AAA Motorcycle Insurance

AAA offers affordable insurance for motorcycles, scooters, or mopeds—with tons of coverage options to choose from.
Written by Amber Reed
Reviewed by Amy Bobinger
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If you drive a motorcycle, moped, scooter, or other type of motorized bike, AAA offers insurance options that range from basic liability to full-coverage.
Just like auto insurance helps protect your car in the event of an accident,
motorcycle insurance
can help protect your bike. Whether you’re cruising the interstate on a motorcycle, or using a moped or scooter to commute to work, or simply want financial protection for your motorized dirt bike, AAA has the coverage you need.
In this short guide, we’ll go over AAA motorcycle insurance and the coverage options they offer.

Does AAA offer motorcycle insurance?

Yes! In addition to roadside assistance services and car insurance, AAA also offers motorcycle coverage. You can sign up for basic
liability coverage
, or opt for
full-coverage
with collision and comprehensive insurance.
AAA is best known for their membership program, which provides drivers with access to 24/7 roadside assistance services for a small monthly fee. You don’t have to join AAA to purchase their motorcycle insurance, but the monthly membership does come with a few perks. Not only does signing up for a Premier or Plus membership get you roadside assistance coverage for your motorcycle, members usually pay less for their motorcycle insurance than non-members.
If you want a quote for AAA motorcycle insurance, all you need to do is call them at 1-800-JOIN-AAA, or head down to your
local AAA office
. Existing members can also sign up for motorcycle insurance by calling the member services line at 1-800-222-1134. Have your bike’s make, model, year, and vehicle identification number (VIN) ready—your AAA insurance agent will need this information.
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Cost

Most AAA customers pay less than $100 per month for their motorcycle insurance, but your exact costs will be based on your coverage preferences, the type of bike you own, and personal risk metrics like your age and driving record.
Furthermore, because AAA’s regional branches determine their policy options and coverage pricing, your final costs might depend heavily on where you live. To get an idea of what you’ll pay for motorcycle coverage through AAA, simply give them a call and request a free quote.

Coverage options

In addition to the option of a convenient roadside services membership, an AAA motorcycle insurance policy can be upgraded with a generous selection of coverages. Check out the table below for details on the different
types of insurance
AAA offers.
Coverage
Description
Example
Do I need it?
Pays for the other driver's medical expenses if you cause an accident while driving your bike.
You blow a stop sign and crash into another driver, causing them to break their wrist. Your AAA motorcycle insurance will pay for their medical expenses up to your coverage limit.
Bodily injury liability coverage is required by law in most states.
Pays for the other driver's repair bills if you cause an accident while driving your bike.
You run a run light and hit another driver, causing damage to their vehicle. Your AAA motorcycle insurance will pay for their car repair bills up to your coverage limit.
Property damage liability coverage is required by law in most states.
Pays to repair or replace your bike if it’s damaged in an accident with another vehicle or stationary object.
You lose control while driving and hit a road sign, causing damage to your bike’s frame. AAA will cover the remaining cost of your repairs after you pay your deductible. 
Collision coverage isn’t required, but it’s a good idea to have—especially if you drive a newer bike that would be expensive to replace.
Pays to repair or replace your bike if it’s damaged by something other than a traffic accident.
There’s a storm and a tree limb falls on your bike while it’s parked in your driveway. AAA will cover the remaining cost of your repairs after you pay your deductible.
Comprehensive coverage isn’t required, but it’s a good idea to have—especially if you live in an area with a high crime rate, or one that’s prone to severe weather.
Safety riding apparel coverage
Pays to repair or replace your helmet and other protective equipment damaged or destroyed in an accident.
You flip your bike and damage the shield on your helmet. Your AAA motorcycle insurance will pay to have it repaired.
No. But it might be worth the cost if you invested in expensive safety apparel.
Covers your property damage and medical bills if you’re hit by a driver who doesn’t have insurance. 
You get sideswiped by a driver who has no liability coverage. AAA will pay your medical and repair expenses up to your coverage limit.
Check your state’s insurance requirements. Uninsured motorist coverage is often required by law.
Helps cover the cost of medical bills for you and your passengers after an accident.
You lose control of your bike and hit a guardrail, injuring your passenger. Your AAA motorcycle insurance will cover their medical bills.
Medical payments coverage isn’t required, but can be very valuable if you (or a passenger) is ever injured in an accident.
Custom parts and equipment coverage
Pays to repair or replace aftermarket modifications and add-on accessories if they’re damaged or destroyed in an accident.
Your aftermarket performance exhaust is crushed in an accident. AAA will pay for a replacement.
No. But drivers who own a heavily modified sport bike can protect their expensive customizations with this coverage.
Roadside assistance coverage
Covers the cost of towing, tire changes, battery jumps, and a selection of other roadside services.
You get a nail in your tire and end up with a slow leak. AAA will send a technician with an air pump to refill or patch your tire.  
No, but AAA offers several inexpensive membership options that allow bikers access to these useful services.
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How to save on AAA motorcycle insurance

