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Harley-Davidson Insurance features
- Bike replacement cost if a new bike is totaled.
- Optional equipment replacement cost for accessories and custom parts.
- Genuine H-D parts used for repairs when available.
- Policies underwritten and claims handled by a member of the Sentry Insurance Group; quotes provided through Harley-Davidson Insurance Services.
Harley-Davidson Insurance advises against pausing cover during off-season storage; see our winter storage guide for the trade-offs.
Harley-Davidson Insurance discounts
| Discount | How to qualify |
|---|---|
| H.O.G. member | Harley Owners Group membership |
| H-D Riding Academy | New Rider Course or other safety training in the last five years |
| Motorcycle endorsement / experienced rider | Licensed endorsement and years of riding |
| New bike | Insuring a newly purchased bike |
| Multi-cycle / loyalty | Several bikes, or more than a year as a customer |
| Home ownership / bundled protection | Owning an insured home; other H-D products |
| Claim-free renewal / prompt payer | No at-fault accidents; on-time payments |
| Anti-theft | Alarm, LoJack or similar |
| Military and law enforcement | Active or retired |
| Paid in full | Pay annually; savings of 50% or more for some eligible riders |
Source: Harley-Davidson Insurance. Not available in all states or situations.
Insuring a Harley with another company
Mainstream insurers also suit Harley owners:
- Progressive includes $3,000 of accessory cover with full coverage (up to $30,000 available) and pays full MSRP, minus the deductible, for eligible new bikes after a total loss.
- Dairyland offers optional equipment cover, OEM parts and replacement cost on bikes two model years old or newer.
- GEICO offers multi-bike, mature rider and safety course discounts.
See our insurer comparison.
Touring and long-distance riding
Many Harley owners ride long distances, so roadside assistance and trip interruption cover are worth checking. Progressive, for example, pays up to $500 for trip interruption if your bike breaks down far from home, and Dairyland offers trip interruption for breakdowns more than 100 miles from home. If you carry a passenger, confirm guest passenger liability and medical payments limits. For riding gear and items in your saddlebags, ask about carried contents cover.
What to compare
- Accessory limits: list chrome, pipes, seats, bags and paint with receipts.
- Total-loss terms: replacement cost, MSRP or actual cash value.
- Parts: genuine H-D or OEM parts versus aftermarket.
- Passenger cover if you ride two-up.
- Price after all discounts; touring bikes with costly accessories are pricier to insure. See average costs.
Older Harleys (25 years or more) may be better suited to classic motorcycle insurance with agreed value.
Frequently asked questions
Who underwrites Harley-Davidson Insurance?
Policies are underwritten and claims handled by a member of the Sentry Insurance Group.
Does Harley-Davidson Insurance use genuine parts?
Yes. Genuine H-D parts are used for repairs when available.
Is there a H.O.G. discount on Harley insurance?
Yes. Harley-Davidson Insurance discounts H.O.G. members.
Do I have to insure my Harley with Harley-Davidson Insurance?
No. Progressive, Dairyland, GEICO and others insure Harleys; compare features and prices.
How do I insure my Harley’s custom parts?
Add accessory or optional equipment cover with a limit high enough for your upgrades, and keep receipts.
Sources
- Harley-Davidson Insurance – What motorcycle insurance covers
- Harley-Davidson Insurance – Discounts
- Progressive – Motorcycle coverages
- Dairyland – Motorcycle coverages
- GEICO – Motorcycle insurance discounts
- MoneyGeek – Average cost of motorcycle insurance (Oct 2026)
Insurance prices, discounts and rules change often and vary by state. Figures were checked in October 2026; confirm details with the insurer or your state insurance department.