USAA Motorcycle Insurance Review

Rating: 7.2 / 10 (Very good)
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USAA is a Texas-based company that provides a variety of insurance products to members of the US military and their families. Currently considered one of the top providers of auto insurance in the country, USAA also offers motorcycle insurance to consumers. The USAA provides motorcycle insurance coverage for a variety of vehicles and offers several discount options.

How is USAA rated?


Coverage and Benefits
Customer Experience
Pricing and Discounts
Financial Strength

Overall Rating: 7.2 / 10 (Very good)

Strong financial ratings and close to a century of experience in delivering quality insurance products to military personnel and their families has made USAA a strong choice for motorcycle insurance services. The company's comparatively lower premiums and good number discounts make it an attractive choice for bargain hunters. However, its insurance services are limited to military personnel and their families making it unavailable for the general public. But if you do happen to be a member of the military or are related to one, USAA is a solid choice when searching for a good motorcycle insurance provider.

USAA Coverage and Benefits

Coverage and Benefits - 8 / 10

The USAA's motorcycle insurance isn't limited to motorbikes and can cover other vehicles like scooters, mopeds, and ATVs. The company's coverage options aren't too extensive, only offering some of the more common types such as liability and collision. However, it does provide uninsured motorist property damage and 24/7 roadside assistance.
Customized Motorcycle Parts
Uninsured/Underinsured Motorist
Additional Coverage
Roadside Assistance
Uninsured Motorist Property Damage
Types of Vehicles Covered
Classic/Custom Motorcycles

USAA Pricing and Discounts

Pricing and Discounts - 6 / 10

The USSA offers discounts for having taken training courses, getting multiple policies, and being a safe driver. Additionally, members of the USAA are eligible for a 5% discount on their motorcycle insurance with the company.
Training Course
Multi Bike
Other Discounts
Responsible Driver

USAA Financial Strength

Financial Strength - 9 / 10

USAA has outstanding ratings from all three agencies we consider: A.M. Best, S&P's, and Moody's. This is no surprise since the company has been providing insurance services for military members and their families since 1922.
Company Type
Year Founded
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating

USAA Customer Experience

Customer Experience - 6 / 10

The USAA has a very good A+ grade on the BBB, although, like most big insurance companies, it has a significant amount of negative feedback online. On Trustpilot, the company's 28 reviews contribute to a poor 3.7 score. Also, its 0.96 complaint ratio is close to the national average.
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Trust Pilot Rating
3.7 out of 10
NAIC Complaint Ratio 2017
NAIC Total Complaints 2017
Date Collected

Company Profile

Full Name
USAA Motorcycle Insurance
Company Website
9800 Fredericksburg Road, San Antonio, TX, 78288

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Top Rated
9.5 / 10
  • Provides some of the most comprehensive coverage on the market
  • Covers passengers as well as riders
  • Rental reimbursement
  • Loyalty discount for customers with the company for more than a year
  • Homeowners discount available