Before you put your bike on the open road, ensuring it has adequate insurance should be your first priority. This review will explore the ins and outs of Harley-Davidson motorcycle insurance. Learn about complete coverage details, pros and cons and money-saving discounts to determine whether this company suits your bike.
Best motorcycle insurance for new riders
Harley-Davidson is our pick for the best motorcycle insurance company for new riders. We chose it because it’s a one-stop shop for your motorcycle needs. While insurance is the primary service, it also offers bike loans, extended service plans, planned maintenance, appearance protection and more.
Getting your financing, insurance and protection products in one place makes it easy for new riders to get on the road quickly.
Harley-Davidson motorcycle insurance pros and cons
- Offers financing and extended service plans
- Covers an extensive list of motorcycles
- Optional equipment coverage is available
- Discounts for military members, law enforcement and experienced riders
- Only offers motorcycle insurance, so you can’t bundle with other insurance products
- Coverage is unavailable in AK, HI and Washington D.C.
Pros explained
Has financing and extended service plans
Along with motorcycle insurance, you can secure related products through Harley-Davidson. The company offers bike loans, extended service plans, planned maintenance, appearance protection, and more. Plus, adding another financial service to your insurance policy might score you a discount on your premium.
Covers a variety of motorcycle types
Harley-Davidson provides coverage for a wide range of motorcycles, so no matter what bike you have, there’s a great chance you can get a policy.
Here are just some of the bikes it covers:
- Cruiser
- Dirt bike
- Touring
- Electric
- Sport bike
- Scooter
- Moped
- Trike
- Sportster
- Street Rod
- V-Rod
Offers optional equipment replacement cost
If you’re one of the many riders who customize their bikes, you’ll be glad this coverage is available. In case your motorcycle is a total loss requiring optional equipment replacement, this add-on will cover the cost. Without it, you won’t receive reimbursement for the money you put into customizing your bike.
Discounts for military members, law enforcement and experienced riders
Harley-Davidson offers 13 discounts to help you save on your premium. Some of the standouts include its military and law enforcement discounts. Whether you’re active or retired, you’ll save on your policy as the company’s way of saying thank you for your service. Also, the longer you’ve been a rider, the more you’ll save on your policy with the experienced rider discount.
Cons explained
Only has motorcycle insurance so you can’t bundle with other policies
The company doesn’t offer other forms of insurance, so you can’t score a multi-policy discount, and you have to go through multiple companies to get all the coverage you need. This can inconvenience some and keep you from saving as much as you might with other insurers.
However, Harley-Davidson tries to make up for it by offering a discount if you’re a homeowner and if you get