Harley Davidson Insurance | Amazing Guide Ratings, Discounts and Coverages

Harley Davidson Insurance | Amazing Guide Ratings, Discounts and Coverages

Explore Harley Davidson Insurance, a specialized provider of motorcycle coverage affiliated with the iconic brand. Discover customer ratings, discounts, and coverages to tailor your policy.

Harley Davidson Insurance is an insurance provider that specializes in offering coverage for motorcycles and related products. This insurance company is closely affiliated with the iconic Harley-Davidson motorcycle brand, which is renowned for its high-quality bikes. In this article, we will delve into the details of Harley Davidson Insurance, including customer ratings, available discounts, and the range of coverages they offer.

Customer Ratings

Freedom Harley-Davidson® of Ottawa

Customer ratings are an essential aspect of evaluating an insurance company’s performance. While specific customer experiences may vary, Harley Davidson Insurance generally receives positive feedback from policyholders. Customers often appreciate the company’s expertise in motorcycle insurance and its strong association with the Harley-Davidson brand.

The customer ratings for Harley Davidson Insurance may include factors such as:

  1. Customer Service: Many policyholders praise the company’s customer service, noting the professionalism and responsiveness of its representatives.
  2. Claims Process: A smooth and efficient claims process is crucial for policyholders. Harley Davidson Insurance is generally recognized for its ability to process claims quickly and fairly, helping customers get back on the road after an accident.
  3. Coverage Options: Customers often appreciate the diverse range of coverage options tailored specifically for motorcycles and related products.
  4. Overall Satisfaction: High levels of overall customer satisfaction are common among those who choose Harley Davidson Insurance for their motorcycle insurance needs.


Harley Davidson Insurance offers several discounts that can help policyholders save on their insurance premiums. These discounts may include:

  1. Multi-Policy Discount: If you have multiple insurance policies with Harley-Davidson, such as motorcycle and auto insurance, you may be eligible for a discount on both policies.
  2. Safe Rider Discount: Riders who have completed approved safety courses or have a history of safe riding can benefit from lower premiums.
  3. Mature Rider Discount: Older riders with years of experience may qualify for discounts.
  4. Membership Discounts: Being a member of certain motorcycle clubs or organizations may make you eligible for additional savings.
  5. Loyalty Discounts: Staying with Harley Davidson Insurance for an extended period can earn you loyalty discounts.


Harley Davidson Insurance offers a variety of coverage options to suit the needs of motorcycle enthusiasts. These coverages include:

  1. Liability Insurance: This covers bodily injury and property damage for which you are legally responsible in the event of an accident.
  2. Collision Coverage: This helps pay for damage to your motorcycle in the event of an accident, regardless of fault.
  3. Comprehensive Coverage: This covers damage to your motorcycle from non-accident-related incidents, such as theft, vandalism, or natural disasters.
  4. Uninsured/Underinsured Motorist Coverage: This protects you if you are involved in an accident with a driver who is uninsured or underinsured.
  5. Accessory Coverage: This can help replace or repair motorcycle accessories like custom parts, gear, and equipment.
  6. Roadside Assistance: Harley Davidson Insurance offers optional roadside assistance, which can be invaluable if you experience a breakdown or other roadside emergency.

It’s important to note that the availability of these coverages and discounts may vary by state and individual circumstances. Therefore, it’s advisable to consult with a Harley Davidson insurance agent to customize a policy that best suits your needs.

What more should you know about Harley Davidson Insurance?

To gain a more comprehensive understanding of Harley Davidson Insurance, it’s essential to know additional details about the company, its unique features, and the factors that set it apart from other motorcycle insurance providers.

