Harley Davidson Insurance Company: The Ultimate Guide for Riders
Introduction
When you think of Harley-Davidson, you immediately envision freedom, the open road, and a deep rumble that shakes the soul. But behind the excitement and pride of owning a Harley is the essential need for proper protection.
This is where the Harley Davidson Insurance Company comes in. Unlike general motorcycle insurance providers, Harley Davidson’s own insurance service is designed specifically for Harley riders, offering unique coverage options, benefits, and peace of mind.
In this guide, we’ll explore everything you need to know about Harley Davidson Insurance Company: what it covers, how it compares to other insurers, cost factors, pros and cons, and tips to get the best deal.
What is the Harley Davidson Insurance Company?
The Harley Davidson Insurance Company (officially known as Harley-Davidson Insurance Services) is a subsidiary of the Harley-Davidson Motor Company.
They provide motorcycle insurance tailored specifically for Harley owners, but they also offer coverage for other brands of motorcycles.
Unlike traditional insurers, Harley-Davidson Insurance Services understands the unique needs of Harley riders, such as:
- Protecting expensive customizations
- Covering gear like helmets and jackets
- Offering specialized claims support
In short: It’s motorcycle insurance for riders, by riders.
What Does Harley Davidson Insurance Cover?
1. Comprehensive and Collision Coverage
Standard damage protection whether you’re in an accident or if your bike is stolen, vandalized, or damaged by natural disasters.
2. Liability Coverage
Protects you financially if you injure someone else or damage their property while riding.
3. Guest Passenger Liability
Covers medical expenses and liability if your passenger is injured in an accident.
4. Accessories Coverage
Automatically includes $3,000 for accessories like:
- Saddlebags
- Windshields
- Custom paint jobs
- Chrome parts
(You can increase this limit if needed.)
5. Equipment Coverage
Covers your gear, including:
- Helmets
- Riding jackets
- Gloves
- Boots
6. Uninsured/Underinsured Motorist Protection
If you get hit by a driver without adequate insurance, you’re still covered.
7. Roadside Assistance and Trip Interruption
Optional add-ons that cover towing, lodging, and food expenses if you break down away from home.
8. Replacement Cost Coverage
For new bikes, Harley Insurance may offer a full replacement in case of total loss during the first year.
Why Choose Harley Davidson Insurance Company?
Here’s why many riders pick Harley’s own insurance services:
| Advantage | Details |
|---|---|
| Customization Knowledge | Policies built for heavily customized bikes. |
| Bundle Options | Financing, extended service plans, and insurance in one package. |
| Fast Claims Process | Adjusters trained specifically for motorcycle claims. |
| Specialized Discounts | Loyalty rewards, safe rider discounts, H.O.G. (Harley Owners Group) member perks. |
How Much Does Harley Davidson Insurance Cost?
Average Annual Premium:
- $400 – $1,000/year for basic coverage
- $1,200 – $2,800/year for full coverage on new/custom bikes
Key Pricing Factors:
- Model and value of your Harley
- Your age and riding experience
- Location (city vs. rural)
- Storage security
- Driving record (tickets, accidents)
- Credit score (some states)
Tip: Adding multiple Harleys or bundling with Harley-Davidson’s financing services often unlocks serious discounts.
Harley Davidson Insurance vs Other Motorcycle Insurers
| Feature | Harley-Davidson Insurance | Progressive/GEICO |
|---|---|---|
| Tailored for Harley owners | Yes | No |
| Specialized accessory coverage | Standard ($3,000 included) | Optional or lower limits |
| Harley-specific claims expertise | Yes | No |
| Roadside assistance | Optional | Optional |
| Loyalty and H.O.G. member discounts | Yes | No |
While Progressive and GEICO offer lower base premiums, they may not automatically cover Harley-specific upgrades or custom parts unless you pay extra.
How to Get a Quote from Harley Davidson Insurance Company
- Visit: Go to Harley-Davidson Insurance Services Website.
- Enter Your Info: Fill out details about you and your bike.
- Select Coverages: Choose your limits, deductibles, and optional protections.
- Compare Options: Adjust variables to see how they affect the quote.
- Apply Discounts: Enter H.O.G. membership info or proof of a safe driving record.
- Finalize: Purchase your policy online or by speaking with a Harley insurance specialist.
Pro Tip: Have your VIN, driver’s license, and H.O.G. membership number ready when requesting a quote to speed up the process.
Common Questions About Harley Davidson Insurance Company
1. Can I insure a non-Harley motorcycle through Harley Insurance?
Yes! Harley-Davidson Insurance Services will insure most major brands of motorcycles, not just Harleys.
2. Does Harley Davidson Insurance cover trikes and custom builds?
Absolutely. Whether you have a Tri Glide Ultra or a completely customized chopper, they offer coverage tailored to your bike’s unique features.
3. What if I finance my Harley?
If you financed your Harley through Harley-Davidson Financial Services, bundling your insurance can often lower your rates and simplify payments.
4. Is Harley Davidson Insurance available in all states?
They offer coverage in most U.S. states, but there may be slight variations in policy terms and coverage based on your state laws.
5. Can I switch mid-policy from another insurer to Harley Insurance?
Yes, you can switch any time. Harley Insurance often offers to cover cancellation fees from your previous provider.
Top Tips for Getting the Best Rate
- Complete a motorcycle safety course for discounts.
- Bundle multiple bikes under one policy.
- Ask about loyalty rewards if you’ve been a Harley rider for years.
- Maintain a clean driving record.
- Store your Harley securely in a garage or with approved security systems.
- Use your H.O.G. membership for exclusive perks.
Pros and Cons of Harley Davidson Insurance Company
Pros:
- Specialized knowledge for Harley motorcycles
- Strong accessory and gear protection
- Harley community discounts and H.O.G. benefits
- Convenient bundling with Harley financing
- Motorcycle-focused claims team
Cons:
- Premiums can be slightly higher than big national carriers
- May not be the best fit for non-Harley owners
- Roadside assistance costs extra
Why Harley Davidson Riders Trust Harley-Davidson Insurance
Harley-Davidson Insurance isn’t just about policies and premiums. It’s about protecting a way of life. Whether you’re a weekend rider, a daily commuter, or an iron-butt tourer, you need insurance that understands the emotional and financial investment you’ve made.
Having a policy that covers custom chrome, aftermarket saddlebags, a $600 helmet, and the peace of mind of expert claims handling is priceless.
With Harley-Davidson Insurance Company, you’re not just another policy number—you’re a fellow rider.
Conclusion
If you ride a Harley, protecting it isn’t optional\u2014it’s essential. Harley-Davidson Insurance Company offers a unique mix of passion, expertise, and tailored protection that few competitors can match.
From specialized accessory coverage to expert claims handling, they truly “get” what Harley ownership means. While it may cost a little more than basic motorcycle insurance, the protection and peace of mind you gain are worth every penny.
Ready to ride without worry? It might be time to trust your prized possession to Harley-Davidson Insurance Services.
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