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AAA provides motorcycle coverage along with its wide membership benefits. It also offers a comprehensive AAA Motorcycle add-on with many coverage benefits rolled into one. However, you’ll have to talk to an agent about whether coverage is available in your area.
How to apply for AAA motorcycle insurance
The company likes to keep the application process personal through local agents or phone representatives.
Phone. Talk directly to a customer service representative by calling 800-222-1134.
Agent. To find an agent closest to you:
Go to the AAA motorcycle insurance homepage.
Enter your ZIP code in the popup box.
Click on Find an agent at the top of the page.
Call or visit an agent using the phone number and address listed.
What info do I need to apply?
Keep a few pieces of information on hand when talking with an agent:
Home address, phone number and email
Social Security number
Driver’s or motorcycle license
Motorcycle make, model and license plate number
Bank account, credit card or debit card information for payment
What discounts can I get with AAA?
AAA offers several discounts that let members save on their premiums and other everyday purchases:
Repair shops. Use AAA’s network of repair shops to take care of problems at a discounted rate.
Luggage shipping discount. AAA Motorcycle members can receive a discount from Luggage Forward and UPS.
Parts and accessories discount. If you have AAA Motorcycle, purchase parts and accessories through NAPA stores or online for a discount.
Vehicle purchases. In the market for a new car or motorcycle? Shop from a partner dealership.
Interstate passes. Save 10% on Interstate passes to get where you’re going safely and quickly.
Car care centers. Get your car or motorcycle serviced at a partner car care center.
Tires and accessories. Stay up to date on all your motorcycle wants and needs at a discount.
What motorcycle insurance coverage does AAA offer?
AAA gives you peace of mind on the road with its standard insurance coverage:
Liability. Pay expenses for vehicle damage, personal injuries or legal costs when you’re at fault in an accident.
Collision. Get your motorcycle repaired or replaced when it’s damaged during an accident.
Comprehensive. What about damages not involving a collision? Get comprehensive coverage for weather damage, falling tree branches, theft or vandalism.
Uninsured and underinsured motorist. Cover your expenses, even when the other driver doesn’t have enough insurance to pay for them.
Medical payments. Pay for expensive medical bills, no matter who’s at fault.
What extra benefits and add-ons does AAA offer?
Add a host of features to your policy with these AAA options:
Custom parts and equipment. Repair or replace special parts you’ve added to your motorcycle.
Safety apparel. Pay for damages to safety gear like your riding helmet in the event of an accident.
Trip interruption. Cover expenses like food and lodging when they’re related to trip delays, up to $1,000.
Towing. Get four towing service calls per policy period for up to 100 miles with no extra charges.
Locksmith services. Get reimbursed $75 for key replacement.
Fuel delivery. Have fuel delivered straight to you so that you can make it to the nearest gas station.
Extrication. Let a professional retrieve your bike when you get stuck or your motorcycle falls into a ditch.
Trailer assistance. Transport and tow-behind trailers can also receive towing, air for tires, extrication and locksmith services.
AAA motorcycle. Get the roadside assistance, trip interruption and the discounts described above for a flat fee of $35 annually.
Alternatives to AAA
Compare your options before you settle on any one provider. We’ve put together a helpful guide to motorcycle insurance to help you better narrow the field and get the best policy for your situation.
Pros and cons of AAA motorcycle insurance
Member benefits. AAA members enjoy a wide variety of benefits on travel, restaurants, shopping and experiences.
Trusted company. The company has offered discount products for years and earned A+ BBB and AM Best ratings.
Featured motorcycle add-on. The company’s comprehensive AAA Motorcycle optional coverage gets you many benefits all wrapped into one.
Motorcycle-specific purchase discounts. Find member benefits specific to cars and motorcycles, such as the AAA repair shop network.
Members only. You’ll need to purchase a AAA membership at an annual fee between $2 and $120, depending on the membership level and your state.
Lack of website information. AAA provides little information about motorcycle coverage on its website, so you’ll need to call to confirm policy details.
Varying discounts and coverage. You may not get the coverage you need or preferred discounts, depending on your location.
Online. Log in to your online account to report a claim at your own convenience.
Phone. Ask questions about filing a claim by calling 800-222-1134. Member services phone hours are 8 a.m. to 9 p.m. on Monday through Friday or 8 a.m. to 4:30 p.m. on Saturday and Sunday.
Underwritten carrier. Your policy may be underwritten by an insurance partner. If that’s the case, refer to this list of underwritten carrier phone numbers for claims reporting.
Frequently asked questions about AAA motorcycle insurance
You can add AAA Motorcycle to Classic, Plus, Premier, Plus RV or Premier RV memberships. The rate is $35 per year, depending on your state, no matter which membership level you have.
Yes, motorcycles are covered under AAA RV. However, you won’t get the enhanced motorcycle benefits that are specific to AAA Motorcycle.
Most AAA benefits save you 10% off the chosen service. You can also earn AAA dollars that will apply to your next membership renewal.
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