Harley-Davidson Insurance Review: Great Coverage, Cheap Rates
Harley-Davidson has good, tailored motorcycle coverage and cheaper-than-average rates that can be lowered even more with discounts.
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Editor's Rating
Harley-Davidson Insurance, also known as H-D Insurance, is affordable and offers great optional coverages, though its customer service is inconsistent. Overall, Harley-Davidson Insurance is a good choice for most motorcycle riders, even if you don't ride a Harley.
Pros and cons
Pros
Affordable rates
Great for road trips
Offers protection for custom motorcycle parts
Cons
Can't bundle with auto or home insurance
No trailer coverage
Inconsistent claims service
Harley-Davidson Insurance: Convenient features at reasonable rates
With Harley-Davidson, you can get coverage for any bike, whether it's a Harley or another motorcycle maker. H-D insurance is also very affordable, with rates that are 29% cheaper than the national average. You'll also find great coverage options and discounts on H-D Insurance policies.
Harley-Davidson insurance drawbacks
Harley-Davidson's biggest drawback is its inconsistent customer service. Customers sometimes lodge complaints about poor claims settlements and related delays. Harley-Davidson also doesn't sell other kinds of insurance such as home or auto.
How much does Harley-Davidson's insurance cost?
With an average price of just $24 per month, Harley-Davidson’s insurance is one of the cheapest options for motorcycle insurance in the country. Only Dairyland and Progressive have cheaper rates than Harley-Davidson, and only by a dollar or two per month.
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Overall, rates at Harley-Davidson are 29% cheaper than the national average.
Harley-Davidson monthly insurance rates
Company | Rate | |
|---|---|---|
| Dairyland | $22 |
| Progressive | $23 |
| Harley-Davidson | $24 |
| Geico | $36 |
| Allstate | $37 |
| Markel | $40 |
| Nationwide | $55 |
Getting Harley-Davidson Insurance quotes is fairly simple, as the company has a straightforward online quoting system.
But you should always compare your Harley-Davidson Insurance quote with quotes from other companies, as well as the average cost of motorcycle insurance in your state before signing up for coverage. Every rider will pay a different amount based on their riding history, where they live and what type of bike they own.
Does Harley-Davidson offer discounts?
Harley-Davidson Insurance offers a lot of discounts to policyholders, which can help you lower your costs beyond their already-low rates.
H-D Insurance's discounts stand out because several are easy for many people to get.
For example, if you recently purchased a bike or you're a homeowner, you'll receive some savings on your Harley quote.
Harley-Davidson discounts
- New bike: If you have a newer motorcycle, you'll save on your monthly rates.
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H.O.G. member: Get a special discount if you're a member of Harley Owners Group (H.O.G.).
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Motorcycle endorsement: You may qualify for a discount if you have a motorcycle endorsement on your license for taking part in an approved riding class.
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Experienced rider: Receive a discount based on how long you've been riding motorcycles. The more experienced you are, the greater your discount.
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H-D Riding Academy: Get a discount for completing the H-D Riding Academy New Rider Course.
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Homeownership: If you own a home, you're eligible for a discount on your Harley quote, regardless of what company it's insured with.
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Prompt payer: Receive a discount at policy renewal if you made all your payments on time.
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Claim-free renewal: At policy renewal, receive a discount if you haven't been in an accident.
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Bundled protection: Get a discount if you buy other Harley-Davidson services, like a planned maintenance package.
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Loyalty: Save money if you're adding a second (newer) bike to your policy or if you've been with H-D Insurance for more than one year.
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Multicycle: Insure more than one motorcycle with Harley-Davidson.
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Anti-theft: Receive a discount if your motorcycle is equipped with an anti-theft device like an alarm.
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Military and law enforcement: You'll get a break on your insurance rates if you're an active or retired member of law enforcement or the military.
The one discount H-D does not have: a multi-policy bundle discount. Unlike major competitors like Progressive or Allstate, Harley-Davidson doesn't offer other kinds of insurance, like auto or homeowners. Bundling your insurance policies together is one of the best discounts out there, and often comes with extra perks like a shared deductible.
What's covered under a Harley-Davidson policy?
Harley-Davidson offers an impressively wide selection of extra options targeted at motorcycle enthusiasts. This includes protection for customized bikes or coverages that are useful for motorcycle touring. It also offers replacement cost coverage for accessories or new motorcycles.
