American Modern motorcycle insurance review Jan 2022

Save with multiple discounts and a quick claims process

  • Get a quote if you want extra coverage for your bike’s accessories.
  • Pick something else if you want to apply online.
  • Riders with new bikes can get lifetime replacement coverage.


Roadside assistance

New car protection

Accident forgiveness


States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, monthly
Claims methods online, phone, in-person
Accident forgiveness No


  • Flexible payment options
  • There is no deductible for the helmet
  • Good online interface


  • The discounts offered in California vary.
  • Equipment you add to the bike that did not come from the manufacturer is covered separately

Review by

Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Expert review

American Modern specializes in insuring motorcycles, and is equipped to deal with your unique needs. Its many discounts help to save on insurance, and accessories coverage to make sure you can get back on the road with all your gear. But if you’d prefer to get a quote online, check out your other motorcycle insurance options.

How do I apply for American Modern motorcycle insurance?

To apply for motorcycle insurance through American Modern, you’ll need to get in touch with one of its agents.

  1. From American Modern’s motorcycle insurance homepage, select Find an agent under Quick Links.
  2. Click find an agent now.
  3. Select your state from the drop-down menu, enter your ZIP code and check the box for motorcycles.
  4. You’ll then be presented with a list of agents near you and their contact info.

What info do I need to apply?

Before contacting an agent, have the following handy:

  • Current insurance policy, if you have one.
  • Driver’s license
  • VIN
  • Lienholder’s name and address, if the bike is financed

What motorcycle insurance discounts can I get with American Modern?

With American Modern, you can bring down the cost of your insurance premiums by taking advantage of these discounts, depending on your state.

  • Home ownership. Save up to 20% if you own a home.
  • Safety course completion. Take an approved safety class and get a discount.
  • Insuring multiple bikes. Get 10% off insuring two bikes, or 15% for insuring three or more.
  • Transferring your policy. When you switch to American Modern, you can save up to 10%.
  • Claim-free renewal. Save 3% the first year you go without a claim, and 5% each year after that.

What motorcycle insurance coverage does American Modern offer?

You can find all of the basic types of coverage from American Modern, including:

  • Liability. Covers the cost of damage or injury to someone else when you’re at fault in an accident.
  • Collision. Covers the cost of repairs to your bike resulting from a crash.
  • Comprehensive. Coverage for damage from something other than an accident, like theft, fire or vandalism.
  • Medical payments. Pays for medical payments if you’re injured while riding your bike. Coverage starts at $1,000 and can go up to $10,000.

What extra benefits and add-ons does American Modern offer?

If you want more than just standard coverage, opt to purchase these extras:

  • Rental reimbursement. This covers a rental motorcycle while your bike is being repaired.
  • Trip loss reimbursement. If you’re more than 100 miles from home and your bike breaks down, you can get reimbursed up to $300 for lodging, transportation and other related expenses.
  • Transport trailer. Get coverage for a trailer that’s transporting your motorcycle.
  • Replacement cost. If your motorcycle is stolen or written off as a total loss, American Modern will pay the cost to replace your bike with a new model, unlike actual cash value, which deducts for depreciation of the bike.

Alternatives to American Modern for motorcycle insurance

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
The AARP Auto Insurance Program from the Hartford
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.
USAA motorcycle insurance
Yes (after 5 years of loyalty)
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get a great deal online with steep discounts and some of the highest liability limits available.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
AAA motorcycle insurance
Included free
Yes, optional extra
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
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.

Compare up to 4 providers

What types of motorcycles does American Modern cover?

In addition to coverage for standard motorcycles, you can also find coverage for these types of cycles:

  • Cruiser
  • Supersport
  • Touring
  • Dual purpose
  • Scooter
  • Dirt bike
  • Trike conversion
  • Moped

Pros and cons of American Modern insurance


  • Replacement cost coverage. Replace your bike for the newest model after an accident. Coverage for all models less than two years old.
  • Easy claims process. American Modern offers several ways to file a claim and touts its promptness at coming to a resolution. Field adjusters often issue checks on the spot.
  • Accessories coverage. If you have full coverage, you’ll get accessories coverage up to $3,000, with the option to purchase up to $15,000.


  • Limited bundling. Because American Modern is a specialty insurance provider, it doesn’t offer standard home or auto policies, so you could miss out on bundling insurance to save.
  • No online quotes. If you like to conduct business strictly online, you’re out of luck with American Modern. You have to contact an agent to apply for insurance.

How do I make a claim with American Modern?

You can file a claim with American Modern through the following methods:

  • Online: Fill out the form on American Modern’s website
  • Phone: 800-375-2075
  • Mail: American Modern Insurance Group

Attn: Claims Processing

PO Box 5323

Cincinnati, OH 45201-5322

Fax: 513-947-4040

American Modern recommends having the following information ready when filing a claim:

  • Your policy number
  • Your contact information
  • A description of what was damaged/lost
  • Date and specific time of the loss
  • Note any personal injuries that occurred
  • Whether an ambulance was called, or fire or police departments were notified
  • Whether you believe you need to make temporary repairs

Frequently asked questions about American Modern

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