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AAA motorcycle insurance review Jan 2022

Enjoy membership benefits, discounts and extensive motorcycle roadside assistance.

finder.com’s rating: 4.0 / 5.0

★★★★★

  • Get a quote if you love having membership benefits or are already a AAA member.
  • Pick something else if you can’t get coverage in your state.
  • Not for drivers needing SR-22 coverage.
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Sarah George
Last Updated

Included free

Roadside assistance

Accident forgiveness

Details

States served All 50 states & DC
Roadside assistance Included free
Pay schedule 12 months, 6 months, monthly
Claims methods online, email, phone
Accident forgiveness Yes, optional extra

Pros

  • Highly rated company
  • Free roadside assistance
  • Everyday motorcycle purchase discounts
  • Member travel and shopping discounts

Cons

  • Members only
  • Website isn’t transparent
  • Coverage varies widely by state

Review by

Sarah George is a staff writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

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:

  1. Go to the AAA motorcycle insurance homepage.
  2. Enter your ZIP code in the popup box.
  3. Click on Find an agent at the top of the page.
  4. 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
  • Driving history
  • 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.

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Progressive motorcycle insurance
Optional
Yes
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Get quotes
More Info
The AARP Auto Insurance Program from the Hartford
The AARP Auto Insurance Program from the Hartford
Optional
On the first accident
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
USAA motorcycle insurance
USAA motorcycle insurance
Optional
Yes (after 5 years of loyalty)
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get quotes
More Info
Elephant
Elephant
Optional
GA, IL, IN, MD, OH, TN, TX, VA
Get a great deal online with steep discounts and some of the highest liability limits available.
Get quotes
More Info
Liberty Mutual motorcycle insurance
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
Get quotes
More Info
AAA motorcycle insurance
AAA motorcycle insurance
Included free
Yes, optional extra
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
More Info
Savvy
Savvy
Optional
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Get quotes
More Info
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Compare up to 4 providers

Pros and cons of AAA motorcycle insurance

Pros

  • 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.

Cons

  • 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.

How to make a claim with AAA

Report a motorcycle accident easily online or contact member services with your questions:

  • 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

Car insurance ratings

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