Affordable Harley-Davidson Motorcycle Insurance Companies (2022)

If you've just bought a Harley-Davidson motorcycle and need to buy motorcycle insurance, consider Harley-Davidson Insurance, Dairyland, or other great insurance companies like Nationwide. Most motorcycle insurance companies offer excellent coverage that can keep you protected no matter where the road takes you. When you shop online for motorcycle insurance quotes, compare Harley-Davidson Insurance to other companies so you can find the best policy for your needs.

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Written by
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Farmers CSR for 4 Years
UPDATED: 2022-03-02T15:18:23.691Z
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Editorial Guidelines: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

What You Should Know

  • You can shop online for cheap motorcycle insurance quotes
  • Younger riders can buy affordable insurance through Dairyland
  • Harley-Davidson Insurance offers a discount to H.O.G. members

When the sun is shining there’s no better feeling than hopping on your Harley and going for a ride. Of course, before you rev up the engine, you need to be sure that you have an active motorcycle insurance policy.

Motorcycle insurance is incredibly important as it can help you get financial assistance if you ever need to repair your Harley after an accident or need to be reimbursed for lodging costs if your motorcycle was damaged while far from home.

If you don’t currently work with a motorcycle insurance company, Harley-Davidson Insurance (or a number of other reputable insurance companies) can help you get the protection you need to stay safe while out on the road.

Keep reading to discover if motorcycle insurance rates from Harley-Davidson Insurance beat the competition and how to get the best insurance for your needs.

You can determine if Harley-Davidson Insurance is the right company for you when you enter your ZIP code to start comparing free quotes.

Who is the best motorcycle insurance company?

The best insurance company will always change depending upon the needs of each individual rider. However, you can refine your search for a good insurance policy by limiting your options to some of the best motorcycle insurance companies in the business.

When you begin your search to buy motorcycle insurance consider Harley-Davidson Insurance or any of the companies listed below:

  • Progressive
  • Markel
  • Nationwide
  • Dairyland

Not only do these companies provide the coverage you need to be street legal, but the rates by these companies are also very affordable which is great news if you’re on the hunt for the cheapest motorbike insurance you can find.

Let’s take a closer look at these companies so you can have all the information you need to pick the best insurance policy for you.


If you purchase a motorcycle insurance policy through Progressive, you’ll get full replacement cost and no depreciation for parts along with accessories and custom parts/equipment (CPE) at no extra cost.

That alone is a great reason why you shouldn’t only get motorcycle insurance quotes from Harley-Davidson Insurance. On top of that, if you purchase just liability coverage from Progressive you could pay as little as $9 per month.


Purchasing motorcycle insurance with GEICO grants you access to great coverages, like helmet coverage. And you can even choose to pay for your policy in four, six, or nine installments, but with the average monthly rate for liability coverage coming out at $11 per month, you may be able to pay for your policy all at once.


Markel also has an average liability rate of only $11 per month which makes this a great company for those who are looking to save money. You can also choose to buy mechanical breakdown coverage and roadside assistance from Markel to complete the maximum amount of protection for you and your Harley.


Nationwide has been in the business of providing reliable insurance coverage for motorcyclists for years. You could pay as little as $13 per month for liability coverage with this company.

Even better, Nationwide offers motorcyclists a vanishing deductible. That means that every year you drive safely and have no accidents while owning a Nationwide policy, $100 could drop off your deductible at a time with a $500 cap.


The average monthly rate for a liability policy with Dairyland is $14, but you can purchase a full coverage policy through this company if you have just bought a brand new Harley-Davidson motorcycle.

Dairyland is also one the most inexpensive insurance companies for young riders. For example, a full coverage policy is $50 per month on average for an 18 year old rider, but a full coverage policy through Nationwide would cost that same ride $157 per month.

Harley-Davidson Insurance

You can get very affordable motorcycle insurance through Harley-Davidson Insurance. On average, liability coverage with this company is about $14 per month, but if you would like to get a more full-bodied insurance policy, you can purchase some excellent coverages with Harley-Davidson.

For example, you can choose to buy rental reimbursement coverage or guest passenger liability so anyone who takes a ride with you can be protected.

Now if you’re looking for an insurance company that offers good coverage, great rates, and excellent customer service, you should read GEICO or Harley-Davidson Insurance reviews or check out each of these companies’ ratings on the Better Business Bureau.

How do I get cheap Harley-Davidson insurance?

You can get inexpensive H-D insurance by making sure that you make all your payments on time and that your driving record is free of any moving violations like speeding or failing to stop at stop signs.

Not only will this increase your chances of making it home safely whenever you're out on the road but insurance companies, including Harley-Davidson Insurance, view safe drivers as a lower risk and award them cheaper rates as a result.

How do I get cheap Harley-Davidson insurance when my riding habits are a bit questionable?

If you don't have a pristine driving record and are worried that your rates will be too high, you can always look to see if you qualify for any of the various discounts that Harley-Davidson Insurance offers.

For instance, if you own a Harley and decide to join the Harley Owners Group (H.O.G), you could see your rates fall. You can also get a discount for owning your own home, being an active-duty servicemember or veteran, and even for being in law enforcement.

You can even get a rate reduction if you have years of experience riding a motorcycle.

Affordable Harley-Davidson Motorcycle Insurance Companies: The Bottom Line

Losing yourself in the roar of your Harley as you dash along the highway is a thrilling feeling. Don't let that feeling end by getting a fine for driving without an active motorcycle insurance policy.

You can get affordable policies from a variety of reputable companies like Nationwide, Dairyland, Harley-Davidson Insurance, and more. When you begin shopping for a motorcycle insurance policy, consider how much your bike costs and how far you typically ride your motorcycle so you can get the right amount of coverage for your needs.

If you're excited to find out if Harley-Davidson provides the best quotes, enter your ZIP code to receive free motorcycle quotes from other insurance companies near you.

Frequently Asked Questions

Should you buy a new or used Harley-Davidson motorcycle?

The new vs used Harley motorcycle is a constant struggle for motorcycle enthusiasts. If you are a new rider, you may want to purchase a used Harley-Davidson motorcycle even if you have longed for your own motorcycle for quite some time. Used models tend to be cheaper which could be a positive feature for individuals who are still learning how to master the art of riding a motorcycle.

How can new riders get cheap insurance?

Unfortunately, younger and more inexperienced motorcyclists will always face paying higher rates, but new riders can take steps to reduce their rates. You can participate in the H-D Riding Academy offered by Harley-Davidson. This is a skills course that also doubles as a discount if you complete the course.

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