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Our motorcycle insurance discounts

When it comes to your bike, you want quality, affordable motorcycle insurance that’s backed by quality service and support. Welcome to Harley-Davidson Insurance Services. We provide the best motorcycle insurance for your ride, offering money-saving discounts on our already competitive rates.

You can save in multiple ways with Harley-Davidson Insurance Services. We provide motorcycle insurance discounts for multiple bikes, prompt payment, rider group membership, and even a loyalty discount. Get the discounts you’ve earned!

How much is motorcycle insurance? Get a motorcycle quote and see what discounts you may qualify for.

ways you can save with motorcycle insurance

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New Bike

If you decided to ditch the used bike for the shiny, brand new bike, you’ll save some money with our new vehicle discount.

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H.O.G. Member

Are you a member of the Harley Owners Group® (H.O.G.®)? Then you get a special discount with us. It’s that simple. There are more good reasons to be a H.O.G. member.

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Motorcycle Endorsement*

If you have a motorcycle endorsement on your driver’s license from completing an approved riding class, you may qualify for a discount.

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Experienced Rider

So you’ve been in the game for a while. We appreciate that. That’s why we offer a discount based on the number of years of experience you have as a licensed rider.

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H-D™ Riding Academy

New to riding? No sweat. When you take the H-D™ Riding Academy New Rider Course, you’ll get the skills to ride and get a discount for completing the course. Find out more. You can also get a discount for other training/safety classes completed in the last five years.

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Home Ownership

If you own a house, condo, townhouse, mobile home, or modular home—and it’s insured with homeowners insurance—you might qualify for a home ownership discount on your bike insurance.

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Prompt Payer

If you make all of your payments on time, you just found an easy way to save on your cycle insurance when you renew your policy.

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Claim-Free Renewal

We want all riders to be safe. When you renew your Harley-Davidson® Insurance policy, we’ll give you a discount if you weren’t at fault for any accidents during the previous policy period.

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Bundled Protection

Sometimes you need more coverage. Get an insurance discount when you purchase additional Harley-Davidson® Insurance products, such as planned maintenance.

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Adding a bike that is newer than your current one? Have you been a Harley-Davidson Insurance Services customer for more than a year? If you said yes, save money with our loyalty discount.

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Own more than one motorcycle? Look who’s living the good life. And now you benefit even more with a multi-cycle discount when insuring more than one bike with us.

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You don’t want your bike to get stolen. We don’t either. Get an anti-theft discount when you use theft-deterrent devices like an audible alarm or LoJack®.


Military and law enforcement

Serve in the military? Work in law enforcement? Active or retired, we appreciate your service. Let us say “thanks” by offering you a discount on your insurance! Find out more.

Common questions about motorcycle insurance discounts


    We write motorcycle insurance in 48 states. At this time, we’re unable to offer liability coverage insurance policies in Alaska, Hawaii, and Washington, D.C. However, if you live in the covered states, you’re also covered when traveling to those areas.


    Harley-Davidson Motorcycle Insurance Services offers several discounts to its policyholders that may result in a reduced monthly insurance cost. If you own more than one cycle, own a home, have taken a motorcycle safety course (such as our Harley-Davidson® Riding Academy), or are a H.O.G.® member, you might be eligible for a discount on your insurance rate. You’ll have a chance to review your eligible discount(s) during the motorbike insurance quote process. Check out all of our available discounts.


    The choice is yours. You can buy directly via our website, where you can also get a quote, make payments, and report claims. In addition, most Harley-Davidson® dealership locations can also assist you directly.


    No matter what state you live in, you are required to carry a basic insurance policy. Beyond that, most states have specific requirements. When you get a quote, your state-based coverage options will be shown to you. So, it’s important to know what all of the options are for. Get our full list of coverage options.

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