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Harley-Davidson motorcycle insurance rates

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

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Insurance rates for your Harley can range from about $100 to $300 monthly for basic coverage depending on which model you choose. Narrow down motorcycle insurers by roadside assistance coverage, accident forgiveness and more to get a quote.

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Top Harley-Davidson models

Street
Sportster
Softail
Touring
Trike
CVO

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.

ModelMonthly insurance rateBase motorcycle price
HARLEY-DAVIDSON STREET$101$8,400
SPORTSTER$254$11,250
SOFTAIL$258$18,900
TOURING$301$20,360
TRIKE$302$26,900
CVO$302$40,580

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

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