How much does motorcycle insurance for a Harley-Davidson cost?

Progressive motorcycle insurance policies start at $75 per year. * Your cost for motorcycle insurance depends on your type of Harley-Davidson, coverage selection, location, riding history, age, and other factors.

Does motorcycle insurance cover theft of a Harley-Davidson?

If your bike is stolen, Progressive can pay you the fair market value of your Harley-Davidson, minus your deductible. Add comprehensive coverage to your motorcycle insurance policy, and your motorcycle may be covered against theft and other incidents beyond your control.

What do you need to get a motorcycle insurance quote for a Harley-Davidson?

You can get an accurate motorcycle insurance quote if you know your Harley-Davidson model. Any family members that regularly ride your motorcycle should be added to your quote so you're adequately covered. You need the vehicle identification number (VIN) to purchase a policy.

Insurance for Harley-Davidson riders

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Get customized coverage for you and your Harley-Davidson

From a seat upgrade to mini saddlebags, you've invested in your Harley-Davidson motorcycle and need the right protection for you and your bike. As bike experts, we take pride in helping you build a policy that's personalized to your one-of-a-kind ride.

Discounts with a ton of horsepower

Your Harley-Davidson may have been expensive, but that doesn't mean your motorcycle insurance has to be. Our discounts can bring down the cost of motorcycle insurance. Here are a few you may earn.^**

Featured

Pay on time

We automatically apply this discount with your first policy, and you'll receive it at each renewal if you continue to pay on time.
Motorcycle endorsement

Do you have a motorcycle endorsement on your driver's license? You could save even more.
Multi-policy

Bundle insurance and save — get a discount if you have auto, homeowners, renters, RV, or boat insurance with us.

See all motorcycle discounts

Why riders trust Progressive

Expertise

We know bikes

Progressive insures all types of Harley-Davidson motorcycles.
Service

Dedicated assistance, 24/7

For more than 50 years, we've specialized in handling claims for riders across the country.
Community

It's always bike week

We love bikes, too, so we sponsor the world's largest consumer motorcycle show tour.

Motorcycle insurance for every type of ride

Here are some common Harley-Davidson types we cover:

Gain extra coverage for your Harley-Davidson at no extra cost

If you have comprehensive and collision coverage on your Progressive motorcycle policy, we automatically include complimentary accessories and custom parts/equipment (CPE) coverage for your bike. That means any chrome, upgrades, and other customizations you add can be covered up to $3,000 (with the option to purchase additional accessory coverage up to $30,000).

Coverages built for you and your Harley-Davidson

From cruisers to custom hogs, we can customize coverage to match your bike. Cover your bike, wallet, and others on the road with these coverages and more:

Required

Liability

Protects your wallet if you cause an accident

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Motorcycle liability coverage is required in nearly every state to ride legally. If you're liable in an accident, liability coverage can pay for property damage, injuries you cause to others, and legal expenses.

Example: You lose control of your Harley and collide with a parked car. Liability coverage can pay for repairs to the damaged car, up to your policy's property damage liability limit.

Recommended

Comprehensive & collision

Protects your Harley-Davidson against accidents and more

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Motorcycle comprehensive coverage protects your bike against incidents out of your control, like theft, vandalism, fire, and weather.

Example: While in storage for the winter, your Harley-Davidson is vandalized inside your storage unit. Comprehensive may pay to repair the damage, minus your deductible.

Motorcycle collision coverage covers damage to your bike if you collide with an object or vehicle.

Example: Your bike is damaged after a minor collision with a guardrail. Collision can cover the repair cost, minus your deductible.

Included

OEM parts

Repairs your bike with the right parts

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We use your Original Manufacturer (OEM) parts when repairing your Harley-Davidson after a covered accident, not aftermarket parts. And if your parts are customized, Progressive uses custom parts for repairs. OEM coverage is automatically included if your policy has comprehensive and collision.

Example: Your bike's rear performance tires are damaged beyond repair in an accident. Progressive can pay to replace the tires, minus your deductible.

Total loss coverage for a new motorcycle

Protects new bikes against depreciation

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If you total your new Harley-Davidson motorcycle, Progressive can pay the full manufacturer's suggested retail price for a brand-new bike, minus the deductible on your policy. Your motorcycle must be no more than one model year old on a new policy or two model years old during the renewal of a policy with total loss coverage.

Example: You recently paid $30,000 for a new Harley-Davidson, but now it's worth $24,000. If it's totaled in a covered loss, and the latest model costs over $30,000, we'll pay you that amount. Your policy will cover the actual cash value of your bike if your motorcycle isn't eligible for total loss coverage at renewal.

See all motorcycle coverages

Is motorcycle insurance required?

While each state has its own motorcycle requirements, liability coverage is required by law in nearly every state. If you finance or lease your bike, your lender typically requires comprehensive and collision coverage. Find out what your state requires for motorcycle insurance.

FAQs for insuring your Harley-Davidson

If a passenger (must be a non-relative) sustains an injury in a bike accident, guest passenger liability coverage may pay for their injuries up to your coverage limits. Depending on your state, guest passenger liability coverage is either part of your bodily injury liability coverage or a separate coverage. If the other motorist is at fault, their insurance may pay for your passenger's injuries.