  1. Harley-Davidson Brand Affiliation: Harley Davidson Insurance is closely associated with the legendary Harley-Davidson motorcycle brand. This affiliation allows the company to have an in-depth understanding of the specific insurance needs of Harley-Davidson motorcycle owners. They cater to the unique requirements of these premium bikes and their riders.
  2. Specialized Motorcycle Coverage: Harley Davidson Insurance specializes in motorcycle insurance. Their policies are tailored to address the particular risks and needs associated with riding motorcycles, ensuring that Harley-Davidson riders have coverage that suits their lifestyle and the type of motorcycles they own.
  3. Exclusive Motorcycle Models: Harley Davidson Insurance may offer coverage options that are exclusive to Harley-Davidson motorcycle models. This could include coverage for unique Harley-Davidson customizations and accessories, which are an integral part of the Harley-Davidson experience.
  4. Insurance for Custom Bikes: Harley-Davidson enthusiasts often customize their bikes extensively. The company understands this and can provide insurance options that cover custom parts and accessories, ensuring that the value of these enhancements is protected in the event of a claim.
  5. Dedicated Customer Support: Harley-Davidson Insurance typically provides specialized customer support for motorcycle owners. Their representatives are often knowledgeable about Harley-Davidson motorcycles and can assist customers with policy questions and claims specific to these bikes.
  6. Claims Process: The claims process with Harley Davidson Insurance is designed to get riders back on the road as quickly as possible. This is particularly important for motorcycle enthusiasts who rely on their bikes for daily commutes or leisure rides.
  7. International Coverage: If you are planning to take your Harley-Davidson motorcycle on international trips, it’s important to check if Harley Davidson Insurance offers coverage that extends beyond national borders. This can be a valuable feature for riders who like to explore different countries on their motorcycles.
  8. Availability and Regional Differences: Harley-Davidson Insurance may not be available in all states or regions. It’s crucial to check if the company offers coverage in your specific area and whether there are any regional differences in policies or offerings.
  9. Insurance Bundling: Like many insurance providers, Harley-Davidson Insurance may offer the option to bundle motorcycle insurance with other types of coverage, such as auto insurance or homeowners insurance. Bundling can often lead to additional discounts.
  10. Online Tools and Resources: Harley-Davidson Insurance may provide online tools and resources to help customers manage their policies, access account information, and obtain quotes. These online resources can make it more convenient to interact with the company.

Before choosing Harley-Davidson Insurance, it’s advisable to thoroughly research the company’s policies and offerings, compare them with other motorcycle insurance providers, and assess how well they align with your specific needs and preferences as a motorcycle owner. Additionally, reading reviews and seeking recommendations from fellow riders can provide valuable insights into the overall customer experience with the company.

What states does Harley Davidson Insurance do business in?

As of my last knowledge update in January 2022, Harley Davidson Insurance provided motorcycle insurance in several U.S. states. However, the availability of their insurance services can change over time due to business decisions and regulatory requirements. To determine the current list of states where Harley-Davidson Insurance operates, you should visit their official website or contact their customer service directly. Insurance providers often update their service areas, so it’s essential to verify the most current information specific to your location.

Certainly, as of my last update in January 2022, I can’t provide an up-to-date list of states where Harley-Davidson Insurance does business. To find the most current information regarding their service areas, I recommend the following steps:

  1. Visit their website: Harley-Davidson Insurance’s official website is a reliable source for the most up-to-date information. Most insurance companies provide a tool or feature that allows you to check if their services are available in your state.
  2. Contact Customer Service: If you need help finding the information you need on their website, it’s advisable to contact their customer service directly. You can inquire about their services, availability, and any state-specific information.
  3. Independent Insurance Agents: You can also consider reaching out to independent insurance agents or brokers in your area who may have information on whether Harley Davidson Insurance operates in your state.

It’s important to verify the current availability of Harley-Davidson Insurance in your state, as insurance companies may expand or limit their coverage areas over time. Additionally, state-specific regulations can also impact the availability of insurance providers in certain regions.

Learn More about Harley Davidson Insurance

To learn more about Harley Davidson Insurance, it’s important to delve into various aspects of the company, including its history, types of insurance offered, additional services, and what sets it apart from other insurance providers. Here’s an overview:

History and Background

Harley Davidson Insurance is a subsidiary of Harley-Davidson Financial Services (HDFS), a branch of the iconic motorcycle manufacturer, Harley-Davidson. It was established to provide insurance solutions tailored specifically for Harley-Davidson motorcycle enthusiasts. The company benefits from its deep-rooted association with the Harley-Davidson brand and its extensive knowledge of the motorcycle industry.

Types of Insurance Offered

  1. Motorcycle Insurance: The primary focus of Harley Davidson Insurance is motorcycle insurance. They offer a range of coverage options designed to address the unique needs and risks associated with riding motorcycles. These coverages typically include liability, collision, comprehensive, and more.
  2. Accessories Coverage: Recognizing the importance of customization among Harley-Davidson owners, the company provides coverage for custom parts, accessories, and gear. This ensures that the value of these enhancements is protected in the event of theft, damage, or loss.
  3. Roadside Assistance: Harley Davidson Insurance often offers optional roadside assistance, which can be a valuable add-on for riders who may encounter breakdowns, flat tires, or other emergencies while on the road.

