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What does motorcycle insurance cover?

Added August 27, 2021
Motorcycle riding through a tunnel

At Harley-Davidson, motorcycles are our pride and joy. We trust our bikes to start on command, make a turn, and get us home. It's important to trust your ride. Over time, the love for a machine deepens into something more, and if something happens, you want the best motorcycle insurance to get you back on your bike as quickly as possible because there's nothing like hitting the open road on two wheels.

But before you can set out, there are a few things you need to have squared away to legally ride your bike, namely, adequate insurance and safety gear (if you live in a state with helmet requirements).

While not all states require helmets to ride a motorcycle, virtually every state requires insurance. In case of any unforeseen accidents, insurance will help you defray the costs of medical bills, repairs, and even total motorcycle replacements. 

For many new or prospective riders, the insurance process can be daunting, but at Harley-Davidson Insurance Services, we provide that service as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. And don't worry if you aren't looking to buy a Harley-Davidson® motorcycle, we cover a wide variety of motorcycles. 

Whether you are on a custom motorcycle, a standard bike, a cruiser, an adventure tourer, a Sportster®, Street Rod®, Softail®, or Dyna® motorcycle, a Sport bike, a dirt bike, a trike, or even a scooter you can rest assured you have premium coverage that will keep you on the road. 

We stand behind our policies with industry-leading services, coverage, and support. You'll also find money-saving motorcycle insurance discounts and experienced customer service and claims support. It's why riders trust us to help protect them and their bikes, no matter what type of motorcycle you ride.

The Basics of Motorcycle Insurance

Including collision and comprehensive coverages on your motorcycle insurance policy will keep you covered if your bike is stolen or damaged outside of an unforeseen automobile accident.

In addition, many choices you can make are optional motorcycle insurance coverages instead of motorcycle insurance requirements. Here is more information about the basics of motorcycle insurance.

The most common features of a motorcycle insurance policy are:

Bodily Injury Liability Coverage -

When an at-fault accident results in injury or death to others, Bodily Injury Liability coverage can help protect you from paying for their treatment out of pocket. This coverage can pay for lost wages, medical payments, pain management, suffering, and death.

Property Damage Liability Insurance Coverage -

If an at-fault accident causes damage to another person's property, this Harley-Davidson® Insurance coverage can help protect you from paying out of pocket.

Uninsured or Underinsured Motorist Coverage - 

Uninsured Motorist Bodily Injury coverage, Underinsured Motorist Bodily Injury coverage, and Uninsured and Underinsured Motorist Property Damage coverage are available to help pay for medical costs and property damage when the owner or operator of an uninsured motor vehicle is at fault.

This coverage option may extend to additional liability coverage for damage to your motorcycle if the other vehicle operator does not have the insurance to cover the cost of repair or replacement for your bike.

Personal Injury Protection -

Personal Injury Protection provides coverage for medical expenses, up to a specified limit in most states, for the insured or any other eligible person as the result of an accident—regardless of who was at fault. This usually includes coverage for non-medical expenses, such as wage loss and death benefits. However, coverage availability is limited in some states. Your options will be explained during the quote process.

Collision Coverage -

Collision insurance provides the extra coverage you may need to pay for damages when your motorcycle hits—or is hit by—another object or vehicle. Unlike many providers of auto insurance, we offer motorcycle accident forgiveness in certain cases. Just because an unexpected accident happened doesn't mean your motorcycle insurance premium should jump.

Comprehensive Coverage -

Sometimes accidents happen that aren't covered under collision coverage. However, motorcycle theft, fire, and vandalism are all covered under comprehensive coverage so that you can be prepared for the unexpected.

How Much Does Motorcycle Insurance Cost?

There's no set price for the cost of a motorcycle insurance policy, but the average ranges from $30-$130 per month depending on what state, zip code, and level of coverage you choose. Generally, a higher deductible will translate to a lower premium.

To properly compare pricing, you need to request quotes for the same level of coverage from multiple insurance vendors.

What Makes Harley-Davidson Insurance Services Special

At Harley-Davidson Insurance Services, we offer optional coverage policies with motorcycle riders in mind. We strive to provide the best coverage around to ensure that you're covered in case of unforeseen accidents.

Our methods are rider-focused, and we offer support and coverage that other insurance providers can't compete with. With us, you can make sure your insurance policy is tailored to your needs.

Here are a few offerings that make Harley-Davidson Insurance Services special.

Discounts for Real Motorcyclists

With Harley-Davidson Insurance Services, there are so many ways to save.

All H.O.G.® members (Harley Owners Group® riding club), motorcycle safety course graduates, new bike owners, longtime motorcyclists, homeowners, multiple bike owners, military members, and law enforcement can all expect some form of a discount on their motorcycle policy.

You can even get deals for paying up-front, keeping a clean driving record, or bundling your coverage for a multi-policy discount.

Genuine Harley-Davidson® Replacement Parts

If you have genuine Harley-Davidson® parts on your motorcycle, we'll replace them with genuine Harley-Davidson® parts whenever available. We won't settle for anything less. After all, you want your bike to be authentic from top to bottom. And we couldn't agree more.

Rental Reimbursement Coverage

Is your motorcycle your only mode of transportation?

How will you get around if it's undrivable due to an unforeseen accident?

With Rental Reimbursement coverage from Harley-Davidson Insurance Services, we'll pay for eligible transportation expenses in qualifying circumstances.

Emergency Roadside Assistance Program

Not every motorcycle ride goes smoothly. Mechanical or electrical breakdowns can and do happen, and eventually, you'll need help. You can get 24-hour towing and roadside service with Harley-Davidson Insurance Services Roadside Assistance coverage for the following situations:

  • running out of fuel, oil, or water
  • electrical breakdown
  • battery failure
  • lost key
  • flat tire(s)

Vacation Rental Insurance

Want to rent a bike just for the fun of it while you are traveling?

Get the same level of coverage on a rental motorcycle from a licensed facility or dealer as you would on your bike with our Vacation Rental coverage. It's the perfect way to see the world on two wheels while maintaining your motorcycle coverage.

Bike Replacement Cost

If your new motorcycle is written off as a total loss, you can get it replaced—and not at the depreciation value–with our replacement cost coverage.

Equipment Replacement Cost

If your accessories are stolen or destroyed alongside a total motorcycle loss, you're covered for the replacement cost of that equipment with Optional Equipment coverage.

Guest Passenger Liability Insurance

At Harley-Davidson Insurance Services, we understand the value of riding with friends and family. But we also know that, occasionally, unforeseen accidents happen. With Guest Passenger Liability insurance, your passenger will receive coverage for bodily injuries sustained on your bike when the operator is at fault.

Bottom Line on Motorcycle Insurance Coverages

At Harley-Davidson Insurance Services, there are many types of plans to be explored, whether you are looking for a basic policy or something more comprehensive. Contact a Harley-Davidson® insurance agent today to get a quote and hear more about our motorcycle insurance coverage options, no matter what type of bike you ride.

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