American Reliable motorcycle insurance review

Take advantage of this provider’s many discounts — but only if you have a good driving record.

  • Get a quote if you want coverage for bike accessories.
  • Pick something else if you’re a high-risk rider or need an SR-22.
  • Riders with clean driving records can benefit from multiple discounts.
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Roadside assistance

New car protection

Accident forgiveness


States served All 50 states
Roadside assistance Optional
Pay schedule 12 months
Claims methods phone
Accident forgiveness No


  • More than 70 years of experience.
  • Good financial rating.
  • 24/7 claims.


  • Coverages and discounts may vary by state.
  • No mobile app or claim by web page.
  • Little information listed on company website.

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 Reliable offers many discounts that can help you save money on your motorcycle insurance, along with a modest amount of coverage options. But you’ll first have to get an agent referral by calling American Reliable.

If you’d rather sign up with a provider directly or you’re looking for a provider that has a full mobile app for a more convenient experience, explore other options.

How to apply for American Reliable insurance

There isn’t any easy way to apply for insurance through American Reliable. You’ll have to do a little legwork first to locate an agent that works with this provider by calling American Reliable and asking for a referral to an agent. You can begin by calling American Reliable directly at 800-535-1333, 7 a.m. to 5 p.m. MST.

What info do I need to apply?

Before contacting an agent to apply for insurance, have the following info ready:

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

What discounts can I get with American Reliable?

American Reliable offers many ways to save money on your motorcycle insurance, including:

  • Safety course. Save money on your motorcycle insurance by completing an approved motorcycle safety course every three years.
  • Over 55 driver training. Riders older than 55 in certain states can get a discount if they complete a motor vehicle accident prevention course approved by the Department of Motor Vehicles.
  • Association. Membership with an association that promotes riding education and safety gets you a discount.
  • Antitheft. Get a discount if your motorcycle is equipped with an audible alarm or tracking device.
  • Multiunit. Insuring two or more motorcycles with American Reliable also saves you money.
  • Multipolicy. If you have another American Reliable policy, you’ll also save money.
  • Paid in full. Pay your entire bill upfront to get a discount.
  • Homeowner. Owning your home will also get you a discount.
  • Reliable driver. If you don’t have a chargeable accident or violation, you’ll receive this discount.
  • Renewal. Save even more when you renew your policy after one year.

What insurance coverage does American Reliable offer?

With American Reliable, you can purchase all of the standard types of coverage:

  • Bodily injury and property damage liability. Coverage for injuries or property damage you might have caused to someone after an accident.
  • Guest passenger liability. Protects your passengers in case of injuries.
  • Collision. Covers damage to your motorcycle resulting from a crash.
  • Comprehensive. Protection for something other than a collision like theft, fire or vandalism.
  • Uninsured/underinsured. Covers you in the event you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the costs.
  • PIP. Available in some states, this covers medical services no matter who’s at fault.
  • Medical services. This covers the cost of medical care after a wreck.

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

If you want protection beyond the standard types of coverage, you can purchase:

  • Accessories. Make sure your accessories and add-on equipment are protected with this coverage.
  • Safety clothing. Get replacement safety gear if it’s destroyed or unusable.
  • Roadside assistance. Takes care of towing and roadside help.
  • Trip interruption. Should your bike breakdown and interrupt your trip, you’ll be reimbursed for unexpected expenses like food and lodging while your bike is being repaired.

Alternatives to American Reliable

If your driving history isn’t spotless or you’re just looking for a more streamlined online experience, you can explore more options with our motorcycle insurance guide.

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 Reliable cover?

In addition to standard, two-wheeled motorcycles, American Reliable also offers insurance for trikes, but they must:

  • Have the original motorcycle manufacturer’s engine.
  • Have the original manufacturer’s VIN.
  • Include a photo of the trike conversion with the application.

Pros and cons of American Reliable motorcycle insurance


  • Multiple discounts. It has a long list of ways to bring down the cost of your premium.
  • Accessories coverage. American Reliable offers the option to purchase coverage for your added equipment and accessories.
  • Financially sound. AM Best gives the provider an A (excellent) rating.


  • No easy sign-up. You’ll have to locate and contact an agent that works with American Reliable to get a quote.
  • No high-risk drivers. If you need an SR-22 or don’t have the best driving record, you might not get approved.
  • Poor reviews. There aren’t many reviews online, but the few available on Yelp are negative, citing a poor claims process.

How do I make a claim with American Reliable?

Report a claim by calling American Reliable at 800-245-1505. Should you need to mail or fax any documents, you can do so by:

  • Mail: 8667 E. Hartford Drive, Suite 225, Scottsdale, AZ 85255
  • Fax: 800-224-4170

Frequently asked questions about American Reliable

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