An Inside Look at Harley-Davidson Touring Model Insurance Premiums
Our data reveals some compelling insights!
We’ve delved into our extensive internal data to bring you an exclusive analysis of motorcycle insurance costs for Harley-Davidson’s iconic touring models*.
This report will shed light on the average premiums for both basic and advanced insurance packages, highlight the most and least expensive models to insure. Whether you’re a seasoned rider or dreaming of your first Harley, this information is crucial for understanding the total cost of ownership.
Our Data:
Key Takeaways from Our Analysis
Our data reveals some compelling insights into the world of Harley-Davidson insurance:
- Overall Average Costs: Across all touring models and years in our dataset, the average annual premium for a basic insurance package is $389.46, while an advanced package averages $1,910.01.
- Model Matters: The specific model you choose has a significant impact on your insurance rate. The Road Glide ST stands out as the most expensive model to insure, with an average advanced package premium of $3,508.00.
- Most Affordable Ride: On the other end of the spectrum, the Road King Custom is the most budget-friendly touring model to insure, with an average advanced package cost of $1,150.75.
A Detailed Breakdown: Average Insurance Costs by Harley-Davidson Touring Model
The dream of owning a Harley is often accompanied by the practical question: “How much will it cost to insure?” Our data provides a clear picture. Here’s a look at the top 5 most expensive models for an advanced insurance package based on our internal data:
- Road Glide ST: $3,508.00
- Road King Special: $2,696.86
- Street Glide CVO Street Glide: $2,678.75
- Street Glide ST: $2,596.50
- Touring Road Glide: $2,558.00
What This Means for You, the Rider
The data is clear: your choice of Harley-Davidson touring model will play a major role in your annual insurance expenditure. For riders on a budget, considering a model like the Road King Custom could lead to significant savings. Conversely, if you have your heart set on a top-of-the-line model like the Road Glide ST, be prepared for a higher insurance premium to match its high-performance capabilities.
Ultimately, the best motorcycle is the one that fits your riding style, your budget, and your dreams. We hope this internal analysis from provides you with a clearer understanding of the insurance landscape for Harley-Davidson touring models and helps you make a more informed decision for your next ride.
*Source: All data is based on an internal analysis of motorcycle insurance premiums issued by Boundless Rider Insurance. Rates are illustrative and individual premiums may vary based on location, driving record, age, and other factors. Last updated August 2025.
Written by Matt Yar (August 2025)