Harley Davidson Insurance: Review & Ratings in 2023

Discover Cost-effective Motorcycle Insurance: Dive into Harley Davidson Insurance offerings, from comprehensive protection to roadside help and vacation rental coverage. Understand the hassle-free process of filing claims online or via phone. Obtain a tailored quote from Harley Davidson Insurance and juxtapose it with other providers to guarantee the best value.

What is Harley Davidson Insurance?

Harley-Davidson Insurance is a specialized insurance service tailored for motorcycle enthusiasts, specifically those riding Harley-Davidson bikes. Offering a range of coverage options, it ensures riders are protected on and off the road. Additionally, the insurance comes with several discounts and features to cater to the unique needs of bikers.

What is Harley Davidson Insurance?

What coverages does Harley Davidson Insurance provide?

Besides basic motorcycle insurance features like comprehensive, collision, liability, and protection against uninsured/underinsured motorists, Harley-Davidson provides extra coverages to enhance your policy. Enhance your bike’s protection with these Harley-Davidson additions:

Roadside Assistance: This feature can be incorporated into your policy, ensuring support during mechanical or electrical hitches. With 24/7 availability, Harley-Davidson’s roadside service not only aids during breakdowns but also offers towing, typically to the nearest dealership, and other related services.

  • Fluid shortage (fuel, oil, water)
  • Battery failure
  • Lock-out (lost key)
  • Flat tire(s)

Harley-Davidson offers a range of specialized coverages to enhance your motorcycle insurance, tailored to your biking lifestyle:

  • Custom Equipment: Protection for any non-standard additions or modifications you’ve made to your bike based on its VIN. Perfect for custom bike enthusiasts.
  • Vacation Rental Coverage: Enjoy the same protection on a rented motorcycle as you have on your own, without paying extra. Manage this feature easily via your online account.
  • Bike Replacement Cost: If your motorcycle is totaled, this coverage pays for a new replacement, not just the depreciated value.
  • Equipment Replacement Cost: In case your bike is totaled, this ensures the added equipment you’ve installed gets replaced too.
  • Rental Reimbursement: For those who solely rely on their bike, this coverage supports with transportation costs if your motorcycle is being repaired post-accident.

Choose the options that align with your biking needs to get the best out of your Harley-Davidson insurance.

Related article: How Much Is Car Insurance for September 2023?

What motorcycles types are covered under a Harley Davidson policy?

Whatever your ride, Harley Davidson has an insurance policy tailored for you. Unsure if your bike is covered? Here’s a list to put your concerns at ease:

What motorcycles types are covered under a Harley Davidson policy?
  • Standard
  • Cruiser
  • Touring
  • Sportster
  • Street rod
  • Softail
  • Dyna
  • S series
  • Sport touring
  • Sportbike
  • Trike
  • CVO
  • V-Rod
  • Dirt bike
  • Dual purpose
  • Scooter
  • Moped
  • Autocycle

Clearly, Harley Davidson offers a policy for every biker. While we hope you never face an accident, it’s essential to know how to utilize your insurance coverage if the need arises.

How can motorcyclists file a claim with Harley Davidson?

Imagine you’re out riding and run over a nail, leaving you stranded with a flat tire. With roadside assistance in your insurance policy, you can easily file a claim to get your tire fixed. You can initiate the Harley Davidson Insurance claims process either by calling their helpline or using your online account.

It’s important to note that Harley Davidson Insurance is backed by Sentry Insurance Group. So when you claim, it’s Sentry that manages the payment. However, with an A+ rating from AM Best, you can trust in a smooth reimbursement process.

If an accident isn’t your fault, ensure you collect the other driver’s insurance details and full name. Inform your insurer about the incident, but if you weren’t at fault, you’ll typically claim from the other driver’s insurance. Doing so helps maintain a clean claims record and ensures you’re covered for repairs and any medical bills if injured.

How much does Harley Davidson Insurance cost?

