Harley-Davidson motorcycle insurance rates

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 $6,900 to $44,000 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. If you’ve taken an H-D Riding Academy New Rider Course, you’ll likely save money on your insurance.
• Membership discounts. Membership in riding groups like Harley Owners Group can get you a discount with many insurance providers.
• Warranty. Harley provides a 24-month unlimited mileage 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. Harley engines range from 450 ccs to 1900 ccs.
• 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.

Harley Davidson car insurance rates by model.

• How we got this rate

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • 2015 STREET 50, XL883N IRON, FLSTF FAT BOY, FLHR ROAD KING, FLRT FREEWHALER and CVO LIMITED
  • No accidents in the past five years
  • Driver located in New York
  • Good credit

  Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.

  Other factors that can affect your auto insurance rate

  • Ford Mustang model year
  • Vehicle’s trim
  • Amount of coverage you need
  • Estimated miles you drive in a year
  • Vehicle’s safety and anti-theft features
  • Driver’s credit score and location
  • Driver’s age, marital status and gender
  • Driving history in the past five years
  • Whether the driver rents, leases or owns the vehicle

Harley Owners Group (H.O.G.)

For an annual fee between $29 and $49 H.O.G. members get access to discounts on Harley-Davidson motorcycle insurance, as well as information on organized rides and rallies. Full members get free roadside assistance, and it comes free when you purchase a brand-new Harley.

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.

Frequently asked questions about Harley

• How do I get insurance for my bike through Harley-Davidson?

  You can get a quote and buy a policy all online. Or most Harley-Davidson dealerships can help you.

• Is motorcycle insurance required?

  Yes. Unless you live in Florida, New Hampshire, Montana or Washington, you are required by law to get insurance for your Harley.

• How do I join the Harley Owners Group?

  You can join online at the official Harley site. There are two levels of membership:

  Full membership. Available to all Harley motorcycle owners.

  Associate membership. Extended to passengers, family and friends of riders with Full Membership.

Written by

Julia Cameron

Writer

Julia Cameron is a freelance journalist and editor, specializing in personal finance, mergers and acquisitions and immigration law. Her writing and analysis has been featured in TechRadar, MSN, Harper's Bazaar, Time and other top media. She holds a BA in English literature from the University of Central Florida. See full bio