Unique Features

  1. Motorcycle Expertise: Harley Davidson Insurance is known for its expertise in motorcycle insurance. They understand the distinct requirements and risks of owning and riding motorcycles, particularly Harley-Davidson models.
  2. Claims Process: The company emphasizes a smooth and efficient claims process. This is crucial for motorcycle owners who want to get back on the road as quickly as possible after an accident.
  3. Specialized Customer Support: Harley-Davidson Insurance often provides dedicated customer support for motorcycle owners. Their representatives are typically knowledgeable about Harley-Davidson motorcycles and can assist customers with policy-related questions and claims specific to these bikes.
  4. Affiliation with Harley-Davidson: Being associated with the renowned Harley-Davidson brand can be a significant draw for motorcycle enthusiasts. This affiliation often means that policies are designed with Harley-Davidson owners in mind.

Geographic Availability

The availability of Harley Davidson Insurance may vary by state and region. To determine if they offer services in your area, it’s best to visit their official website or contact their customer service directly. Insurance providers can change their coverage areas over time due to business decisions and regulatory requirements.

Online Tools and Resources

Like many modern insurance companies, Harley Davidson Insurance may provide online tools and resources to help customers manage their policies, access account information, and obtain quotes. These online resources make it more convenient for policyholders to interact with the company.

To get the most accurate and current information about Harley-Davidson Insurance, I recommend visiting their official website or contacting their customer service directly. This will enable you to access the latest details, request a quote, and inquire about their insurance offerings and services in your area.

Harley Davidson Insurance claims

Handling insurance claims, including those with Harley Davidson Insurance, is a crucial process when you’ve been involved in an accident or encountered damage to your motorcycle. Here are the general steps to guide you through the Harley-Davidson insurance claims process:

1. Ensure Safety

  • If you’ve been in an accident, prioritize Safety for yourself and others. Move to a safe location and check for injuries. Call 911 if necessary.

2. Notify authorities

  • In the case of an accident, report the incident to the local authorities, such as the police. They will create an official accident report, which can be important for your insurance claim.

3. Gather information

  • Collect essential information about the incident, such as the names and contact details of all parties involved, witnesses, and law enforcement officers. Document the accident scene with photos if possible.

4. Contact Harley Davidson Insurance

  • As soon as it’s safe to do so, contact Harley Davidson Insurance to initiate the claims process. You can typically find their claims contact information on your insurance policy or their website.

5. Provide details

  • When reporting the claim, be prepared to provide details about the incident, such as the date, time, and location, as well as a description of what happened. Include the other party’s insurance information, if applicable.

6. Claims Adjuster Contact

  • After filing the claim, you’ll likely be assigned a claims adjuster. This professional will work with you to assess the damage and guide you through the rest of the claim process.

7. Inspection and Assessment

  • The claims adjuster will assess the damage to your motorcycle, reviewing any necessary repair estimates or appraisals. They will also consider whether your policy covers the particular damage or loss.

8. Repair Process

  • If your claim is approved, the repair process can begin. You may have the option to choose a repair shop, but Harley Davidson Insurance may also have preferred repair facilities.

9. Rental Reimbursement

  • If your policy includes rental reimbursement coverage, you may be eligible for a rental motorcycle while yours is being repaired. Be sure to discuss this with your claims adjuster.

10. Resolution and Payment

  • Once the assessment is complete and repairs are done, Harley Davidson Insurance will work with you to resolve the claim. This typically involves paying to cover the cost of repairs minus your deductible.

11. Deductible Payment

  • You may need to pay your deductible before your insurance coverage kicks in. This is the amount you agreed to pay when you purchased your policy.

12. Claims Settlement

  • Once the repairs are completed and all expenses are settled, the claims process should conclude.

It’s essential to understand the details of your Harley Davidson insurance policy, including the types of coverage you have, deductible amounts, and any additional services, such as roadside assistance. Familiarizing yourself with these aspects will make the claims process smoother and help you get back on the road as soon as possible after an accident or damage to your motorcycle.

Harley Davidson Insurance Canada

As of my last knowledge update in January 2022, Harley Davidson Insurance was primarily focused on providing insurance services in the United States. However, it’s essential to note that the availability of insurance services and coverage areas can change over time, and insurance providers may expand into new regions.

For information specific to Harley-Davidson Insurance in Canada, including their services, coverage options, and availability, I recommend the following steps:

  1. Visit the official website: Check the official website of Harley Davidson Insurance or Harley-Davidson Canada for the most up-to-date information. They may provide details about their insurance services in Canada, if available.
  2. Contact Harley-Davidson Dealerships: You can also inquire about Harley-Davidson insurance in Canada by contacting local Harley-Davidson dealerships. They may have information about insurance providers that specialize in coverage for Harley-Davidson motorcycles.
  3. Independent Insurance Brokers: Independent insurance brokers in Canada who specialize in motorcycle insurance may have insights into whether Harley-Davidson Insurance or similar providers offer coverage for Canadian customers.
  4. Local Insurance Providers: Consider researching local Canadian insurance providers that offer motorcycle insurance. They may have specialized coverage options for Harley-Davidson motorcycles and other bike models.

