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American Reliable motorcycle insurance review

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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.


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 average
  • 24/7 claims


  • Coverage sand discounts may vary by state.
  • No mobile app or claim by web page.

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.

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.

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.

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. A.M. Best gives the provider an A rating.


  • No easy sign up. You’ll have to locate and contact an agent that works with American Reliable.
  • 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 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. 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

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

Alternatives to American Reliable

Name Product Roadside assistance Accident forgiveness Available states
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Get protection for any kind of bike with this big-name provider. Enjoy discounts galore plus cheap rates and free perks designed for bikers.
All 50 states
This well-advertised insurer lives up to its reputation with discounts, low rates and no-fuss coverage for bikes.
All 50 states
Get add-ons to cover bike replacement and accessories and get rewarded for safe riding.
Included free
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Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts.

Compare up to 4 providers

Bottom line

American Reliable offers many discounts that can help you save money on your motorcycle insurance. But you’ll first have to find an agent on its website. If you’d rather sign up with a provider directly, explore your other options.

Frequently asked questions about American Reliable

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