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Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She especially loves breaking down car insurance into simple terms that everyone can understand.
Sarah has been wordsmithing for the better part of three years after graduating with a B.S. in English Education. In her free time, Sarah's usually sipping hot tea and talking through movie plots with her husband.
What motorcycle insurance coverage does USAA offer?
Through USAA’s partner, the company offers standard motorcycle coverage, such as:
Liability. Covers vehicle damage and injuries for the other driver when you’re at fault. cause the accident.
Collision. Protects you from paying for motorcycle repairs out of pocket.
Comprehensive. Pays for accidents not involving hitting a car, such as falling objects, theft or weather damage.
Uninsured/underinsured motorist. Covers your repairs and injuries when another at-fault driver doesn’t have enough coverage.
Medical payments. Pays for medical treatments for riders, no matter who’s at fault. This coverage may kick in for deductibles, copays and amounts not covered by health insurance.
What extra benefits and add-ons does USAA offer?
Though not an extensive list, USAA does include a few benefits for its members:
Free roadside assistance. Get help for breakdowns when you’re out riding away from home. This feature is included free with your USAA membership.
Custom parts and equipment. Protect the features you’ve customized on your bike with coverage up to $30,000.
Mobile app. Pay bills, get roadside assistance, view an accident checklist or report a claim from your phone.
24/7 urgent support. USAA members can call 800-531-8722 to get help any time.
The company includes a few motorcycle insurance discounts. However, not all discounts apply in every state:
USAA member. Members receive a 5% discount for insuring their bikes with USAA.
Multiple motorcycles. Get a policy for more than one motorcycle.
Safety course. Complete an approved safety course to stay safe and receive a discount.
Claims-free. Haven’t filed a claim in years? Get rewarded for being a safe driver.
What types of motorcycles does USAA cover?
USAA doesn’t just cover standard motorcycles, it also includes coverage for:
Scooters
Classic bikes
Custom motorcycles
Mopeds
ATVs
Pros and cons of USAA motorcycle insurance
Pros
Membership discounts. Members receive special discounts on some services. Motorcycle insurance receives a 5% discount.
Free roadside assistance. The company takes care of its members if they break down on the road.
Safe driver benefits. You can get discounts for riding claims free and taking an approved safety course.
24/7 urgent member support. Members get access to USAA’s online community, mobile app and phone support. You can use phone support at any time for urgent matters.
Bundle services. Save time and money by bundling your motorcycle insurance with car insurance, home insurance, banking and more.
Cons
Members only. USAA only offers service to military members and their families.
Limited options. Motorcycle insurance isn’t the company’s focus. You can find more extensive options with competitors.
How to apply for USAA motorcycle insurance
To apply for USAA’s motorcycle insurance, you first need to sign up for a free membership and fill out information about your or your family member’s military service. Information needed for eligibility includes a military service questionnaire, the service member’s Social Security number and USAA membership number, if applicable. Then you can set up an online account and select your coverage options.
Online. Here’s how you can apply online.
Go to the USAA motorcycle insurance home page.
Click Get a free quote at the top of the page.
Log into your account and fill in your personal details.
Choose your coverage options, finalize payment and receive policy information.
Phone. Call (800) 531-8722 to speak with a representative. Standard business hours are Monday through Friday from 7 am to 7 pm and Saturday from 8 am to 4:30 pm CT.
What info do I need to apply?
Keep your info ready to make applying an easy process:
Home address and phone number
Military service information such as Social Security number and USAA membership number
Driver’s or motorcycle license
Motorcycle details, such as make, model and license plate number
Frequently asked questions about USAA motorcycle insurance
Customers and review sites leave the company fairly high reviews. On Consumer Affairs, customers give USAA 4 out of 5 stars for knowledgeable customer service and broad coverage.
Consumers Advocate rates the company at 7.2 out of 10 for strong financial ratings and quality coverage. However, the Better Business Bureau gives USAA a B- due to recent government action against the company. On January 2, 2019, USAA was ordered to pay a fine of $3.5 million and a settlement of $12 million to customers for illegally reopening closed deposit accounts and not cancelling EFTs as customers requested.
Yes. USAA provides an offer of 5.99% APR for 72 months on motorcycle loans as of the time of this writing. You may also qualify for 100% financing with little or no down payment.
You can access the USAA Community to find self-help articles, ask questions, explore member stories, read the blog and connect with members in discussion forums.
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