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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

  • How much is motorcycle insurance?

    Monthly premiums can start as low as $6 per month. However, there are numerous factors that go into the cost of your policy. These factors include:

    • Whether or not you are a new rider or a veteran
    • Which state you live in
    • The type of policy coverage you need
    Call 800-909-8393 to speak with an insurance agent who can walk you through the specifics.

  • What payment plans are available?

    Harley-Davidson Insurance offers a variety of flexible payment options:

    • Pay-as-you-go: Make monthly payments on your policy.
    • Quick pay: Submit a payment online without having to log in.
    • Automatic payments: Set it up online to pull from your bank or through your agency. Never worry about missing a payment.
    Customized billing alerts will also help make sure you never miss planning a payment.

  • At what age does motorcycle insurance go down?

    Unfortunately, there’s no magic age threshold that leads to a drop in your insurance rate. It’s more of a gradual decline when it comes to the correlation between motorcycle insurance rates and age. This age curve varies by insurance company and can also be influenced by other factors such as:

    • The bike’s year, make and model
    • Driving habits
    • Deductible
    • Safe driving record
    • Garaging location

  • Should I cancel my motorcycle policy in the winter to save money?

    Your motorcycle still faces risks while in storage from theft, fire, vandalism or storm damage. If you were to cancel your insurance, and something were to happen to your bike, you would likely be left to pay the damages or the repair costs out of pocket. So, talk it over with your insurance agent for more information and to determine what seasonal discounts and coverage options may be available.

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