Compare Harley-Davidson motorbike insurance
As one of the most well known motorbike brands of all time, Harley Davidson has achieved legendary status that appeals to all motorbike enthusiasts.
Make sure your bike is properly protected by finding the right motorbike insurance policy for you and your bike.
1Correct as of April 2026
How much is insurance for a Harley-Davidson?
The average price of Harley Davidson motorbike insurance is £277*.
Motorcycle insurance tends to get cheaper as you get older, but there are a few factors that affect the price you’ll pay. These include:
Where you live
Areas with higher crime rates usually drive up the cost of bike insurance.
Your riding history
If you have no penalty points or convictions, your insurance is usually cheaper.
The size of your motorbike’s engine
A larger engine means the bike is faster and more powerful, which increases the risk of having an accident. This increases insurance costs.
The value of your motorcycle
More expensive bikes tend to cost more to insure. This is because of the higher cost to repair or replace them after an accident.
Motorbike security
Increasing security on your bike helps to lower the risk of it being stolen.
Any motorbike modifications
Modifications tend to increase the cost of bike insurance. You must declare any bike modifications to your insurance provider otherwise any future claims may be invalid.
How can I save on my Harley-Davidson motorcycle insurance?
If you're looking for ways to save on your motorbike insurance, some tips include:
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Take a motorcycle safety course: Getting an advanced rider qualification helps you become a safer rider, and some insurers may offer a discount to your policy if you have it. It’s a good idea to talk to your insurer first to find out what training bodies they recognise.
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Insure multiple bikes under one policy: If you have multiple motorbikes for different purposes, multi-bike insurance can be a great way to save.
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Remove pillion cover if you don’t need it:If you never have passengers on your motorbike, then you should let your insurer know. This can cut costs as pillions are an added risk for insurers.
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Increase your voluntary excess: Increasing your excess can help decrease motorbike insurance costs. Just make sure you're able to afford this amount if you were to make a claim, though.
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Shop around: Comparing quotes from multiple providers will ensure you find the best deal.
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Pay annually: Avoid paying monthly interest fees by paying for your motorbike insurance annually.
Different levels of Harley-Davidson motorbike insurance
What your Harley-Davidson motorbike insurance covers depends on the level of insurance you take out. There are three levels to choose from:
Third-party
Third-party, fire and theft
Comprehensive
What optional extras can I get with my motorbike insurance?
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Motorbike breakdown cover is usually available with most providers.
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Personal accident cover provides protection if you're involved in an accident and get seriously injured.
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Legal expenses cover helps protect you against legal costs if you're involved in an accident.
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Pillion cover provides additional cover if you carry a passenger on your Harley-Davidson.
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Sidecar cover might be included on your policy, but if not you can usually add it.
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Helmet and leathers cover covers the cost of your helmet and leathers if they're damaged in an accident.
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