Harley Davidson Motorcycle Insurance 2026 – Rates & Best Companies

✍️ BeSecuredNow Editorial Team | 📅 August 2026 | ⏱️ 5 min read

Key Takeaway: Harley Davidson Insurance (underwritten by Markel) offers the best agreed-value coverage for HD bikes. Progressive is the top choice for competitive pricing and widest availability. State Farm is best for bundling with auto. Harley-Davidson models are high theft targets — always include comprehensive coverage.

Harley Davidson Insurance Rates by Model (2026)

Model	MSRP Range	Avg Annual Insurance	Theft Risk
Sportster S (1250cc)	$14,999	$800–$1,200/yr	High
Softail Standard	$13,999	$700–$1,100/yr	High
Street Glide	$24,999	$1,000–$1,500/yr	Very High
Road Glide	$26,999	$1,100–$1,600/yr	Very High
Fat Boy	$19,999	$900–$1,300/yr	High
CVO Limited	$43,999	$1,500–$2,200/yr	Very High

Best Insurers for Harley Davidson

🏆 Harley-Davidson Insurance (Markel) — Best Agreed Value

Harley-Davidson's own insurance program (underwritten by Markel) offers agreed-value coverage — if your bike is totalled, you receive the agreed amount with no depreciation argument. Also covers accessories and custom parts up to $30,000 by default — essential for heavily customised HD bikes. Best for: owners with significant customisations or high-value touring models.

🥈 Progressive — Best Overall Pricing

Progressive is consistently competitive on Harley Davidson insurance pricing, especially for Sportster and Softail models. Covers custom parts and accessories up to $3,000 by default (extendable). The Snapshot telematics program can further reduce premiums for low-mileage riders. Best for: most HD owners wanting the best combination of price and coverage.

🥉 Dairyland — Best for High-Risk Riders

If you have prior violations, a DUI, or multiple claims, Dairyland specialises in covering riders that standard carriers decline. Rates are higher but they write policies others won't. Best for: HD owners with imperfect driving records who've been declined elsewhere.

Harley Davidson-Specific Coverage Considerations

Agreed value vs actual cash value: HD bikes depreciate — agreed-value coverage locks in a payout amount upfront, avoiding disputes at claim time
Custom parts and accessories: Chrome upgrades, custom seats, exhaust systems, and electronics add thousands in value — standard policies cap accessory coverage at $3,000; HD Insurance and Markel offer $30,000+
Theft coverage: Harley Davidson is consistently the most-stolen motorcycle brand — comprehensive coverage is non-negotiable
Roadside assistance: Touring bikes (Street Glide, Road Glide) are often ridden long distances — HD Roadside Assistance or policy add-on is worth the small premium

Frequently Asked Questions

Is Harley Davidson insurance expensive?

HD bikes cost more to insure than average-sized motorcycles due to their higher values, high theft rates, and powerful engines. Expect $700–$1,500/year for full coverage depending on model. Sporting and CVO models at the top of the range can push $2,000+/year. Cruiser and Sportster models are generally on the lower end of the range.

Does Harley Davidson have its own insurance?

Yes — Harley-Davidson Insurance Services offers motorcycle insurance underwritten by Markel Insurance Company. It's specifically designed for HD bikes with agreed-value coverage and generous custom parts limits. Worth comparing against Progressive and State Farm — HD Insurance is competitive for high-value touring and CVO models but may not always be cheapest for base Sportster/Softail models.

What coverage do I need for a Harley Davidson?

At minimum: liability at 50/100/50 or higher, comprehensive (theft is very common for HD bikes), collision (HD bikes are expensive to repair), and custom parts and accessories coverage above $3,000 if you've added accessories. Medical payments is also strongly recommended. Agreed-value coverage is worth adding for any bike over $15,000.