The average annual cost for a motorcycle insurance policy with Harley Davidson Insurance is $313. However, rates vary based on individual profiles. For a tailored quote, you can easily obtain one directly from Harley Davidson Insurance’s website. 

When shopping for insurance, it’s beneficial to compare their rates with other providers. It’s also recommended to collect a minimum of five quotes before finalizing any insurance agreement.

How much does Harley Davidson Insurance cost?

Who is Best for Harley Davidson Insurance

  • Riders who own a Harley-Davidson motorcycle and are seeking specialized coverage tailored to their specific needs.
  • Enthusiasts who prioritize brand-specific benefits and discounts.
  • Individuals who value the reputation and assurance of a recognized brand in the motorcycle industry.

Harley Davidson Insurance: Pros & Cons 


  • Specialized Coverage: Tailored specifically for Harley-Davidson motorcycle owners, ensuring that the unique needs of these riders are met.
  • Reputation: Backed by the recognized and trusted Harley-Davidson brand.
  • Range of Options: Offers a wide variety of coverage options, including optional equipment and vacation rental coverages.
  • Convenient Claims Process: 24/7 claims service available online and by phone, ensuring timely assistance.


  • Price: May be pricier than some other generic insurance providers.
  • Geographic Limitations: Not available in all states, such as Alaska and Hawaii.
  • Niche Market: Specifically tailored for Harley-Davidson owners, which may exclude riders of other motorcycle brands.

Does Harley Davidson offer discounts on its coverage?

Harley-Davidson Insurance offers various discounts for motorcycle policyholders. These discounts are notable for their accessibility. Here’s a list of the available savings:

Harley-Davidson Discounts:

  • New Bike: Discounts for newer motorcycles.
  • H.O.G. Member: Special rates for members of Harley Owners Group.
  • Motorcycle Endorsement: Savings for those with a certified riding endorsement on their license.
  • Experienced Rider: Discounts increase with your riding experience.
  • H-D Riding Academy: Reduced rates for completing their New Rider Course.
  • Homeownership: Homeowners get discounts, irrespective of their home insurance provider.
  • Prompt Payer: On-time payments can lead to savings upon renewal.
  • Claim-free Renewal: Discounts for accident-free riders during renewals.
  • Bundled Protection: Save more if you opt for other H-D Insurance offerings.
  • Loyalty: Discounts for long-term clients or those adding another bike.
  • Multicycle: Rates drop when insuring multiple motorcycles.
  • Anti-theft: Savings for bikes with security systems like alarms.
  • Military & Law Enforcement: Active or retired members get special rates.

However, it’s worth noting that Harley-Davidson doesn’t offer auto insurance, so they don’t provide the common auto-motorcycle bundle discount found with insurers like Progressive and Geico.

Harley Davidson Insurance: What You Must Know

Whether you’re on a moped or a classic motorcycle, Harley Davidson Insurance has got you covered, unless you’re in Alaska or Hawaii. They offer a range of additional coverages for peace of mind during your travels and provide flexible claim filing options, either online or through a phone call. 

If you’re considering them, it’s worth browsing online reviews about Harley Davidson Insurance. By consistently paying on time, you might also qualify for discounts. To see potential savings, input your ZIP code and get free quotes from nearby insurance providers.

Harley Davidson Insurance: Customer Service

To reach Harley-Davidson Insurance’s customer service:

Harley Davidson Insurance: Customer Service


  • For policy inquiries, claims, and payments: 800-242-2464 (Available 24/7 for claims; Monday to Saturday, 7 a.m. – 11 p.m. CT and Sunday, 8 a.m. – 7 p.m. CT for other services).
  • For quotes: 800-909-8393.

Online Message:

  • Submit a form via the company’s website.

Harley-Davidson primarily offers customer support through phone and online messaging. Claims services are accessible around the clock, while general inquiries follow specific central time hours. You can always drop a message on their website for assistance.

