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Cruiser Motorcycle Insurance

There are many popular Harley-Davidson® cruiser bikes, but you’ll need insurance no matter what cruiser motorcycle brand or model you ride.

That’s why Harley-Davidson® Insurance is available for virtually all cruiser makes and models—even customized motorcycles and motorcycles 25 years and older.

Besides Harley-Davidson® cruisers, below is a sample of other common cruiser brands that we insure:

  • Indian
  • Honda
  • Kawasaki
  • Suzukix
  • Triumph
  • Yamaha

Start your fast,free online quote now aand get touring motorcycle insurance for as low as $12.50 per month!

Need more information before starting a quote? We get it. With so many different insurance policies and coverages, it can take time to know where to begin.

Below, we will reveal everything you need to know about cruiser bike insurance so you can choose the perfect policy.

What is a cruiser bike?

A cruiser bike is one of the most popular styles of motorcycle.

Harley-Davidson has created a lot of different cruiser motorcycles, with some of the most loved models including:

  • Softail® Standard
  • Street Bob®
  • Fat Bob®
  • Low Rider®
  • Sport Glide®
  • Heritage Classic

The riding position tends to have the hands up and the feet forward, with the spine either leaning back a little bit or erect.

Typical cruiser motorcycle engines emphasize easy shifting and rideability, with a lot of low-end torque but not necessarily a lot of horsepower. Traditional cruiser bikes have V-twin engines, yet inline engines have become more popular.

It is possible to purchase a power cruiser with more horsepower, better suspension, and stronger brakes.

Do you need to insure your cruiser bike?

In the United States, most states require you have some form of insurance to ride your cruiser bike on the roads legally.

Of course, rules and regulations differ from state to state. Here at Harley-Davidson Insurance, we’ll ensure you have a policy that meets the requirements in your location.

Aside from the legalities, insurance for your cruiser bike is also imperative to ensure you’re covered if you’re ever involved in an unplanned incident. After all, if you’ve invested a lot of money and time into your cruiser motorcycle, you want to ensure this is covered if something that wasn’t your fault happens.

Liability coverage is the minimum legal requirement in most states.

In most states, liability coverage is required. This means your policy protects those you injure or property damages you cause due to an unforeseen incident. The amount the policy pays is partly determined by your policy limits and the amount of damage.

While this is the minimum requirement, you are encouraged to consider more coverages for better financial protection. Optional coverages include collision, comprehensive, and uninsured motorist coverage. We’ll get into each option in further detail later in this guide.

Different types of cruiser bike insurance coverage

With Harley-Davidson® Insurance, you can choose from a wide range of coverages to find the best policy for your cruiser. Some of our more popular coverages are:

Bike Replacement Cost

Bike replacement cost

If your cruiser motorcycle is a total loss, you can get it replaced—and not at the depreciation value—with Replacement Cost coverage from Harley-Davidson.  Bikes eligible for this coverage are those that have not been previously owned by anyone else and are a current model year or one year older.

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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 better prepared for the unexpected and your bike may be covered if there is any incident, whether it’s your fault or not.


Motorcycle helmet

Accessories insurance coverage

We offer motorcycle insurance protection for you and your bike, including optional equipment (aka ‘accessories’) and safety gear coverage.

Our Optional Equipment coverage protects against loss to the equipment on your bike that is not factory standard as defined by the Vehicle Identification Number (VIN).


Full cost optional equipment replacement

If your motorcycle is a total loss—and your optional equipment also needs to be replaced—you would be covered for the total value of that equipment with Optional Equipment Replacement Cost coverage.

How much will it cost to insure your cruiser bike?

The average cost of motorcycle insurance in the United States is $43 per month or $519 per year. However, this differs based on your bike type and several other factors. 

Factors influencing cruiser bike insurance cost

  • Bike type - Your bike type may also influence the insurance cost. We’re not only talking about whether you have a cruiser bike or another type of bike. Brand-new motorcycles typically cost more to insure than used motorbikes.
  • Your location - Average costs differ hugely based on your location. For example, the average motorcycle insurance premium in the District of Columbia is $1,404 per year. In Alabama, the average is over $1,000 less at $369 per year.

Icon of a dollar sign with a circle around it   Learn more about our money-saving discounts on motorcycle insurance.

