Cruiser Insurance
Insurance for cruiser-style motorcycles.
Typical cost: $500 – $1,500 per year
Cruiser Motorcycle Insurance
Cruiser motorcycles—including Harley-Davidson, Indian, and metric cruisers—are typically more affordable to insure than sport bikes. Their relaxed riding position, lower speeds, and older average rider age contribute to lower premiums.
Coverage for Accessories
Cruisers are often heavily customized with chrome, saddlebags, custom seats, and audio systems. Standard policies may have limited coverage for accessories. Ensure you have adequate custom parts and equipment coverage.
What's covered
Liability Coverage
Covers damage and injuries you cause to others.
Collision Coverage
Pays to repair your cruiser after accidents.
Comprehensive
Covers theft, vandalism, fire, and weather damage.
Accessory Coverage
Protects chrome, saddlebags, custom paint, and other accessories.
Roadside Assistance
Towing and emergency services when you break down.
Tips
- • Itemize custom accessories for adequate coverage
- • Join HOG or other riding groups for potential discounts
- • Store in a garage to reduce theft and comprehensive rates
- • Take advantage of mature rider discounts if eligible
- • Bundle with other policies for savings
Other motorcycle insurance types
Sport Bike Insurance
Coverage for high-performance sport motorcycles.
Touring Bike Insurance
Coverage for touring motorcycles and long-distance riding.
Off-Road Bike Insurance
Protection for dirt bikes and off-road motorcycles.
Scooter Insurance
Affordable coverage for scooters and mopeds.
Vintage Motorcycle Insurance
Specialized coverage for classic and vintage bikes.
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