Although Harley-Davidson offers 24/7 claims service, their limited hours for other concerns might inconvenience some customers. Some might prefer face-to-face meetings with agents to address their questions, but it seems this option isn’t available. Given these factors, Benzinga rates Harley-Davidson’s customer service at 3 out of 5 stars.

Harley-Davidson Claims Support

Harley-Davidson Insurance encourages you to report accidents immediately, offering 24/7 claims support. To file a claim, phone 800-242-2464 or use their online portal. Once you’ve submitted your claim, a representative will promptly assist you.

Mobile App

Embracing the technological strides of the 21st century, Harley-Davidson offers a feature-rich app for enthusiasts. This app, available for smartphones, enhances your riding experience with functionalities like ride planning, GPS navigation, event notifications, dealer locations, and more. It’s an efficient way for users to manage their accounts on the go. The Harley-Davidson app earns a commendable 4 out of 5 stars.

Harley-Davidson Motorcycle Insurance User Benefits

Harley-Davidson Insurance offers a comprehensive suite of coverage options, from bodily injury liability to roadside assistance and bike replacement cost, ensuring every customer’s needs are addressed. Their diverse range ensures that policyholders are well-protected, with ample choices to tailor their coverage. Recognizing its commitment to serving its users, Harley-Davidson’s offerings earn a solid 4 out of 5 stars.

User Experience

Benzinga’s review of Harley-Davidson Motorcycle Insurance offers a thorough analysis, from the initial consideration phase to the moments you enjoy on your bike. Awarding Harley-Davidson a perfect 5-star rating for user experience, Benzinga recognizes its excellence. For riders prioritizing safety and comprehensive protection, Harley-Davidson insurance is a top-tier choice. While it may come at a premium price, it ensures unparalleled coverage and benefits.

Frequently Asked Questions

What types of coverage does Harley Davidson Insurance offer?

Harley-Davidson Insurance provides a comprehensive suite of coverage options, encompassing liability, collision, comprehensive, and protection against uninsured or underinsured motorists.

How can I get a quote from Harley Davidson Insurance?

To obtain a quote from Harley-Davidson Insurance, you can either visit their official website or contact their customer service via phone.

Does Harley Davidson Insurance offer any discounts?

Yes, Harley-Davidson Insurance offers various discounts. For instance, they provide savings for new bikes, homeowners, those who have completed the H-D Riding Academy New Rider Course, members of the Harley Owners Group (H.O.G.), and riders with motorcycle endorsements on their licenses. Additional discounts are available for experienced riders, prompt payers, claim-free renewals, and those who bundle protection or have anti-theft devices. Military and law enforcement personnel, both active and retired, can also avail of special discounts.

How are claims handled by Harley Davidson Insurance?

Harley-Davidson Insurance provides a streamlined claims process for its policyholders. If an accident occurs, customers can report a claim 24/7, either by phone or through the online self-service portal. After filing, a Harley-Davidson Insurance representative will promptly contact the claimant to guide them through the subsequent steps. They offer personal assistance, ensuring that the claim is processed efficiently and that the customer is well-informed throughout the procedure. Additionally, any necessary repairs can be done using genuine Harley-Davidson parts, preserving the integrity and value of the motorcycle.

What is the financial strength rating of Harley Davidson Insurance?

Harley-Davidson Insurance is underwritten by the Sentry Insurance Group. Sentry has been awarded an A+ financial strength rating by AM Best, indicating a superior ability to meet its ongoing insurance obligations. This suggests that policyholders can have confidence in the company’s financial stability and its capability to pay out claims.

Final Thoughts

Harley-Davidson Insurance, tailored for motorcycle enthusiasts, offers specialized coverage options beyond standard policies. With a strong backing from a reputable brand, it provides robust offerings, though it might come at a premium price and has certain geographic limitations. Riders passionate about their Harleys might find it ideal, but a comparison with other options is recommended to ensure optimal value and coverage.

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