But while there aren't any glaring holes in their coverage options, Harley-Davidson's basic policy is not as generous as Progressive's. For example, Progressive policies cover up to $3,000 of accessory coverage for free, while you'll have to pay to add that protection at Harley-Davidson.
How replacement cost coverage works
Say you purchased custom chrome rims for your motorcycle for $5,000, but they are now only worth $2,000. If your rims are damaged beyond repair in a covered accident, your insurance company would normally reimburse you for $2,000, minus your deductible. However, H-D Insurance's optional equipment replacement cost coverage would reimburse you the full $5,000 for new chrome rims.
Other notable optional coverage options include:
Vacation rental: Rental coverage extends your normal motorcycle insurance protections to any motorcycle you rent.
Bike replacement cost: If your motorcycle is destroyed or stolen soon after you buy it (usually within a year or two), replacement cost coverage will give you enough money to buy a completely new bike.
Harley-Davidson roadside assistance: This coverage is similar to an auto roadside assistance add-on. Harley-Davidson Insurance's roadside assistance provides fluid replenishment, battery jump-starts, locksmith services and tire replacement.
Guest passenger liability: This covers injuries to your passengers if you're at fault in an accident.
Rental reimbursement coverage: This coverage will help pay for a rental or other transportation if your bike is in the shop after an accident.
Along with the add-on options listed above, H-D Insurance provides standard coverage options.
- Bodily injury liability
- Property damage liability
- Comprehensive coverage
- Collision coverage
- Underinsured and uninsured motorist bodily injury
- Underinsured and uninsured motorist property damage
- Personal injury protection
- Medical payments coverage
Currently, Harley-Davidson offers insurance policies in every state with the exception of Alaska and Hawaii.
- Cruiser
- Standard
- Sportster
- Dirt bike
- Street Rod
- S Series
- Touring
- Softail
- Dyna
- Electric
- Sport bike
- CVO (Custom Vehicle Operation)
- Sport touring
- Trike
- V-Rod
- Dual purpose
- Scooter
- Autocycle
- Moped
Ratings and reviews on insurance by Harley
Harley-Davidson insurance has inconsistent customer service ratings.
Harley-Davidson insurance is underwritten by three companies, depending on where you live: Sentry Select, Viking Insurance and Middlesex Insurance. In 2024, Viking Insurance had an average complaint score from the NAIC, while Sentry Select and Middlesex both had poor scores.
Company | States | |
|---|---|---|
| NAIC complaint index 2024 The NAIC complaint index describes how often an insurance company gets official complaints relative to their size. A company with a complaint index of 0.50 gets half as many complaints as a typical company. | ||
| Sentry Select Insurance | All states except CA, NH, NY, WA | 1.63 |
| Viking Insurance | California, New York | 0.96 |
| Middlesex Insurance | New Hampshire, Washington | 1.97 |
AM Best, an independent insurance rating agency, gave all three underwriting companies a rating of A+ (Superior), which can be taken as a vote of confidence for each company's financial strength and ability to pay customer claims.
Is Harley-Davidson Insurance the same thing as Progressive?
Harley-Davidson motorcycle insurance is not Progressive insurance, but they used to be connected. Harley-Davidson's insurance policies were originally underwritten by some of the best motorcycle insurance companies, such as Dairyland and Foremost Insurance. Then, Harley-Davidson partnered exclusively with Progressive for motorcycle insurance.
Today, H-D motorcycle insurance is underwritten by Sentry Select Insurance, Viking Insurance and Middlesex Insurance. This means if you file a claim, one of those three companies will be responsible for payment — not Harley-Davidson.
Frequently asked questions
Is Harley-Davidson Insurance good?
Harley-Davidson is a good option for motorcycle insurance. It has some of the lowest rates you'll find and a good set of coverage options to add to your policy, but with inconsistent customer service.
How much is insurance from Harley-Davidson?
Who is Harley-Davidson insurance through?
Harley-Davidson motorcycle insurance is underwritten by three companies: Sentry Select Insurance, Viking Insurance and Middlesex Insurance. Viking Insurance underwrites policies in California and New York. Middlesex Insurance is in New Hampshire and Washington. Sentry backs policies in other states.
Methodology
ValuePenguin collected hundreds of motorcycle insurance quotes from across the country from Harley-Davidson and top competing companies. Rates are for a single 45-year-old man with full coverage and a 2018 Honda CMX500 Rebel.
- Bodily injury liability coverage: $50,000 per person and $100,000 per accident
- Property damage liability coverage: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
Company star ratings are based on factors that include rates, customer service and coverage options.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.