If you ride a Harley, your bike isn’t just transportation—it’s freedom on two wheels. But what about protecting that beast?
Whether you’re driving along the Pacific Coast or parked in your driveway, Harley Davidson insurance in 2025 is important. It is more than just a legal requirement. It acts as your safety net against life’s bumps, bruises, and breakdowns.
How Much Is Harley Davidson Insurance in 2025? (Quick Answer)
Harley Davidson insurance in 2025 costs about $24 each month or $288 each year. The price depends on where you live, the bike model, and the type of coverage you choose. Riders in urban areas may pay more, while members of Harley Owners Group (H.O.G.) often get discounts of up to 25%.
What Makes Harley Davidson Insurance Different From the Rest?
Harley Davidson insurance is designed with the brand’s history in mind. It offers coverage that values your chrome and craftsmanship.
Why Harley Owners Need Special Coverage
Harleys often come with custom parts, higher price tags, and loyal owners who treat their bikes like family. Regular motorcycle insurance might not cut it.
More Than Just Liability
Basic insurance handles accidents. But Harleys deserve more than basic. You need protection that matches the machine.
Standard Coverages You Can Expect
Let’s start with the basics. Harley-Davidson Insurance includes all the essentials you’d expect:
- Bodily Injury Liability – Covers injuries to others when you’re at fault
- Property Damage Liability – Pays for damage you cause to someone else’s property
- Collision Coverage – Covers your Harley if you hit another vehicle or object
- Comprehensive Coverage – Think theft, fire, weather damage, vandalism
- Uninsured/Underinsured Motorist – If the person who hits you has little or no insurance
- Personal Injury Protection (PIP) – Pays your medical bills, regardless of fault (state dependent)
Learn more about what motorcycle insurance covers
Harley-Specific Add-Ons That Riders Love
This is where things get interesting. Harley-Davidson Insurance steps it up with extras built just for its tribe.
Guest Passenger Liability
Because you’re not always riding solo—this covers your passenger if there’s an accident.
Bike Replacement Cost
Wreck a new bike? This replaces it at full value, not the depreciated cost. That’s a huge deal for fresh purchases.
Optional Equipment Coverage
Covers your non-factory parts, H-D® Genuine Accessories, and custom touches.
Explore all your Harley coverage options
Roadside Help When You’re Stranded
A flat tire in the middle of nowhere? Roadside assistance has your back. Plus, there’s rental reimbursement if your bike is in the shop and even vacation rental coverage for your road trips.
Legal Expense Coverage
Some plans even offer legal protection if things get messy. Think of it like a biker’s legal shield.
How Much Does Harley Davidson Insurance Cost in 2025?
While some companies offer broader coverage, Harley Davidson insurance shines in brand-specific features that reward loyal owners.
Let’s talk numbers.
| Provider | Monthly Cost | Annual Cost | Special Features |
|---|---|---|---|
| Harley-Davidson | $24 | $288 | Genuine parts, custom add-ons, H.O.G. perks |
| Dairyland | $22 | $264 | Low cost, solid service, roadside help |
| National Average | $33 | $396 | Varies by bike and location |
What Impacts Your Premium?
It’s not just the brand—it’s you too. Your insurance cost depends on:
- Your Bike Model – Touring, cruiser, sportster—all priced differently
- Your Age and Riding Record – More experience, fewer claims = better rates
- Your Zip Code – Urban vs. rural, theft risk, local laws
- Coverage Limits and Deductibles – Lower deductibles mean higher premiums
- Membership Perks – H.O.G. members often score discounts
Discounts? Oh Yeah.
Harley-Davidson Insurance rewards loyalty. If you’re part of Harley Owners Group (H.O.G.), you could get up to 25% off. Other discounts include multi-policy, safe rider, anti-theft systems, and more.
Best Insurance Providers for Harley Riders
1. Harley-Davidson Insurance
Pros: Made for Harleys, uses H-D® parts, plenty of perks, great support
Cons: No bundling with car/home policies
2. Dairyland
Pros: Budget-friendly, reliable roadside coverage
Cons: Lacks Harley-specific features
3. Bikesure (UK/EU)
Pros: Covers mods, agreed value options, club perks
Cons: Only available in select countries
4. Progressive / GEICO / Others
Pros: Big companies, easy bundling, digital apps
Cons: May skip out on accessory/custom coverage
Compare motorcycle insurers here
The Big Harley-Specific Benefits
If you are still unsure why you shouldn’t choose a generic provider, let’s look at what Harley-Davidson Insurance offers:
H-D Genuine Parts
Repairs with actual Harley parts—not generic replacements.
