USAA Motorcycle Insurance
USAA offers affordable motorcycle insurance for motorcycles and two-wheelers—but it’s only available for active military members and veterans.
Written by Andrea Barrett
Reviewed by Amy Bobinger
USAA offers affordable motorcycle insurance with many basic coverage options, but it’s only available for active military members, honorably discharged veterans, and their immediate family members. For everyone else, you’ll have to go through their partner, Progressive.
Whether you drive a motorcycle or another type of two-wheeler, having the proper insurance to protect you on the road is a must. With plenty of different insurance providers and coverage options, how do you know what you need? If you’re considering
motorcycle insurance coverage
with USAA, we have all the details you want. We’ll review coverage options for your bike or ATV and the best ways to cut back on insurance costs!Does USAA offer motorcycle insurance?
Yes, USAA offers motorcycle insurance coverage in addition to standard
car insurance
and home insurance
policies for military members, vets, and their family members. But for everyone else, you can purchase motorcycle insurance and receive a 5% discount through their alliance with Progressive
.USAA doesn’t disclose the starting cost of their motorcycle insurance policies, but they’re one of the few insurers known for low rates and exceptional customer service. However, they’re only available for members of the military and their families. For the general public, you can purchase a motorcycle insurance policy with Progressive starting at just $79 per year for basic
liability coverage
.If you’re an active military member, a retired or discharged veteran, or related to military personnel, there are perks to having motorcycle coverage with USAA:
- Competitive rates for military members and relatives
- 24/7 customer service and claims
- Coverage for other recreational vehicles (ATVs, scooters, mopeds, etc.)
- Monthly and annual payment systems
- Various discounts
- 24-hour roadside assistance
- Custom parts and equipment to protect customized features up to $30,000
If you’re eligible and ready to apply for USAA’s motorcycle insurance, you can sign up for a free membership and complete the details about you or your family member’s military service—you’ll need to fill out a military service questionnaire, including the service member’s Social Security number (SSN), and USAA membership number, if applicable. Once that’s done, you can set up an online account and select your coverage options.
To apply online, go to the
USAA motorcycle insurance
home page and click “Get a Quote.” Log into your account and complete your personal details, then choose your coverage options, finalize the payment, and receive policy information. It’s quick and straightforward. Alternatively, speak to a USAA representative by calling 1-800-531-8722, Monday through Friday from 7 a.m. to 7 p.m. and Saturday from 8 a.m. to 4:30 p.m. CST.RECOMMENDED
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Cost
USAA doesn’t disclose its motorcycle insurance rates, but they are known as one of the top insurers for cheap motorcycle insurance for active or retired military personnel. However, several factors will influence the cost of motorcycle insurance through USAA, including:
- Location
- Age and experience of riders
- Vehicle use
- Driving history
- Claims
- Bike type
- Coverage selections
- Credit score(in most states)
- Eligible discounts
Coverage options
One advantage of a USAA motorcycle insurance policy is the huge range of coverage options. In addition to standard liability insurance and full-coverage options like
collision coverage
and comprehensive coverage
, USAA offers competitive add-ons that aren’t widely available in the industry.Check out the table below to review your coverage options with USAA.
Coverage | Description | Example | Included automatically? | Do I need it? |
|---|---|---|---|---|
Pays for injuries to the other party involved if you’re at fault in an accident | You run a stop sign and hit another rider, who sustains a couple of broken bones. USAA will cover their medical bills up to your policy’s BIL limit. | No | Check your state’s laws—BIL is required by law in most states. | |
Pays for repairs or replacement to other drivers’ bikes if you’re at fault in an accident. | You’re speeding and lose control of your bike, crashing into another rider, damaging their bike. USAA will cover the cost of repairs to their bike up to your policy’s limit. | No | Check your state’s laws—it’s usually required, and if it’s not, it’s still recommended for riders. | |
Pays to repair or replace your motorcycle if it’s stolen or damaged by fire, vandalism, or a collision with an animal. | You hit a deer on the highway, and your bike is totaled. USAA covers the actual cash value of the bike minus any deductible. | No | Not required by law, but worth it unless your motorcycle is very old or of little value. | |
Pays for motorcycle repairs if your bike is damaged in an accident. | You skid on a patch of gravel and skid off the road, hitting a tree and damaging your bike. USAA will take care of the repair costs. | No | Not required by law, but worth the investment unless your motorcycle is old or has minimal value. | |
Covers medical bills, lost wages, and bike damage if you’re in an accident with an uninsured (or underinsured) driver. | You’re involved in an accident with a driver who doesn’t have liability insurance, and they don’t want to pay out of pocket for your damage and medical bills. USAA will cover your costs up to your policy’s limits. | No | Check your state’s laws—UIM is required in some states and optional in others. | |
Covers medical bills for you and your passengers if you’re involved in an accident, regardless of who’s at fault. | While turning a corner too sharply, you skid and fall off your bike, fracturing your wrist. USAA will cover your medical bills up to your policy’s coverage limits. | No | Not required, but recommended, especially if you don’t have health insurance. |
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How to save on USAA motorcycle insurance
One of the best reasons for military members to purchase motorcycle insurance through USAA is to access the range of discounts that can help reduce premiums! Here are some available discounts:
- Multiple Policy: Bundle motorcycle insurance with another policy from USAA (homeowners insurance or auto insurance) and you could receive a discount on your motorcycle policy.
- Multiple Vehicles: If you have more than one bike at the same address, you could receive a discount for insuring them all through USAA.
- Loyalty Discount: Keep your coverage with USAA and get a discount on your policy.
- Defensive Driving Discount: Completing a USAA-approved driving course could help you save on your motorcycle insurance premium.
- Family Discount: If you have a family member insured through USAA, you could receive a 10% discount on your premium!
- New Motorcycle: If your motorcycle is less than three years old, you could be eligible to save on your premium.
- Storage Discount: If your bike is currently in storage, you could qualify for a lower premium, which is a great way to save money if deployed.
- Safety Training Discount: Complete a USAA-approved motorcycle safety course and you could receive a 5% discount on your premium.
- Good Driver Discount: Never been involved in an accident? This discount is for bikers who have remained accident-free through their policy period.
- Seasonal Discounts: If you only drive your bike during a specific season, it could help you save on your insurance rate.
MORE: Essential tips for motorcycle winter storage
The cheapest motorcycle insurance companies
Whether you’re a military member or not, USAA and Progressive aren’t the only insurance companies that offer cheap coverage for motorcycles—but for many bikers, they offer some of the best rates. If you don’t qualify for insurance through USAA and are wondering about rates from providers other than Progressive, here are some options for every rider:
- Best all-around: Progressive ($25 to $52/month)
- Best for high-value bikes: Markel ($35 to $69/month)
MORE: 10 ways to get cheap car insurance that’s actually good
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FAQs
Is USAA or Progressive better for motorcycle insurance?
That depends on who is applying for coverage. USAA only offers motorcycle insurance for active military members, discharged veterans, or military member relatives. For everyone else, you can purchase motorcycle insurance through USAA’s alliance with Progressive and receive a 5% discount on rates.
Is it cheaper to insure a motorcycle than a car?
Yes—insuring a motorcycle is usually significantly cheaper than insuring a car. On average, motorcycle insurance costs about $240 per year, while car insurance costs about $1,600 per year. That’s because bikes are typically cheaper to buy than a car, they are cheaper to fix and replace, which reduces insurance costs, and they are less likely to cause property damage if involved in an accident.
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