All Harley-Davidson Models 1920 Motorcycles
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Harley-Davidson Model J L 20 T

1920

Year1920
MakeHarley-Davidson
Displacement999.7 ccm (61.00 cubic inches)
Harley-Davidson Model J L 20 T - No Image Available
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Review

The 1920 Harley-Davidson Model J and its slightly upgraded variant, the Model L, represented a significant evolution in Harley's early motorcycle lineup. Building on the success of previous models, the Model J and L aimed to offer riders a more refined and reliable experience. In a market increasingly crowded with competitors, the Harley-Davidson faced stiff competition from manufacturers like Indian, with their Chief model providing a similar large-displacement, touring-oriented experience. The 1920 Model T, representing minor refinements to the base Model J/L, catered to riders seeking a durable and dependable machine for transportation and leisure.

At the heart of the 1920 Harley-Davidson Model J L T was its robust engine. This power plant displaced 999.7 ccm, which translates to 61.00 cubic inches, a substantial size for the era. This displacement provided ample torque for navigating the often-unpaved roads of the time. While specific horsepower figures are often debated, the engine was designed for reliable, consistent power delivery rather than outright speed. This made it suitable for long-distance touring and everyday use. The engine's design prioritized durability and ease of maintenance, crucial features for a motorcycle intended for practical transportation.

Riding a 1920 Model J L T was a distinctly different experience from modern motorcycles. The upright riding position, typical of motorcycles from this era, provided a commanding view of the road ahead. Suspension technology was rudimentary, relying on sprung seats and frame flex to absorb bumps. This resulted in a ride that could be somewhat jarring on rough surfaces, but the large tires helped to cushion the blows. The hand-operated clutch and foot-operated brake required a degree of coordination and familiarity, but once mastered, offered a connected and engaging riding experience. The low-slung design, while not explicitly a cruiser, certainly offered some of the aesthetic qualities of that style, even in its early form.

The 1920 Harley-Davidson Model J L T appealed to a wide range of riders. Farmers, traveling salesmen, and recreational riders alike found value in its reliability and practicality. It wasn't a machine for those seeking high-speed thrills, but rather for individuals who needed dependable transportation or enjoyed leisurely touring. The Model J L T represented a solid, well-built motorcycle that embodied the spirit of early American motorcycling. It prioritized function over flash, and its enduring legacy speaks to the quality of its design and construction.

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Pros (Advantages)

✅ Why buy this bike?

• The 61 cubic inch (1000cc) F-head engine provided ample torque for navigating the typically poor road conditions of the era, enhancing usability. • Its robust construction and relatively simple mechanical design made it durable and easier to repair compared to more complex contemporaries. • The hand-shifted, three-speed transmission offered a wider range of gearing than single-speed motorcycles, improving hill-climbing ability. • The Harley-Davidson brand was already well-established by 1920, providing a degree of confidence in the machine's quality and reliability. • The Model J's availability in both solo and sidecar configurations increased its versatility for different transportation needs. • The presence of a magneto ignition system gave it a distinct advantage in cold weather starting compared to battery ignition systems of the time.
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Cons (Disadvantages)

⚠️ Things to consider

• The lack of front suspension resulted in a harsh ride, especially on uneven surfaces, limiting rider comfort and control. • The total-loss oiling system required frequent manual oiling, adding to the maintenance burden and potentially causing engine wear if neglected. • The drum brakes, while adequate for the time, offered limited stopping power compared to modern brakes, demanding careful riding. • The hand-operated clutch and foot-operated gear shift required a high degree of coordination, making it challenging for novice riders. • Original examples are rare and expensive, making restoration or maintenance a costly endeavor due to the scarcity of parts.
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License Class (EU)

Rule of thumb: under 125cc / 15HP → A1, under 47HP → A2, above → A.

Fuel Economy & Running Costs

Estimated average for 1000cc class: 35-50 mpg (5.0-7.0 L/100km)

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Insurance Class

Insurance grouping for Harley-Davidson Model J L 20 T (1000cc):

  • 📋 Group 15-20+ — performance class, higher premiums
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    Insurance Calculator (UK est.)

    Personalised premium estimate for the Harley-Davidson Model J L 20 T (UK rates):

    💡 Estimate based on UK market averages. For real quotes, compare on Compare the Market, MoneySuperMarket, GoCompare.

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    Buy New & Used

    Find new and used Harley-Davidson Model J L 20 T 1920 listings:

    💡 Third-party listings. MotoBike Info is informational only.

  • 👤 Final premium varies by rider age, history, location.
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