USAA motorcycle insurance review

Get discounted coverage bundles for military members and family.’s rating: 5.0 / 5.0


  • Get a quote if you need simple coverage with free roadside assistance and other perks.
  • Pick something else if you want a lot of perks.
  • Active military, veterans and eligible family can apply.


Roadside assistance

Accident forgiveness


States served All 50 states & DC
Roadside assistance Optional
Pay schedule 12 months, 6 months, custom
Claims methods online, email, phone
Accident forgiveness Yes (after 5 years of loyalty)


  • Apply for all your financial services in one place.
  • Free roadside assistance.
  • Safe driver benefits.
  • 5% off with membership discounts.
  • 24/7 member support.


  • Military-affiliated drivers only.
  • Limited motorcycle coverage.

Review by

Sarah George is a 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 You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Get a no-frills USAA motorcycle insurance policy as part of the company’s many financial services offered to members affiliated with the military. It’s a great option for bundling bike coverage with your other policies if you’re already a USAA member. That means you need to be related to someone affiliated in the military, so not everyone will qualify.

If you do qualify, USAA is well known for its low rates and superior customer service. The only catch is its motorcycle offerings aren’t as robust as other insurers, who might offer better perks like gear coverage or new bike replacement. Other than that, USAA remains a great option.

How to apply for USAA motorcycle insurance

To apply for USAA’s motorcycle insurance, sign up for a free membership and fill out the 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.


  1. Go to the USAA motorcycle insurance home page.
  2. Click Get a free quote at the top of the page.
  3. Log into your account and fill in your personal details.
  4. Choose your coverage options, finalize payment and receive policy information.


Call 800-531-8722 to speak with a representative. Standard business hours are Monday through Friday from 7 a.m. to 7 p.m. and Saturday from 8 a.m. to 4:30 p.m. 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
  • Driving history
  • Payment information

What discounts can I get with USAA?

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 discount 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
  • Dirtbikes
  • ATVs

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 of the other driver if you’re at fault in an accident.
  • Collision. Protects you from paying for motorcycle repairs out of pocket if it’s damaged in an accident.
  • Comprehensive. Pays for accidents not involving a collision, such as theft, vandalism, falling objects and weather or fire damage.
  • Uninsured/underinsured motorist. Covers your repairs, injuries and any lost wages for not being able to work if you’re in an accident with an at-fault driver without enough insurance.
  • 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. Helps pay for breakdowns when you’re 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 at any time.

Alternatives to USAA

Name Product Roadside assistance Accident forgiveness Available states
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.
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.
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.

Compare up to 4 providers

Pros and cons of USAA motorcycle insurance


  • 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.


  • 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 make a claim with USAA

USAA allows you to report and file claims with 24-claims service:

  • Online. Log in to your online member account and tap file a claim.
  • Phone. Call 210-531-8722 or 800-531-8722 to report an accident.
  • Fax. Fax claims documents to 800-531-8669. Include a USAA fax cover sheet to ensure correct processing.
  • Mobile app. Use the company’s mobile app to report your claim at your convenience.
  • Mailing address. Send documents by regular mail to:
    USAA (Claims Service)
    PO Box 33490
    San Antonio, TX 78265

Frequently asked questions about USAA motorcycle insurance

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