Protect your bike now, with the coverages you want.
Call Us
Back to coverages

Sport Motorcycle Insurance

There are many popular Harley-Davidson® sport bikes, including the Sportster® S and Nightster® but you’ll need motorcycle insurance no matter what sport motorcycle brand or model you ride.

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

Besides Harley-Davidson® sport bikes, below is a sample of other common sport motorcycle brands that we insure:

  • Suzuki
  • Yamaha
  • Honda
  • Kawasaki
  • Ducati

Getting a free online quote now is straightforward too. Simply enter your details and get your sport motorcycle insured for as little as $12.50 per month!

Need more information before starting a quote? We get it. With so many different coverage options, it takes time to know where to begin. Plus, the rules per state can make things confusing.

We’ll make sure you know everything about the different insurance plans available to you so that you can choose the best option.

What is a sport bike?

A sport bike is a type of motorcycle designed and optimized for acceleration, speed, cornering, and braking with asphalt and concrete roads or race tracks in mind. 

Out of all road-legal motorcycles available, sport bikes are considered the fastest. They tend to be made with lightweight frames, typically aluminum and other lightweight materials. This boosts their side-to-side maneuverability. 

Although most sport bike manufacturers concentrate on high speeds and fast acceleration, some sub-categories of sports motorcycles are available. A good example here is sport touring bikes, which are designed for longer trips.

Do you need to insure your sport bike?

The short answer to this question is YES. While insurance laws change depending on your state, most have a legal requirement to take out liability insurance to operate your sport bike lawfully on the road.

At Harley-Davidson Insurance Services, we’ll match you with the appropriate insurance coverage based on your sport bike and the legal requirements in your state, so you have  peace of mind.

Liability coverage is the bare minimum requirement in most states

Liability insurance is designed to provide you financial protection if your sport bike causes damage to another person or their vehicle. This is the basic minimum insurance you’re required to have in most states.

However, the extent of coverage will be subject to the policy limits vs. the amount of damage.

It’s well worth considering a more inclusive plan so that you may be insured if an unexpected incident happens. There are many ways to add extra protection from theft and collision to medical payment coverage.

Different types of sport bike insurance coverage

With Harley-Davidson® Insurance, we have made it easy to find the right sport bike insurance plan for you, as we have a broad range of coverages and add-ons available. Some of our most popular options include:


Bike Replacement Cost

Bike replacement cost

You can benefit from Replacement Cost coverage if your sports bike is beyond repair and deemed a total loss. While many firms only offer replacement costs based on depreciation, this coverage will replace your bike at its full value.

This coverage is available when your motorcycle has not been previously owned at the time of your purchase and is a current model year or one year older than that.

Icon of a shield with a check mark on it

Comprehensive coverage

Comprehensive coverages ensures protection for damage to your bike from a wide range of causes including vandalism, fire, and theft.

Motorcycle helmet

Accessories insurance coverage

Accessories coverage protects custom or additional parts and accessories added to a motorcycle that are not factory standard as defined by the VIN (Vehicle Identification Number).

This protects against damage or theft and covers the cost of repair or replacement without requiring the policyholder to bear the full financial burden themselves.

Some insurance companies may title this accessories coverage ‘Optional Equipment’.


Full cost optional equipment replacement

Customizing your sport bike to add value differs from personalizing it for comfort.  Optional Equipment Replacement coverage provides financial protection from the cost of damaged optional equipment added to a motorcycle, including high-performance parts, chrome accents, and aftermarket exhaust systems.

If the equipment is damaged or destroyed in the same event that results in the motorcycle being a total loss, the policyholder will receive full compensation to replace it.

How much will it cost to insure your sport bike?

The cost of your insurance policy will differ based on the type of sport bike you ride and several other factors.

Factors influencing sport bike insurance cost

  • Bike type - The make, model, and type of sport motorcycle you have may impact your insurance cost. The age of your bike also plays a role. 
  • Your location – Where you reside will have an impact on your motorcycle cost as well.

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

Tips when taking out sport bike insurance

Before you take out your sport motorcycle insurance plan, we’ve got a few tips to help you find the appropriate policy for your needs:

  1. Pay annually instead of per month - While paying every month is tempting, we’d recommend paying in full for the year if you can afford it. Many insurance providers offer discounts for those who pay up front. 
  2. Disclose any modifications you’ve made - If you have modified or enhanced your bike’s engine or any other elements of your bike, it should be disclosed during the quote process.
  3. Have all the relevant information about your bike ready - Make sure you have all the details about the make, model, year, and modifications relating to your bike. This will ensure you receive an accurate quote.
  4. Discover whether you qualify for any insurance discounts - From taking a safety course to being eligible for a military discount, there are numerous ways to reduce insurance costs.

Why pick Harley Davidson® Insurance for sport bike insurance?

There are many reasons why Harley-Davidson® Insurance makes sense - even if you’re not riding a Harley-Davidson® motorcycle:

Icon of wrenches

We provide insurance for most motorcycles not only Harley-Davidson® bikes.

Icon of a dollar sign with a circle around it

We offer many discounts.

From completing a safety course and military/law enforcement discounts to multi-bike discounts, you can save in multiple ways with Harley-Davidson Insurance Services.


We write insurance in 48 states.

We cannot provide insurance in Alaska, Hawaii, or Washington, D.C. However, you'll be insured if you reside in any other state but want to use your sports bike in one of these states.

Motorcycle icon

We provide motorcycle accident forgiveness.

If you’re involved in an incident, it will not automatically result in a rise in your insurance premiums.

Mistakes to avoid when selecting sport bike insurance

If you’re looking for a sport bike insurance plan, here are four things to avoid:

  • Lying on your insurance application - Even a little white lie could cost you a lot of money in the long run. After all, if you're found to be untruthful, your entire policy could become invalid.

Myths about sport bike insurance

Sadly, there is a lot of misinformation on the Internet about sport bikes and their available insurance options. Let’s clear up some of the most common myths.

  • Myth 1 - Your car insurance will cover your sports motorcycle. 
  • Myth 2 - Minimum liability insurance is all you need to cover all possibilities.

FAQ about sport bike insurance

  • How much does sport motorcycle insurance cost?

    The cost of sport motorcycle insurance varies based on several factors, such as the motorcycle's make and model, location, age, driving history, and coverage options selected.

    It is recommended to contact an insurance provider to get an accurate quote for your specific situation.

  • Can I get insurance for a custom or modified sport motorcycle?

    Yes, you can get insurance for a custom or modified sport motorcycle.

    Many insurance companies offer coverage for customized bikes and aftermarket parts. However, the cost may vary depending on the extent of the modifications.

    It's best to contact an insurance provider to get a quote and determine the best coverage options for your customized sport motorcycle.



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 Cruiser


A popular type of motorcycle known for its V-twin engine and full-view design.

Learn more

Harley Davidson Bike Icon Electric

Electric bikes

Powered by electric motors and batteries instead of traditional gasoline engines.

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.
Get a free quote
Save on your Insurance