SMALL PHONE
PHONE
TABLET
DESKTOP
LARGE DESKTOP
XL DESKTOP
Home/
Coverages/
Trike Bikes

TRIKE INSURANCE

Female motorcyclist riding a trike bikeFemale motorcyclist riding a trike bike
circle arrow iconRetrieve A Quote
Table Of Contents
WHAT IS A TRIKE?DO YOU NEED TO INSURE YOUR TRIKE?DIFFERENT TYPES OF THREE-WHEELED INSURANCE COVERAGE
HOW MUCH WILL IT COST TO INSURE YOUR TRIKE?TIPS WHEN TAKING OUT TRIKE INSURANCEWHY PICK HARLEY-DAVIDSON® INSURANCE FOR TRIKE INSURANCE?FAQ ABOUT TRIKE INSURANCEWHAT TYPES OF MOTORCYCLES ARE COVERED WITH HARLEY-DAVIDSON® INSURANCE

Harley-Davidson® has three trikes in their model line-up. You’ll need insurance no matter what trike brand or model you ride.

That’s why Harley-Davidson® Insurance is available for virtually all trike makes and models. We even offer insurance for rare and custom trikes.

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

  • Can-Am

  • Honda

  • Piaggio

  • BMW

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

Need more information before you begin your quote? With many different insurance policies, 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.

Trike bike illustration

WHAT IS A TRIKE?

A trike motorcycle has three wheels (two in the rear and one in the front) instead of the traditional two.

A trike is typically heavier than a standard motorcycle weighing up to 700 lbs and boasting engines of 500cc and up.

Trike motorcycles are known for their long-distance riding comfort due to their upright riding position, storage capacity, and many opportunities to accessorize.

DO YOU NEED TO INSURE YOUR TRIKE?

In the United States, most three-wheeled motorcycles require the same minimum liability coverage as a two-wheeled motorcycle to ride legally. However, the specific rules and regulations will depend on your state.

No matter what the insurance laws are in your area, having trike insurance is a wise investment. Here at Harley-Davidson® Insurance, we’ll help ensure you have the right insurance plan that meets the requirements of your location.

What Is Liability Insurance?

Liability insurance can protect you up to the policy limits if you are found at fault for injuring another person or for damages to their property.

While this is typically the state’s minimum requirement, it is recommended to add optional coverage to be adequately insured. Options include collision, comprehensive, and uninsured motorist coverage.

Get A Free Motorcycle Quote

Learn more about our flexible coverage options.

Quote Now

DIFFERENT TYPES OF THREE-WHEELED INSURANCE COVERAGE

With Harley-Davidson® Insurance, we have many additional coverages available to find the best policy for your trike motorcycle. Some of our more popular coverages include:

Motorcycle and money icon

BIKE REPLACEMENT COST

Rather than a depreciated value, if your trike is declared a total loss, Bike Replacement Cost coverage could replace your trike at its full value.

Biker jacket

ACCESSORIES INSURANCE COVERAGE

This Optional Equipment coverage may protect you for costs associated with covered losses or damages to non-factory standard equipment that you have added to your trike.

shield with a motorcycle inside

COMPREHENSIVE COVERAGE

As the name suggests, comprehensive coverage may protect you from trike repair costs whether or not you are found at fault. This coverage also protects against unexpected damages such as vandalism, theft, and fire.

Group of parts and accessories

FULL COST OPTIONAL EQUIPMENT REPLACEMENT

If your motorcycle is a total loss and your optional equipment also needs to be replaced, you may be covered for the full value of that equipment.

HOW MUCH WILL IT COST TO INSURE YOUR TRIKE?

Research online will provide you with a wide range of potential insurance costs for your trike. Ultimately, your quote will depend on several different factors.

Factors Influencing Trike Insurance Cost

  • Age - Your age and how much experience you have on the roads can influence your quote.

  • Coverage type - Plans range from only liability to comprehensive coverage, with everything in-between. The more inclusive your insurance plan is the more expensive your insurance premium will be. 

  • Your driving record - If you do have any driving violations it can impact the insurance quote and policy price.

  • Where you’re based - Your location may be a factor.

  • What type of trike you have - The make and model, engine size, and year of your trike may influence your insurance cost.

  • Trike modifications you’ve made - If any modifications have been made to your trike, disclose this on your application as it can influence your insurance quote.

Motorcycle Insurance Discounts

Learn more about our money-saving discounts on motorcycle insurance.

Learn More

TIPS WHEN TAKING OUT TRIKE INSURANCE

We’ve helped many riders to get the insurance plan they need. Below are our top five tips to help you secure the right policy fit for your needs and save money.

  1. Add additional riders - If anyone else is riding your trike regularly you’ll need to disclose this while getting a quote.

  2. Pay yearly instead of monthly to save money - If you’re able to pay yearly instead of monthly, it’s a good idea to do so as many insurers will offer a discount.

  3. Find out if you qualify for any insurance discounts - You may be able to secure a discount if your bike has safety features or you’ve taken an approved safety course.

  4. Know the year, model, and make of your trike before starting your quote - Make sure you have all your information ready before starting your quote so that you get the most accurate offer.

  5. Disclose any modifications or enhancements you’ve made to your trike - If you’ve made any enhancements, be honest. Your policy could be invalid if you fail to disclose relevant information.

WHY PICK HARLEY-DAVIDSON® INSURANCE FOR TRIKE INSURANCE?

There are several reasons why Harley-Davidson® Insurance makes sense:

Group of motorcycles

WE INSURE MOST MOTORCYCLES

We also insure motorcycles 25 years and older and customized bikes.

percent symbol

WE OFFER A WIDE RANGE OF DISCOUNTS

We’re delighted to offer several discounts, including military/law enforcement discounts and multi-bike discounts.

Group of motorcycles

WE INSURE MOST TRIKES AND MOTORCYCLES

Despite our name, we have a long history of insuring most motorcycle brands, models, and types.

Wings and a halo

WE PROVIDE MOTORCYCLE ACCIDENT FORGIVENESS

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

Shield with checkmark

WE HAVE A WIDE RANGE OF COVERAGE OPTIONS

Our goal is to help you find the best  trike policy.

FROM OUR CUSTOMERS
Michael, OR
"Easy online access."
Scott, KS
"Very helpful representative and the price was very reasonable!"
Nicholas, VT
"Seamless experience from the dealership to my driveway."
Get A Motorcycle Quote

FAQ ABOUT TRIKE INSURANCE

According to the NHTSA, if a motor vehicle has a seat (or saddle) and fewer than four wheels, it is classified as a motorcycle.

Because most states consider trikes a motorcycle, the helmet use and eye protection laws will depend on the state you are riding.

WHAT TYPES OF MOTORCYCLES ARE COVERED WITH HARLEY-DAVIDSON® INSURANCE

Touring bike illustration
Touring
Cruiser bike illustration
Cruiser
Sport bike illustration
Sport Bike
Scooter or moped type bike illustration
Scooter
Scooter or moped type bike illustration
Moped
Electric bike illustration
Electric

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

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.