Trike 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.
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.
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:
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.
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.
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.
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.
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.
- Add additional riders - If anyone else is riding your trike regularly you’ll need to disclose this while getting a quote.
- 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.
- 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.
- 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.
- 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:
We offer a wide range of discounts
We’re delighted to offer several discounts, including military/law enforcement discounts and multi-bike discounts.
We insure most trikes and motorcycles
Despite our name, we have a long history of insuring most motorcycle brands, models, and types.
We offer motorcycle accident forgiveness.
If you’re involved in an incident your insurance rates won’t automatically rise with Harley Davidson® Insurance.
We have a wide range of coverage options
Our goal is to help you find the best trike policy.
FAQ about trike insurance
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Are trikes considered motorcycles?
According to the NHTSA, if a motor vehicle has a seat (or saddle) and fewer than four wheels, it is classified as a motorcycle.
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Is it legal to ride a trike without a helmet?
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 bikes
Designed to provide a comfortable experience for riders on long-distance trips.
Sport bikes
Commonly referred to as street bikes, these are designed for speed and agility.
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