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Got questions? We’ve got answers.

Got motorcycle insurance questions? We have answers. Learn about available coverages, how to get a Harley-Davidson® Insurance policy, roadside assistance, money-saving discounts, and more.

If you still have motorcycle insurance coverage questions, please call us at 800-242-2464. We’re here to help answer your questions and get you the motorcycle insurance coverage you need.
How do I get a Harley-Davidson® Insurance policy?
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.
What states does Harley-Davidson Insurance Services write in?
We write motorcycle insurance in 48 states. At this time, we’re unable to offer 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.
What coverage options do you offer?
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 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.
What types of discounts are available?
Harley-Davidson Insurance Services offers several discounts to its policyholders. 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. You’ll have a chance to review your eligible discount(s) during the quote process. Check out all of our available discounts.
Do you offer roadside assistance?
Roadside Assistance is an available add-on coverage for all policyholders, providing emergency service to your motorcycle due to battery failure, flat tire, lock-out, or mechanical or electrical breakdown. You’ll also be covered for immediate need of fuel, oil, fluid, or water, along with towing services to the nearest qualified service facility if required. Learn more.
Where can I find a Harley-Davidson® dealership near me?
We have Harley-Davidson® motorcycle dealerships located across the country. To find the dealership closest to you, use the Find a Dealer function on our website. 
How do I get a motorcycle safety training discount?
If you’ve voluntarily taken and passed a motorcycle safety course in the past five years, you might qualify for a discount. We accept most safety courses, including the Harley-Davidson® Riding Academy.
What should I expect from the claims process?
Should something unfortunate happen, we’re here to help. At Harley-Davidson Insurance Services, we can direct you to a motorcycle claims specialist who will walk you through the process and help you get back on the road. Here’s what you can expect.
Can I buy Harley-Davidson® Insurance for a motorcycle that is not a Harley-Davidson® model?
Yes. Harley-Davidson® Insurance is available for virtually all makes and models—even off-road vehicles, customized motorcycles, and motorcycles 25 years and older.