Sportsters Insurance Rates?
Thread Starter
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Outstanding HDF Member
Joined: Apr 2009
Posts: 2,705
Likes: 2
From: D.C.
Sportsters Insurance Rates?
Hello!
I'm a bit confused because my "local" HD dealer told me it cost $250 a year to insure a sporty.....and I think that's very low, maybe I didn't quiet understand what he said tho.
I live in D.C. but there is no HD dealer in that city but I have family in V.A. and so I was thinking that I could register my bike in V.A. you know.....
Apparently it also changes a lot of things if you use your bike to go to work or only for pleasure...I plan on using the bike for everything!
So my question is: if you have a Sporty, how much does it cost a year or a month and how good are you covered with that?
Thanks!
I'm a bit confused because my "local" HD dealer told me it cost $250 a year to insure a sporty.....and I think that's very low, maybe I didn't quiet understand what he said tho.
I live in D.C. but there is no HD dealer in that city but I have family in V.A. and so I was thinking that I could register my bike in V.A. you know.....
Apparently it also changes a lot of things if you use your bike to go to work or only for pleasure...I plan on using the bike for everything!
So my question is: if you have a Sporty, how much does it cost a year or a month and how good are you covered with that?
Thanks!
Seasoned HDF Member
Joined: Jan 2007
Posts: 20,616
Likes: 4,440
From: anacoco, la
first off the local dealer sells motorcycles, not insurance. for a real quote, go to an insurance agent. i went with progressive, through hd insurance. it was cheaper than going straight through progressive.
the price sounds about right though. i had 2 sporties insured and i was paying 320.00 per year. remember, the sporty is less than 10 grand so insurance is gonna be way less than it would be on a touring bike that has a larger engine (even though it is slower
), and a lot more expensive.
as far as how good the coverage was? i had made 2 claims (neither one was a 'moving accident') and was taken care of quickly and fairly.
i would double check on registering your bike in va though. i don't know about dc, but va has that 'property tax' thing going on. its like paying sales tax on your vehicle every year you own it. don't know if dc does that.
the price sounds about right though. i had 2 sporties insured and i was paying 320.00 per year. remember, the sporty is less than 10 grand so insurance is gonna be way less than it would be on a touring bike that has a larger engine (even though it is slower
), and a lot more expensive.as far as how good the coverage was? i had made 2 claims (neither one was a 'moving accident') and was taken care of quickly and fairly.
i would double check on registering your bike in va though. i don't know about dc, but va has that 'property tax' thing going on. its like paying sales tax on your vehicle every year you own it. don't know if dc does that.
Outstanding HDF Member
Joined: Jun 2009
Posts: 2,937
Likes: 1
From: SE Wisconsin
You may have better luck posting this question in the Sportster section. We just discussed it a couple weeks ago. 
https://www.hdforums.com/forum/sport...insurance.html
https://www.hdforums.com/forum/sport...insurance.html
Road Master
Joined: Sep 2007
Posts: 998
Likes: 1
From: Durham, NC
Check and make sure that covers theft. Once you add that to an insurance policy it will jump up in price very quickly. I have had a vehicle stolen. I carry FULL coverage, including loss by theft. I haven't had a ticket in 12 years, and never had an accident, my insurance for my Truck and my Fatboy runs about 2 grand a year.
FYI, full coverage typically doesn't include loss by theft.
FYI, full coverage typically doesn't include loss by theft.
Extreme HDF Member
Joined: Jun 2007
Posts: 12,653
Likes: 18
From: Broken Arrow, Oklahoma
Why not just call around to some insurance places and get some quotes? Nobody here is going to be able to answer your question. Factors in price include age, gender, traffic record, the threft rating for that model for the area you live in, etc.
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Thread Starter
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Outstanding HDF Member
Joined: Apr 2009
Posts: 2,705
Likes: 2
From: D.C.
I know there are a lot of factors that make the price vary. For example, I made a quote with Geico for a Sportster 883, they ask $1000 a year. So when I was talking to the saler well he explained that HD has special deals and I went on the website and found the link for Progressive. The problem is that Progressive does not insure HD in D.C. lol.....
But some of you confirmed the price of 250-300 a year which is not so bad.
For those that pay this price do you know if you are covered for theft?
I thought it would be better to take an insurance via HD because they claim to have special insurances for bikers :-)
Thanks all for your replies!
Vhoony.
But some of you confirmed the price of 250-300 a year which is not so bad.
For those that pay this price do you know if you are covered for theft?
I thought it would be better to take an insurance via HD because they claim to have special insurances for bikers :-)
Thanks all for your replies!
Vhoony.
Cruiser
Joined: Dec 2008
Posts: 175
Likes: 0
From: Florida
Hello!
I'm a bit confused because my "local" HD dealer told me it cost $250 a year to insure a sporty.....and I think that's very low, maybe I didn't quiet understand what he said tho.
I live in D.C. but there is no HD dealer in that city but I have family in V.A. and so I was thinking that I could register my bike in V.A. you know.....
Apparently it also changes a lot of things if you use your bike to go to work or only for pleasure...I plan on using the bike for everything!
So my question is: if you have a Sporty, how much does it cost a year or a month and how good are you covered with that?
Thanks!
I'm a bit confused because my "local" HD dealer told me it cost $250 a year to insure a sporty.....and I think that's very low, maybe I didn't quiet understand what he said tho.
I live in D.C. but there is no HD dealer in that city but I have family in V.A. and so I was thinking that I could register my bike in V.A. you know.....
Apparently it also changes a lot of things if you use your bike to go to work or only for pleasure...I plan on using the bike for everything!
So my question is: if you have a Sporty, how much does it cost a year or a month and how good are you covered with that?
Thanks!
Last edited by lonesome wex; Jul 1, 2009 at 09:32 PM.