Motorcycle Insurance for Cruisers
Find the Right Cruiser Motorcycle Insurance with Roamly
Coverage Options for Harley-Davidson, Indian, Honda, and Other Cruisers, From Carriers Who Know the Road
Why Choose Roamly for Cruiser Motorcycle Insurance?
- Multiple Carriers, One Quote: For motorcycle coverage, Roamly compares policies from a panel of carriers, so you're not limited to one company's option.
- Custom Parts Options: Carriers we work with may offer custom parts and equipment coverage for the pipes, seats, bags, and performance upgrades you've added.
- Two-Up Coverage Options: Carriers we work with may offer guest passenger liability and medical payments options for the person riding behind you.
- New-Bike Replacement Options: Some carriers may replace a new bike at full MSRP after a covered total loss in its first model year or two.
- Licensed Agents Who Ride: Our licensed agents ride too, they know a Softail from a Sportster, and they'll help you compare coverage in plain language.
At Roamly, we're not just insurance agents — we're riders who know a cruiser rarely stays stock for long. New pipes, a better seat, saddlebags, and a passenger on weekend rides all change what your coverage needs to do, and we'll help you find a policy that fits the bike you actually ride.
How Much Does Cruiser Motorcycle Insurance Cost?
Cruisers are usually among the more affordable bikes to insure, though the price climbs with the bike's value. As of October 2026, Progressive advertises liability-only motorcycle coverage starting as low as about $75 a year (not available in D.C.). One national study puts average full coverage at about $399 a year. In one comparison site's quote sample, a Harley-Davidson Road King ran about $223 a month, compared with about $154 for a Street 750. Your price depends on your bike's value and engine size, your age and riding record, where you live and park, and the coverage you choose.
- Quotes From Multiple Carriers: Compare options side by side instead of taking one company's price.
- Personalized Quotes: Based on your bike, your riding, and where you keep it.
- Discounts You May Qualify For: Carriers we work with may offer savings for a rider safety course, an anti-theft device, or bundling with other policies.
Average Cost Range (as of October 2026):
- Liability-Only Policies: From about $75 per year (Progressive's advertised starting price for one motorcycle; not available in D.C.).
- Full Coverage Policies: About $399 per year on average in one national study.
- Harley-Davidson Models: About 154–223 per month in one comparison site's quote sample, from a Street 750 to a Road King.
Coverage Type | Liability-Only Policy | Full Coverage Policy |
|---|---|---|
Liability for damage or injuries you cause | ✓ | ✓ |
Damage to your bike (collision, theft, vandalism, fire) | Not included | ✓ |
Custom parts and equipment | Not included | Varies by carrier (some include a base amount) |
Uninsured/underinsured motorist | Varies by state | Varies by state |
Guest passenger liability and medical payments | Varies by state | Varies by state |
Riding gear | Not included | Varies by carrier (some include a base amount) |
Features to Look for When Shopping for Cruiser Coverage with Roamly
- Custom Parts and Equipment Coverage: Check how much aftermarket coverage comes with the policy and how much more you can add, and disclose engine work like a Stage kit when you quote.
- Theft Protection: Harley-Davidson ranked third among stolen motorcycle makes in the National Insurance Crime Bureau's 2021 theft data, and the bureau counted more than 44,000 motorcycle thefts in 2025, so look for comprehensive coverage that protects the bike when it's parked.
- Guest Passenger Coverage: If you ride two-up, make sure the policy includes guest passenger liability and medical payments limits that fit.
- OEM Parts and Total-Loss Terms: Ask whether repairs use original manufacturer parts and how a new bike is valued after a covered total loss.
- Off-Season Options: In colder states, ask about lay-up options that keep comprehensive coverage in place while the bike sits for the winter.
Ready to Protect Your Cruiser?
Get a Quote on Cruiser Motorcycle Insurance That Fits How You Ride
Whether it's a Sunday run to the coffee shop, a weekend two-up, or a bike you've built out piece by piece, Roamly works with carriers who understand cruisers. We'll help you find coverage so you can focus on the ride.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Roamly compares policies from carriers that insure Harley-Davidson motorcycles, along with Indian, Honda, Yamaha, Kawasaki, and other cruisers. Roamly is an independent insurance agency and isn't affiliated with Harley-Davidson or its branded insurance program.
It depends on the model, your age and riding record, and where you live. Larger, higher-value models usually cost more: as of October 2026, one comparison site's quote sample put the cost at about $154 a month for a Street 750 and about $223 a month for a Road King. Getting quotes from more than one carrier is the best way to see your actual price.
Almost every state requires liability coverage to ride a motorcycle on public roads, and minimum limits vary by state. If you finance your bike, your lender will likely require comprehensive and collision coverage too.
Only up to your custom parts and equipment limit. Standard policies may cover only factory parts, so check how much aftermarket coverage your policy includes, add more if your upgrades are worth more, and disclose engine modifications when you get a quote.
The biggest factors are your bike's make, model, value, and engine size, your age and riding record, where you live and park the bike, how many miles you ride, your credit in states that allow it, and the coverage and deductible you choose. Completing a rider safety course or adding an anti-theft device may also earn a discount with some carriers.
Policies typically exclude wear and tear and normal maintenance, and mechanical breakdown is usually an optional add-on where it's offered. Aftermarket parts beyond your custom equipment limit and modifications you didn't disclose may not be fully covered, and racing or riding on a track is often excluded. Roamly can help you compare optional coverages that may fill some of these gaps.
Still have questions?
Call us at 877.725.1245
Buy Insurance for a Cruiser Motorcycle
Find the Right Cruiser Motorcycle Insurance with Roamly
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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