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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.
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.
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
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:
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
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
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 canceling EFTs as customers requested.
Yes. USAA provides an offer of 7.09% 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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