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Is Harley Davidson Insurance the Right Choice for You?

by Adeel Ikram

Is Harley Davidson Insurance the Right Choice for You? | An In-Depth Review of HD Insurance

Is Harley Davidson Insurance The Right Choice For You? When considering your motorcycle insurance needs, you may consider Harley Davidson Insurance. After all, it is one of the most trusted and reliable options for bike riders worldwide. But how can you be sure that HD Insurance meets your specific requirements?

Is Harley Davidson Insurance the Right Choice for You?

This blog post will take an in-depth look at all aspects of HD Insurance to help provide a comprehensive review that can answer all your insurance queries. Whether you’re just starting as a biker or have years on two wheels behind you, this review is sure to have something new and insightful to provide!

Coverage Options 

One of the things that sets HD Insurance apart is its wide range of coverage options. They offer liability, collision, comprehensive coverage, accessories coverage, and roadside assistance. This means you can tailor your policy to meet your specific needs, whether you’re looking to protect yourself or your bike and all its accessories.


HD Insurance offers a variety of discounts that can help you save money on your policy. For example, if you’re an experienced rider or have taken a safety course, you may be eligible for a discount. They also offer discounts for multi-bike policies and loyalty discounts if you’ve been insured with them for a specific time.

Claims Process

Another essential factor to consider when choosing an insurance provider is their claims process. HD Insurance has a reputation for making the claims process as smooth and easy as possible. They have a 24/7 claims hotline and offer online claims filing and the option to track your claim online.

Customer Service 

In addition to its easy claims process, HD Insurance also offers excellent customer service. Their customer service representatives can answer any questions and help tailor your policy to meet your needs. They also provide various resources on their website, including safety tips and guides for maintaining your bike.


Of course, cost is one of the most important factors to consider when choosing an insurance provider. While HD Insurance may not always be the cheapest option, they offer a wide range of coverage options and discounts to help you save money on your policy. It’s worth getting a quote from them and comparing it to other providers to see which offers the best value.

Curious to know how much Harley Davidson’s insurance costs? Let’s dive into the details!

Even though Harley Davidson’s prices aren’t the absolute lowest, the company’s quotes are comparable to those of most of its rivals in terms of the price band they fall into.

According to the data we gathered, the premium for motorcycle insurance for a Harley Davidson is $89 higher than the premium for the most affordable policy, which Progressive provided. Some savings are to be had, but they are not very significant.

Because the organization has a fantastic online quotation system that makes obtaining Harley Davidson Insurance quotes straightforward. Customers can add coverages as they see fit and may view how each factor affects the price of their Harley quotes.

Motorcycle Insurance Company
Sample Annual Motorcycle Insurance Quote
Progressive $224
Geico $248
Harley-Davidson Insurance $313
Dairyland $345
Sample Average $282

Before you commit to purchasing coverage, you should evaluate the Harley-Davidson Insurance quotation you received compared to the estimates provided by other companies and the typical cost of motorcycle insurance in your state.

He was wondering if Harley Davidson offers any exciting discounts on its coverage.

Policyholders can take advantage of a reasonable number of savings made available by Harley Davidson Insurance. The fact that several of HD Insurance’s discounts are so simple to obtain is one of the reasons why they are so valuable.

For instance, if you have just recently bought a bike or are a homeowner, you will enjoy some savings on the Harley quotation you obtain. We have compiled a complete list of the savings that can be obtained with Harley Davidson Insurance and have included it below.

How do you get it?
New bike Receive a new vehicle discount when you insure a new motorcycle.
H.O.G. member Get a special discount if you’re a member of the Harley Owners Group (H.O.G.).
Motorcycle endorsement You may qualify for a discount if you have a motorcycle endorsement on your license for participating in an approved riding class.
Experienced rider Receive a discount based on how long you’ve been riding motorcycles. The more experienced you are, the greater your discount.
H-D Riding Academy Get a discount for completing the H-D Riding Academy New Rider Course.
Homeownership If you own a home, you’re eligible for a discount on your Harley quote, regardless of what company it’s insured with.
Prompt payer Receive a discount at policy renewal if you made all your payments on time.
Claim-free renewal At policy renewal, receive a discount if you haven’t been in an accident.
Bundled protection Get discounts if you have other Harley-Davidson Insurance products, like planned maintenance.
Loyalty Save money if you add a second (newer) bike to your policy or if you’ve been with HD Insurance for over a year.
Multicycle Insure more than one motorcycle with Harley Davidson.

As mentioned earlier, one thing that is conspicuously absent from the list is a discount on auto and motorcycle insurance. Since Harley Davidson does not currently provide auto insurance, there is no possibility of receiving a value of this kind from the company. This is a standard discount offered by some motorcycle insurance carriers, including Geico and Progressive, amongst others.

Contact information for Harley Davidson Insurance

Phone: 800-909-8393

Monday–Saturday: 7 a.m.–11 p.m. CT

Sunday: 8 a.m.–7 p.m. CT

Please feel free to contact us for any insurance-related inquiries or assistance.

My Final Words:

Overall, Harley Davidson Insurance is an excellent choice for those looking to insure their Harley Davidson motorcycle. With its wide range of coverage options, discounts, and excellent customer service, it’s clear that HD Insurance is dedicated to providing riders with the coverage and support they need.

However, as with any insurance provider, it’s essential to research and compare quotes before making a final decision. By choosing the right insurance provider, you’ll be able to hit the road with peace of mind, knowing that you and your bike are fully protected.

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