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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:

  • Standard
  • Cruiser
  • Touring
  • Sportster®
  • Street Rod®
  • Softail®
  • Dyna®
  • S Series
  • Sport touring
  • Sport bike
  • Trike
  • CVO®
  • V-Rod®
  • Dual purpose
  • Scooter/moped
  • Autocycle

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 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.


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.


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 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

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.

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.

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