Custom Accessory Protection
Your $800 leather saddlebags and chrome foot pegs? Covered.
Agreed Value Coverage
Set a fixed value with your provider for rare or heavily modified bikes.
Loyalty Club Discounts
Being in H.O.G. or other riding clubs can slash premiums big time.
Flexible Add-Ons
You choose what to add—legal help, travel coverage, rental reimbursement—it’s a la carte protection.
See full Harley Insurance benefits
Harley vs. Regular Motorcycle Insurance: Key Differences
| Feature/Benefit | Harley-Davidson Insurance | General Motorcycle Insurance |
|---|---|---|
| H-D Genuine Parts Coverage | Yes | Rare |
| Accessory Protection | Extensive | Limited or extra |
| Club Discounts | Up to 25% | Minimal |
| Agreed Value Option | Yes | Sometimes |
| Roadside Assistance | Optional | Occasionally |
| Replacement Cost Option | Yes | Rare |
| Legal Protection | Sometimes | Sometimes |
| Avg. Monthly Cost (2025) | $24 | $33 |
How to Pick the Right Policy
Not sure where to start? Here’s what to do:
- Get Multiple Quotes – Use at least 3 insurers
- Know Your Bike’s Value – Especially with mods or custom gear
- Review Deductibles vs. Premiums – Balance your budget and risk tolerance
- Read the Fine Print – Especially for accessory limits
- Bundle If Possible – Even though H-D Insurance is motorcycle-only, other providers may offer bundles
Compare options and start quoting
Should You Choose Harley-Davidson Insurance?
If your heart beats to the sound of a V-Twin engine, there’s a good chance the answer is yes. Harley-Davidson Insurance in 2025 offers real Harley parts and coverage for your chrome upgrades. It is as customized as your bike.
Much like figuring out how much gap insurance costs, understanding audit-readiness factors can help you reduce expenses.
Final Lap: The Verdict
Harley Davidson Insurance delivers on what riders really want: low premiums, flexible perks, and brand-specific protection. Sure, you might save a few bucks with a bargain provider—but why cut corners on something that’s part of your soul?
Protect your passion. Insure it like it deserves.
FAQs About Harley-Davidson Insurance
How much is Harley Davidson Insurance monthly in 2025?
On average, about $24/month.
Who Underwrites Harley-Davidson Insurance?
Harley-Davidson Insurance policies are managed by the Sentry Insurance Group. This is a well-known insurer located in Stevens Point, Wisconsin. This partnership ensures that policyholders receive support from a company with extensive experience in motorcycle insurance.
Is accessory coverage included?
Yes—for custom parts, H-D accessories, and gear like helmets or jackets.
What if I crash a new Harley?
You may be eligible for a full replacement at original value if you have the Bike Replacement Coverage.
Is Harley-Davidson Insurance Good?
Yes, Harley-Davidson Insurance is considered a solid choice for many riders. It offers competitive rates—often around $24 per month—and provides coverage tailored specifically for motorcycle enthusiasts.
Benefits include protection for custom parts, genuine Harley-Davidson® replacement parts, and discounts for Harley Owners Group (H.O.G.) members.
However, some customers have reported inconsistencies in claims processing. Overall, it’s a strong option, especially for Harley riders seeking specialized coverage.
Does Harley Insurance cover other brands?
No. It’s designed specifically for Harley-Davidson motorcycles.
Are discounts available?
Yes—especially for H.O.G. members, safe riders, and bundling optional features.
Certainly! Here are detailed answers to your frequently asked questions about Harley-Davidson Insurance:
How Much Does Harley-Davidson Insurance Cost?
On average, Harley-Davidson Insurance costs about $24 per month, totaling approximately $288 annually. This is notably lower than the national average for motorcycle insurance, which is around $33 per month.
Actual premiums can change. They depend on several factors. These include where you live, your riding history, and the model of your motorcycle.
How Much Is Insurance for a Harley-Davidson Motorcycle?
The cost to insure a Harley-Davidson motorcycle depends on various factors, including the model, your age, riding experience, and location. For instance, full coverage for a Harley-Davidson Street 750 averages around $154 per month, while a Road King averages about $223 per month. These figures can fluctuate based on individual circumstances.
How to Cancel Harley-Davidson Insurance?
To cancel your Harley-Davidson Insurance policy, you can contact their customer service at 800-242-2464. Their representatives are available to assist you with the cancellation process. It’s advisable to review your policy terms for any cancellation fees or refund policies before proceeding.
Want peace of mind for every mile? Harley Davidson Insurance isn’t just a policy—it’s part of the ride.
