Harley Davidson motorcycles are considered to the high end motorcycles. It's like the Harley Davidson bike owners have their own community which separates them from other motorbike owners. These motorcycles are more expensive therefore Harley Davidson motorcycle insurance also costs more compared to other bikes.
People may think that Harley Davidson motorcycle insurance should be cheaper since they are not fast bikes but this is not the case. Harley bikes are considered to be nothing short of collector's items.
There are various reasons why these motorcycles have higher insurance premium. Firstly, no two Harley bikes are similar, thieves love these bikes. They can steal the bike and then modify it as per their liking thus making it very difficult to recover. Secondly, it is a common view to see Harley bikes standing outside pubs and bars. As per insurance companies view, there are more chances of drunken driving cases which could lead to accidents. This higher risk leads to higher premiums.
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