Harley-Davidson Insurance Rates in 2021 | Finder Canada

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Harley-Davidson motorcycle insurance rates

Compare premiums for your Street Rod, Fat Boy or touring CVO.

2020 Harley Davidson motorcycle

How much is insurance for a Harley-Davidson?

Insurance rates for your Harley depends on various factors like the exact model you choose, how frequently you drive it, your driving record and where you live. The average insurance cost of a basic Harley can be around $195 a month, or $2,340 a year. But with the high cost of some Harleys, you could pay more.

Top Harley-Davidson models

Street
Sportster
Softail
Touring
Trike
CVO

Compare free insurance quotes online for your Harley

Name Product Roadside assistance Third-Party Liability Collision Coverage Comprehensive Coverage Discounts Available Available Provinces
Sonnet Auto Insurance
Up to 25%
Alberta, New Brunswick, Nova Scotia, Ontario, PEI, Quebec
Get auto insurance with Sonnet in just five minutes. Save up to 25% on your auto insurance through discounts and bundling options.

Who it might be good for: Drivers looking to apply and manage their car insurance completely online.
Intact Car Insurance
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Ontario, Yukon
Get car insurance with Intact and enjoy a quick turnaround on any lodged claims. Get a free quote through Surex.

Who it might be good for: Drivers looking to get rewarded for good driving behaviour.
Aviva Car Insurance
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Ontario, Yukon
Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex.

Who it might be good for: Drivers looking to customize their auto policy.
Travelers Car Insurance
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Ontario, Yukon
Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex.

Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.
Surex Auto Insurance
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Ontario, Yukon
Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor.

Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.
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How to compare insurance for Harleys

Insurance providers take many factors into consideration when pricing motorcycle insurance, including:

  • Theft rates. Harley Davidsons are in the top five for most stolen bikes, so this could affect your rates.
  • MSRP. You can pay anywhere from $9,499 to $44,099 for a new Harley. The more you pay, the higher your rate will be.
  • Deductible. Raising your deductible will help to lower your monthly insurance payment. But make sure you can still afford that higher deductible if you need to file a claim.
  • Coverage options. Make sure you’re not paying for any unnecessary coverage.
  • Discounts. Look out for discounts you can take advantage of like multi-cycle and safe rider.
  • Warranty. Harley provides a 24-month unlimited km warranty for its bikes. But it doesn’t include towing, so consider roadside assistance when purchasing your motorcycle insurance.
  • Engine size. Bikes with larger engines can push up the cost of insurance.
  • Storage. Storing your Harley in a safe and secure location can get you a discount.
  • Lay-up insurance. Keep your Harley covered against theft or damage while its garaged for the winter.

Bottom line

When looking to insure your Harley, you’ve got plenty of choices. Comparing your options while searching for insurance is the best way to find a great price.

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