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  • Dan Frankel

Harley-Davidson Insurance

Updated: May 25, 2022

If you are insuring a Harley-Davidson, you have some factors in your favor, and others swinging the pendulum the other way.

In your favor, there are hundreds of thousands of riders buying insurance for their Harley-Davidsons, and these bikes tend to be ridden by more mature riders in more reasonable conditions. However, Harleys can be very expensive machines and are frequently accessorized. Custom work can transform the price or value of a Harley Davidson enormously, sometimes by a factor of 3 or 4. This can make a Harley much more costly to repair – or replace.

Theft can be the biggest threat to a Harley owner; what thief wouldn’t choose a Road Glide Special over a weathered Yamaha parked in the city?

Motorcycle Insurance Discounts & Programs

Look at the numbers through the lens of an insurance company: if only 1% of the more than onee million HOG (Harley Owners Group) members made a claim, that would be 10,000+ claims. If the “average” Harley was worth $20,000, that would be more than $200 million in potential claims! Hence, the insurance is more expensive than it would be for less expensive bikes.

What can you do? Consider completing a Motorcycle Safety Foundation or Military Safety Course. Higher deductibles can reduce premiums, while multi-vehicle discounts and a winter lay-up credit may apply.

Ready to learn more?

Acacia Insurance has been helping to make the unexpected uneventful since 1988, and we look forward to working with you. Please contact us with questions and for additional information.

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