Tips when taking out cruiser bike insurance

When looking for cruiser bike insurance, there are a few things you can do to ensure an accurate and fair quote while insuring your bike in a suitable manner:

  • Pay annually if possible, to save money - If you can afford to pay your policy per year instead of monthly, you may want to do so. Most motorbike insurance companies will offer money-saving discounts if you pay upfront.
  • Add any possible drivers that may ride your cruiser bike - If anyone else is going to be regularly driving your cruiser, you’ll need to add them to your quote.
  • Know the year, model, and make of your bike for a more accurate quote - When applying for a quote, ensure you’ve got all the accurate information about the model, make, and year of your bike handy so that you can get an accurate quote.
  • Disclose any modifications or enhancements you’ve made to your bike - If you have modified or enhanced your bike’s engine or any other elements of your cruiser bike, disclose this. It’s essential to be honest; otherwise, your policy coverage could be invalidated. 
  • Understand different ways you can qualify for motorcycle insurance discounts - There are several ways that may reduce the cost of your policy; for example, you can add safety features to your bike or take an approved motorbike safety course.

Why pick Harley Davidson® Insurance for cruiser insurance?

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We can offer discounts for people who have completed approved motorcycle classes or safety courses, such as the Motorcycle Safety Foundation (MSF) Class.

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We have a huge assortment of motorbike coverage options, ensuring you have a policy that gives you peace of mind.

Motorcycle icon

One accident doesn’t mean your insurance rates will automatically increase, as we offer motorcycle accident forgiveness.


We write insurance in 48 states. We cannot provide liability coverage insurance policies in Washington D.C., Hawaii, or Alaska. However, you may be covered if you live in a covered state and ride in one of these areas.

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Several discounts are available, including multi-bike and military/law enforcement discounts.

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We insure most brands of motorcycles, not just Harley-Davidson® bikes. We also insure motorcycles 25 years and older and customized bikes too.

Mistakes to avoid when choosing cruiser bike insurance

If you’re looking for a cruiser bike insurance plan, don’t make the mistake of falling into one of these traps:

  • Twisting the truth - You should never twist the truth when applying for motorcycle insurance. You may assume this could result in a cheaper policy. However, it can also make your policy invalid, which can end up costing you a lot more money in the long run. 

Myths about cruiser bike insurance

While the Internet is filled with great information, it’s also true that anyone can put content out there, and this has meant that a lot of misinformation and myths have been born.

Let’s set a few facts straight about cruiser bike insurance:

  • Myth 1 - Automobile insurance will cover an unforeseen motorbike incident.
  • Myth 2 - You should cancel your motorbike insurance when you’re not riding, such as through the winter months.

FAQ about cruiser bike insurance

  • Are cruiser motorcycles the least expensive to insure?

    While Motorcycle cruisers' premiums tend to be lower to insure than sports motorcycles, ultimately the cost of your specific policy will be determined based on several factors. Here are just some examples:

    • age
    • gender
    • location
    • driving history

  • Do cruiser motorcycles get stolen?

    According to an industry study, cruiser-style motorcycles, especially smaller models, are not stolen as frequently as sports bikes.

    However, whether a bike is stolen is often opportunistic in nature. Taking steps to prevent motorcycle theft is the best approach for all types of bikes.

  • Is a cruiser motorcycle good for a long-distance journey?

    While a cruiser does typically have a comfortable riding position, smooth engines, and adequate storage capacity for touring, a touring motorcycle may likely be the best choice for a long-distance journey.

    However, it ultimately depends on individual preferences, needs, and the specific model's capabilities.

What types of motorcycles are covered with Harley-Davidson insurance

Harley Davidson Bike Icon Touring

Touring bikes

Designed to provide a comfortable experience for riders on long-distance trips.

Learn more

Harley Davidson Bike Icon Scooter


Small, lightweight vehicles that are designed for short commutes.

Learn more

Harley Davidson Bike Icon Sport

Sport bikes

Commonly referred to as street bikes, these are designed for speed and agility.

Learn more

All product names, logos, brands, and trademarks are property of their respective owners. All company, product, and service names are for identification purposes only. Use of any of the foregoing does not imply endorsement.
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