The easiest and most effective way to save on motorcycle insurance from AAA is by signing up for a membership. In addition to instant access to AAA’s 24/7 roadside assistance, members who enroll in the Premium or Plus membership programs are eligible for a discount on all of AAA’s insurance programs.
Here are some of the other insurance discounts offered by AAA.
  • AAA OnBoard discount: Allow the AAA mobile app to track your driving habits in exchange for a discount.
  • Good student discount: Student drivers with a GPA of 3.0 or higher could be eligible for a lower rate on their insurance.
  • Loyalty discount: Remaining a AAA customer for one year can lead to a lower premium.
  • Multi-policy discount: Bundling your AAA motorcycle insurance with
    auto insurance
    ,
    homeowners insurance
    , or life insurance could lead to lower overall costs.
  • Paperless billing discount: Drivers who enroll in paperless billing may qualify for a discounted rate.
  • Pay-in-full discount: Drivers who pay their full, 12-month premium in one lump sum could earn a reduced rate.
  • Professional discount: Some AAA branches offer a discounted rate to professionals in certain fields such as engineering, medicine, or education.
  • Safe driver discount: Drivers with a clean record and no traffic violations may qualify for reduced rates.
  • Safety inspection discount: Get an AAA-approved safety inspection to earn a lower rate on your insurance.
  • Safety equipment discount: Drivers who equip their motorcycle with anti-theft features like an alarm or disc locks may be eligible for a discount.
  • Verified mileage discount: Earn a lower rate on your insurance by submitting odometer readings on request.
Keep in mind that the AAA’s exact discounts and rates are determined by your local branch, so be sure and ask them what they have to offer.
MORE: How to join AAA and make sure you have roadside assistance coverage

The cheapest motorcycle insurance companies

Purchasing motorcycle insurance through AAA is just one way to get affordable coverage. Almost all car insurance companies also offer motorcycle insurance—so if you’re looking for a new provider, make sure you’re getting the best deal by taking the time to shop around and compare quotes.
Here’s our list of insurance companies best suited for each type of bike owner.
  • Best all-around:
    Progressive
    ($25 to $52/month) 
  • Best for sport bikes:
    GEICO
    ($28 to $51/month) 
  • Best for high-value bikes: Markel ($35 to $69/month) 
  • Best for teens: Dairyland ($22 to $74/month) 
  • Best for collectors:
    Nationwide
    ($49 to $55/month)
MORE: 10 ways to get cheap car insurance that’s actually good
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FAQs

Yes. Many states require motorcycle insurance by law—but even if you live in a state that doesn’t require coverage, insuring your bike can protect you from having to pay for expensive repairs or hospital visits out of pocket.
Yes. Because motorcycles are less expensive to fix and generally cause less property damage than a car, they’re usually less expensive to insure. The average cost to insure a car is around $1,600 per year, while the average rate to insure a motorcycle is only about $240 per year.
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