Harley Davidson Insurance has protected riders for more than 20 years. It is an affiliate of Harley-Davidson Inc., but the policies are placed through a partnership with Dairyland. Dairyland is a Sentry Insurance company. That structure matters, because Sentry carries an A+ (Superior) financial strength rating from AM Best. The program is sold in 48 states. Riders in Alaska, Hawaii, and Washington, D.C. cannot buy a policy. However, you do not need a Harley to qualify. The company writes most makes and models, including metric cruisers, sport bikes, scooters, mopeds, trikes, autocycles, and bikes over 25 years old. Reported average premiums run near $302 a year, or roughly $25 per month.
Harley-Davidson Insurance motorcycle Coverage Options
The base policy starts with bodily injury and property damage liability. Guest passenger liability is included, which covers injuries to the person riding behind you when you are at fault. Uninsured and underinsured motorist coverage is available too. That includes UM property damage in most states, which pays for bike damage caused by an uninsured driver. For example, a hit-and-run at a stoplight would fall here.
Collision covers your bike after a crash or a tip-over. Comprehensive covers theft, fire, vandalism, hail, and animal strikes. Theft matters more on two wheels than four. Harley Davidson Insurance uses OEM parts for repairs where possible, which protects resale value and factory fitment. Bike replacement cost coverage is the standout option. If your new bike is totaled, you get a replacement rather than a depreciated cash payout.
Several motorcycle-specific add-ons round out the policy. Optional equipment coverage insures saddlebags, exhaust, chrome, audio, and custom paint. Replacement cost applies to that equipment as well. Roadside assistance covers towing, flat tires, dead batteries, lockouts, and fuel delivery. Rental reimbursement and trip interruption coverage help when a breakdown strands you far from home. In most cases, trip coverage triggers when the loss happens more than 100 miles out.
Harley-Davidson Insurance Discounts Available
Discount stacking is where this program competes hardest. H.O.G. members get a membership discount, and Riding Academy graduates get a training discount. A motorcycle endorsement earned through an approved safety course also earns credit. Multi-bike discounts apply if you insure more than one motorcycle. Homeowners receive a discount even without bundling home coverage. Military and law enforcement riders qualify for their own credit.
Loyalty and history discounts build over time. Riders with more licensed years on record pay less. A claim-free renewal earns a discount, and customers who stay past one year get a loyalty credit. Transfer discounts reward proof of prior insurance. New bike discounts apply to recent model-year purchases. Paying in full and going paperless usually shaves a few more dollars off the premium.
Harley Davidson Insurance does not publish exact percentages for each discount. That is normal in this segment, since credits vary by state filing. The combined effect still shows up in the averages. One review found rates near $24 per month, about 29% below the national motorcycle average. Typically, cruisers and touring bikes price best, while sport bikes price worst.
Harley-Davidson Insurance Customer Ratings and Satisfaction
There is no J.D. Power study dedicated to motorcycle insurance. J.D. Power published its 2026 U.S. Auto Insurance Study in June 2026, but motorcycle carriers are not ranked there. As a result, riders should weight financial strength and complaint data more heavily. AM Best rates Sentry Insurance, the parent behind the underwriting, A+ (Superior). That is the second-highest rating available and has held for decades.
NAIC complaint data is mixed. Dairyland’s motorcycle complaint index has been reported near 0.48, roughly 52% below the expected baseline of 1.00. However, the company’s private-passenger auto index has run around 1.49, or 49% above expected. Motorcycle policyholders appear to complain far less than auto policyholders. Still, the auto figure is a fair warning sign about service standards.
Third-party review scores are weaker than the financial ratings. Both Harley-Davidson and Dairyland hold A+ BBB accreditation-level grades, yet BBB customer reviews average near 1.02 out of 5. Review sites skew negative across the whole industry, so treat that number carefully. The Dairyland mobile app scores about 2.6 stars on iOS and 3.8 stars on Google Play. Claims reporting runs 24/7/365 by phone.
Harley Davidson Insurance Pros and Cons
Pros:
- Bike replacement cost and OEM parts repair, so a totaled new bike is not settled at depreciated value
- Rider-specific discounts stack, including H.O.G. membership, Riding Academy training, multi-bike, and claim-free renewal
- Competitive pricing near $302 per year, well under typical full-coverage motorcycle averages
Cons:
- Not sold in Alaska, Hawaii, or Washington, D.C., leaving riders in three markets without access
- Underwriter Dairyland has posted an auto NAIC complaint index around 1.49, above the 1.00 baseline
- The mobile app rates only about 2.6 stars on iOS, and there is no motorcycle-specific J.D. Power ranking
Who Should Choose Harley-Davidson Insurance?
Cruiser and touring riders benefit most. If your bike carries chrome, bags, a stereo, and custom paint, optional equipment replacement cost is worth real money. Harley Davidson Insurance also fits riders who finance a new bike. Replacement cost coverage helps you avoid a gap between the payout and the loan balance after a total loss.
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H.O.G. members and Riding Academy graduates should get a quote before renewing elsewhere. Those two discounts are not available from most competitors. Riders with several bikes in the garage also do well here. For example, a rider with a touring bike and a project bike can combine multi-bike and homeowner credits on one policy.
Sport bike riders and riders with recent violations may find better pricing elsewhere. Riders who want a polished app and heavy digital self-service should also compare options. Harley Davidson Insurance leans on phone-based service more than app-based service. Always compare at least three motorcycle quotes before you buy.
Frequently Asked Questions
Do I need to own a Harley to buy Harley Davidson Insurance?
No. The program writes most makes and models, including metric cruisers, sport bikes, scooters, trikes, and autocycles. Custom bikes and models over 25 years old can also be covered.
Who actually underwrites Harley Davidson Insurance policies?
Coverage is placed through a partnership with Dairyland, a Sentry Insurance company. Sentry holds an A+ (Superior) AM Best rating. Harley-Davidson Insurance operates as an affiliate of Harley-Davidson Inc.
How much does Harley Davidson Insurance cost per month?
Reported averages land near $24 to $25 per month, or about $302 a year. However, your rate depends on state, age, bike type, and riding record. Sport bikes typically price higher than cruisers.
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Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed July 2026. If you notice any outdated information, please contact us.