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Motorcycle Insurance for All Types of Bikes

Added October 16, 2020
Someone riding a white motorcycle

No matter what type of bike you own, you are going to want insurance.

The type of insurance coverage you can get will differ from state to state, as will the cost and minimum requirements. Depending on the type of bike and riding you do, the insurance you want may vary as well. Luckily, Harley-Davidson has a lot of insurance options for our riders.

Here are some of the most popular motorcycles types that we insure:

Cruiser Style Motorcycles

Cruisers resemble American bikes from the 1930s to the 1960s and most have a V-twin engine.

When you're riding a cruiser, you're sitting in a relaxed foot-forward position. That's because cruisers have a low seat, wide handlebars, and their foot pegs are near the front of the bike. The cruiser is a popular choice for commuting or leisure riding because their design makes for a comfortable ride. A touring bike is a better choice if you plan to ride very long distances.

Cruisers are manufactured by European brands (Ducati, Triumph and more) as well as each of the "Big Four" Japanese brands (Honda, Kawasaki, Suzuki, and Yamaha). Still, the company most associated with cruisers is Harley-Davidson. 

The 1971 Harley-Davidson® FX 1200 Super Glide® motorcycle is thought by many to be the first factory-custom cruiser. It would inspire more cruisers to come and proved to be a sales bonanza for Harley-Davidson in the '80s and '90s.

Touring Style Motorcycles

If you plan to ride very long distances, a touring motorcycle is a better choice than a cruiser or a sport bike. Touring bikes usually have fairings or windshields, larger fuel tanks, saddlebags, seating for a passenger, engines with a lot of low-end horsepower, and a relaxed, upright riding position.

Here are some of the most popular touring motorcycles we insure:

  • Harley-Davidson® Road Glide®
  • Honda Gold Wing 
  • BMW K 1600 
  • Kawasaki Vulcan 
  • Suzuki Boulevard
  • Indian Roadmaster

Sport Bikes

Relative to other bikes, sports bikes offer less comfort and fuel economy to provide greater speed, acceleration, braking and maneuverability on paved roads. 

Although some companies offer less powerful sports bikes, these sorts of motorcycles are typically not recommended for beginners. A sport bike requires a lot of skill and confidence to ride. Sport bikes also aren't ideal for long-distance riding.

Sport bikes tend to have narrow, hard seats. The rider’s feet are positioned at the rear of the motorcycle, which forces the rider to lean forward to reduce drag. A sport bike's greater cornering ability is due to their low center of gravity and low ground clearance. All of this makes sense, considering that sport bikes are built for racing.

Common sport, street and high-performance bikes we insure:

  • Honda CBR
  • Kawasaki Ninja model
  • Suzuki GSX-R, GSX-S 
  • Yamaha YZF 
  • Ducati Panigale, Supersport

Trike Style Motorcycles

Trikes are particularly popular among older riders because the third wheel removes the need for balancing and supporting the weight of the bike (and your luggage and passenger, too) at stops. For some, a trike may allow you to keep on riding longer. Trikes are also popular among first-time riders because they're easier to learn how to ride.

Trikes operate, steer, handle and brake differently than a two-wheeled bike. For this reason, a trike may take some getting used to for someone who has spent years with a two-wheel bike. 

Don't think that trikes are designed with only one type of rider in mind. Trikes cater to a broad audience. Their style can range from the Harley-Davidson® Tri Glide® Ultra model, which is made to handle long trips and focuses on comfort and storage, to the Polaris Slingshot 3 Wheel Motorcycle Car, which has an open cockpit design and handles like a sports car.

Common trike brands we insure:

Custom Style Motorcycles

When a mass-produced bike has had aesthetic or structural changes made to it, it's a custom bike.

Alternatively, a custom bike can be made at an independent shop or be a factory custom bike, where riders can personalize their bikes in a variety of ways. The advantage of a factory custom bike is that the rider can still enjoy the benefits of getting a bike from a major manufacturer (support, warranty and finance options). 

Before you customize your bike, either by yourself or at a shop, check to see if it will void your warranty or insurance policy.

Here are some common examples of bikes we won't be able to insure for physical damage:

  • Kit/homemade, non-factory built, or composite
  • Bikes with a replaced original frame
  • State-assigned
  • VIN Rebuilt or retitled

Antique Bikes

According to Antique Motorcycle Club of America, an antique bike is 35 years old or greater.

This definition doesn't inform laws, however. Some states require all antique bikes to be registered or licensed as an antique if it's greater than 20-years-old. For this reason, it's necessary to research what your state's laws are since they may differ from those of another state.

Some states also allow people to license and register their bikes as historical. The bike has to be of a certain age and used purely as a collectors' item to earn this designation. Such bikes are used by historical clubs, ridden in parades, or displayed at car shows.

Is insurance for your motorcycle required by law?

The vast majority of states require coverage carried on your owned motorcycle Every state but Florida requires its riders to be insured. It is advised that Florida residents get insurance, regardless, to protect against any unplanned incidents.

Other than Florida, each state's insurance requirements may differ from that of another, so you should do your research to make sure you have the insurance you need.

How much does insurance cost?

The vast majority of states require coverage carried on your owned motorcycles but each state's requirements may be different. Please research the insurance requirements in your state to ensure you are protected against unplanned incidents.

What are tips for requesting quotes and discounts on motorcycle insurance?

  • For a more accurate quote, provide the make, model and year of your bike. And remember that you'll need your vehicle identification number to get a policy.
  • Add anyone else who may be a potential driver of your bike.
  • Mention any enhancements or modifications you've made to your engine.
  • Take a motorcycle training course. 
  • If you increase your comprehensive or collision deductible, you may lower your premium.
  • Even if you're keeping your bike in storage, consider comprehensive coverage to keep your baby safe.

What does motorcycle insurance cover?

There's insurance to protect you in the event of every type of incident. Here's just a selection of popular options.

Comprehensive & collision

Collision protects you if you need to pay for damages caused by hitting or getting hit by another object or vehicle. Comprehensive coverage protects your ride from damage that is not included in collision insurance, such as theft, fire, flood or vandalism.

Custom parts/equipment and full value for replacement parts

Optional equipment insurance protects non-factory standard additions you may have made yourself. You can also get full optional equipment replacement insurance so that if your bike is totaled and your additions are also kaput, they too will be replaced.

Total loss coverage

If your bike gets totaled, you can get it completely replaced, and not at depreciation value.

Injury liability*

  • Guest passenger liability: This protects you if your passenger gets hurt, and the operator is to blame.
  • Bodily injury liability: This is for at-fault accidents that cause harm to others. This insurance will cover lost wages, pain, medical expenses, suffering and death.
  • Uninsured motorist bodily injury: This insurance protects you in the event that someone with an uninsured vehicle injures you.
  • Underinsured motorist bodily injury: This protects you if you are injured by the operator of a vehicle with insufficient insurance.
  • Medical expense: This coverage helps you and your passenger with medical costs in the event of an accident.
  • Personal injury protection: Regardless of who's at fault, this insurance provides coverage for medical expenses, up to a certain point, for the policyholder and anyone else who's eligible. This coverage often includes non-medical expenses like wage loss and death benefits. Availability varies on a state to state basis. 
* These coverages are not offered or available in all states.

Bottom line

If a bike won your heart enough for you to buy it, it would break your heart for you to lose it. 

That's why insurance for your motorcycle is so invaluable. You never know what's going to happen, so it's good there are enough options to protect you in every situation.

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