feature of a full-coverage motorcycle insurance policy is the inclusion of collision and comprehensive insurance. These policies also have all of the coverages required by your respective state which may include:

    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Personal injury protection coverage

  • How much does full motorcycle insurance coverage cost?

    The cost of a motorcycle insurance policy will depend on a variety of factors which include:

    1. Driving record
    2. Age
    3. Type of motorcycle
    Full-coverage motorcycle insurance is typically more costly than a basic policy with just liability insurance.

  • What factors should I compare to get the best value?

    To properly compare motorcycle policy coverage side by side, the most important variables to ensure are the same include: deductibles, coverage limits, and any optional coverages.

    Generally, a higher deductible can translate to a lower premium.

    Similarly, the lower the limit chosen for certain coverages, the lower the policy premium.

  • Does my motorcycle policy cover me to ride other bikes?

    It depends. If you are riding a rental, parts or all of your motorcycle insurance coverage may apply. If, however, you are riding a bike you own or regularly use that is not included in your policy, your insurance coverage might not apply. As a result, it is best to check your policy contract for specific details.

  • If I buy motorcycle insurance, when does my coverage begin?

    When getting your motorcycle insurance quote, you can specify the desired effective date for your policy.

    Previously insured? Avoid a lapse in coverage by ensuring your previous policy’s end date is on or after your new policy coverage’s start date.

*Coverages and requirements vary by state. See your policy for complete coverage details.

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