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MOTORCYCLE INSURANCE COVERAGE TO MEET YOUR NEEDS

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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.

INSURANCE COVERAGE FOR YOU AND YOUR BIKE

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GUEST PASSENGER LIABILITY

Our Uninsured Rider Coverage is your shield on the road, providing essential protection for riders without insurance.

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BODILY INJURY LIABILITY

Our Liability Coverage is your assurance on the open road, offering protection against unexpected events.

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PROPERTY DAMAGE LIABILITY

Our Comprehensive/Collision Coverage is your shield against the unexpected twists on the road.

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COMPREHENSIVE COVERAGE

Our Uninsured Rider Coverage is your shield on the road, providing essential protection for riders without insurance.

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COLLISION COVERAGE

Our Liability Coverage is your assurance on the open road, offering protection against unexpected events.

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ROADSIDE ASSISTANCE

Our Comprehensive/Collision Coverage is your shield against the unexpected twists on the road.

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OPTIONAL EQUIPMENT COVERAGE

Our Uninsured Rider Coverage is your shield on the road, providing essential protection for riders without insurance.

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VACATION RENTAL INSURANCE

Our Liability Coverage is your assurance on the open road, offering protection against unexpected events.

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BIKE REPLACEMENT COST

Our Comprehensive/Collision Coverage is your shield against the unexpected twists on the road.

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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.

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

HOW TO GET A QUOTE

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Have information about yourself and your bike[s] ready.

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Select coverage options.

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Review quote.

Get A Quote

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

MOTORCYCLE INSURANCE COVERAGE FOR A VARIETY OF MOTORCYCLE TYPES

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Cruiser
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Sport Bike
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Touring
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Trike
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Scooter
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Electric

Additional bike types covered: Standard, CVO®, Sportster®, Sport Touring, Dirt bike, Street Rod®, V-Rod®, S Series, Dual Purpose, Softail®, Autocycle, Dyna®

MORE WAYS WE SERVE YOU

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H-D™ PROTECTION PRODUCTS

Ask your Harley-Davidson® dealer about Extended Service Plans, Theft, Planned Maintenance, Appearance Protection, and other Harley-Davidson.

View Protection Products
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HARLEY-DAVIDSON® VISA

Choose the Harley-Davidson® card that is right for you. With benefits inspired by riders for riders, you also earn points on eligible purchases that can be redeemed for H-D™ apparel, parts, service and more.

Learn More
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BIKE LOANS

Get flexible rates, terms, and financing options designed for H-D™ motorcycle owners. Military and H-D Riding Academy New Rider Course graduate financing programs are available as well through Harley-Davidson® Financial Services.

Apply Today

ACCIDENT FORGIVENESS

At Harley-Davidson® Insurance Services, we believe in giving riders a break.

Here’s how it works:

  • All new policies qualify

  • Policy must be in place at least 12 months before an accident can be forgiven (at next renewal)

  • There are no other waived accidents on the policy for that policy term

Call one of our licensed agents for more details.

FAQ

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

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.

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.

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.

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.

Roadside Assistance is an available add-on coverage option for all policyholders, providing emergency service to your motorcycle due to battery failure, flat tire, lock-out, or mechanical or electrical breakdown. You’ll also be covered for immediate need of fuel, oil, fluid, or water, along with towing services to the nearest qualified service facility if required. Learn more.

Have Questions About Our Coverages?

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