When an at-fault accident results in injury or death to others, Bodily Injury Liability can help protect you by covering medical expenses, lost wages, pain and suffering, or death-related costs.

If an at-fault accident causes damage to another person’s property — their vehicle, fence, building — this coverage steps in to help protect you financially.

Covers your motorcycle from non-collision damage: theft, fire, vandalism, weather events, and other unexpected losses. Essential for protecting a Harley you’ve invested in.

Pays for damage to your motorcycle when it hits — or is hit by — another vehicle or object, regardless of fault. Works alongside comprehensive for full bike protection.

If an uninsured driver causes an accident that injures you, this coverage helps pay your medical bills. Critical in Texas, where uninsured drivers are common on the road.

When an at-fault driver doesn’t carry enough insurance to cover your injuries, this coverage bridges the gap and helps pay your bodily injury costs.

Provides protection for your motorcycle when it’s damaged by an uninsured driver. Your bike gets fixed even when the at-fault driver can’t pay.

Helps cover medical expenses for you and your passenger after an accident — regardless of who was at fault. Covers hospital visits, treatment, and related costs.

Goes further than medical expense coverage — PIP includes wage loss, death benefits, and non-medical expenses for you or any eligible person involved in the accident, regardless of fault. Availability varies by state.

Love riding two-up? This covers your passenger for bodily injuries sustained while riding with you if the accident is your fault. A must-have for anyone who regularly rides with a passenger.

Added a custom exhaust, custom paint, upgraded audio, or aftermarket accessories? H-D Insurance covers non-factory equipment on your bike that isn’t defined as standard by your VIN. Your $1,000 in optional equipment is included at no extra charge — add more as needed.

If your motorcycle is declared a total loss, you won’t get stuck with a depreciated value. Replacement Cost coverage gets you what it actually costs to replace the bike — not what it was worth at the moment of loss.

If your bike is a total loss and your custom equipment goes with it, this coverage replaces that equipment at current cost — not a depreciated value. Works hand-in-hand with the standard Replacement Cost coverage.

Available 24 hours a day. Covers battery failures, flat tires, fuel or fluid shortages, lock-outs (lost key), mechanical and electrical breakdowns, and towing to the nearest qualified service facility — all at no charge when you need it most.

If your motorcycle breaks down more than 100 miles from home, Trip Interruption helps cover lodging, meals, and transportation costs while your bike is being repaired. Great for touring riders who hit the road for days at a time.

If your motorcycle is your primary transportation and it’s undriveable after a covered accident, Rental Reimbursement pays for eligible transportation expenses while your bike is being repaired.

Your gear is an investment. H-D Insurance includes coverage for helmets and safety apparel so if they’re damaged in an accident, you’re covered to replace them and stay protected on your next ride.

Buying brand new? You qualify for a new vehicle discount right out of the gate.

Active members of the Harley Owners Group® receive an automatic discount on their policy.

Have a motorcycle endorsement on your license from an approved riding course? That’s a discount.

The longer you’ve been a licensed rider, the more you save. Experience is rewarded here.

Complete the H-D Riding Academy New Rider Course or any approved MSF/safety course within the last 5 years to qualify.

Own a home, condo, townhouse, or mobile home with active homeowners insurance? You likely qualify.

Make all payments on time throughout your policy term and get a discount at renewal. Easy win.

No at-fault accidents during your policy period? Renew and receive a claim-free discount as a reward for safe riding.

Add H-D Protection Products like planned maintenance coverage to your policy and unlock a bundle discount.

Been with H-D Insurance for more than a year? Adding a newer bike? Your loyalty earns you a rate reduction.

Insure more than one motorcycle — any make or model — under H-D Insurance and qualify for a multi-bike discount.

Use a theft-deterrent device like an audible alarm, disc lock, or LoJack® on your bike? That’s a qualifying discount.

When your Harley needs repair after a covered claim, H-D Insurance ensures it’s repaired with Harley-Davidson® Genuine Parts — not generic aftermarket replacements. Your bike stays authentic.

H-D Insurance Services has been insuring riders for over two decades. Their licensed agents understand motorcycles — not just policies — and can tailor coverage to your actual riding life.

Competitive rates start at $15 per month. Combined with the available discount stack, many riders pay significantly less than with traditional insurers who treat motorcycles as an afterthought.

H-D Insurance writes policies in 48 states — and if you live in a covered state, you’re also covered while traveling to Alaska, Hawaii, or D.C. Ride anywhere with confidence.

You’ll need basic info about yourself and your bike — year, make, model, VIN, and your license number. Takes about 5 minutes to gather.

Choose the coverage options that fit your riding lifestyle — basic liability, full coverage, roadside assistance, optional equipment, and more. Texas requirements are shown automatically.

Review your quote, apply your discounts, and get immediate coverage. You can print or download your proof of insurance card the same day. *CERTAIN RESTRICTIONS MAY APPLY