Please keep in mind that the availability of insurance services can vary by province and territory in Canada, and it’s essential to verify the current status of Harley Davidson Insurance’s operations in the country. To obtain accurate and up-to-date information, I recommend reaching out to official sources or local representatives who can provide specific details regarding Harley-Davidson Insurance in Canada.

Harley Davidson Insurance online

If you’re looking for information about Harley Davidson Insurance online, you can follow these steps to access their services, obtain quotes, and manage your motorcycle insurance:

1. Visit the Official Harley Davidson Insurance Website

  • The most direct way to access Harley-Davidson Insurance’s online services is to visit their official website. You can do this by using your preferred web browser and entering “Harley-Davidson Insurance” or a similar search query. Once on their website, you can explore the available features and options.

2. Get a quote

  • On the website, there is typically an option to get a quote for motorcycle insurance. Click on this option and provide the required information, including details about your motorcycle, personal information, and coverage preferences. The website should guide you through the process of obtaining a personalized insurance quote.

3. Manage Your Policy

  • If you are an existing Harley-Davidson Insurance policyholder, the website often provides tools and resources for managing your policy online. This may include accessing your account, making payments, updating your information, or making changes to your coverage.

4. Contact Information

  • The website will likely provide contact information, including phone numbers and email addresses, for customer service and claim assistance. If you have specific questions or need personalized assistance, you can use this information to get in touch with their support team.

5. Online Account Access

  • Some insurance companies offer the option to create an online account for policyholders. If Harley Davidson Insurance offers this service, you can sign up for an online account to access and manage your policy online, view policy documents, and track claims.

6. Mobile Apps

  • Some insurance providers, including Harley Davidson Insurance, may offer mobile apps that allow policyholders to access their insurance information and manage their policies from their smartphones. Check your device’s app store for any official Harley-Davidson Insurance apps.

Remember that the specific online features and services provided by Harley-Davidson Insurance may vary, so it’s essential to explore their official website to access the most accurate and up-to-date information regarding their online offerings. If you have specific questions or need assistance, don’t hesitate to reach out to their customer service through the provided contact information.


Harley Davidson Insurance offers tailored coverage for motorcycle enthusiasts, backed by strong customer ratings and a range of discounts. From liability insurance to specialized coverages, we’ve covered it all. Find the ideal policy to protect your ride.


Who has the cheapest motorcycle insurance?

The cost of motorcycle insurance varies depending on several factors, including the rider’s age, location, riding history, type of motorcycle, and the coverage selected. The cheapest motorcycle insurance provider for one person may be different for another. It’s recommended to obtain quotes from multiple insurance companies and compare them to find the most affordable coverage that meets your specific needs.

What motorcycles have the most insurance?

Motorcycles that are more expensive, high-performance, or considered sports bikes typically have higher insurance premiums. These motorcycles are often more expensive to repair or replace, and they may be associated with a higher risk of accidents. However, the specific models with the highest insurance premiums can vary by insurer and location.

What is motorcycle insurance in the USA?

Motorcycle insurance in the USA provides coverage for financial protection in the event of accidents, theft, or damage to your motorcycle. It typically includes liability coverage, which pays for injuries and property damage to others, as well as coverage for your motorcycle. The specific types of coverage and requirements may vary by state.

Who has the cheapest motorcycle insurance in Texas?

The cost of motorcycle insurance in Texas, as in other states, depends on various factors. It’s essential to compare quotes from different insurance providers to find the most affordable option. Some insurance companies that are often considered for competitive rates in Texas include GEICO, Progressive, and State Farm, but rates can vary depending on individual circumstances.

How much is motorcycle insurance in the C.A.?

The cost of motorcycle insurance in California varies significantly based on factors such as your age, riding history, location, type of motorcycle, and the coverage you choose. On average, California motorcycle insurance can range from a few hundred dollars to over a thousand dollars annually. Obtaining quotes from multiple insurance providers is the best way to determine the cost of coverage specific to your situation.

What does liability insurance cover?

Liability insurance in the context of motorcycle insurance covers the costs associated with injuries or property damage you may cause to others in an accident where you are at fault. This coverage typically includes two components: Bodily Injury Liability: Pays for medical expenses, lost wages, and other costs related to injuries to other people in an accident you’re responsible for.
Property Damage Liability: Covers damage to other people’s property, such as vehicles, buildings, or other structures, for which you are at fault.

Liability insurance does not cover your own injuries or motorcycle damage. To protect your motorcycle, you would need comprehensive collision coverage in addition to liability insurance.

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