USAA Motorcycle Insurance Review

Rating: 7.1 / 10 (Very good)
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USAA is a company that provides a variety of insurance products to members of the US military and their families. Currently considered as one of the top providers of auto insurance in the country, USAA also offers motorcycle insurance to consumers. The company offers a variety of discount options including those who pass safe driver courses to multiple vehicle discounts. USAA provides motorcycle insurance coverage for scooters, sport bikes, trikes, cruisers, mopeds and custom bikes.  


Financial Ratings

USAA got excellent ratings from both A.M. Best and S&P. This is no surprise since the company has been providing insurance services for military members and their families since 1922.

A.M. Best Financial Rating A++

A.M. Best Issuer Rating aaa

S&P Financial Strength AA+

S&P Issuer Strength AA+


Vehicle Coverage

  • Collision coverage
  • Comprehensive coverage
  • Custom accessories/ equipment


Policy Coverage

Body injuries

Medical payments

Property damage liability

Uninsured/ underinsured motorist body injury

Uninsured/ underinsured motorist property damage liability


Support Services

USAA provides 24/7 roadside assistance which is a definite minimum for any vehicle-related insurance service.

  • 24/7 roadside assistance
  • Towing assistance


Claims Processing

  • 24/7 claims processing
  • Phone claims


Payments and Discounts


Discount Options

  • 5 percent member-only discount
  • Safe driver course
  • Family discount
  • Loyalty program
  • Multiple policies
  • Multiple vehicle
  • Claim free


Payment methods

USAA has several payment options and allows you to pay in full or through monthly installment payments. You could schedule automatic payments though your credit card, checks, electronic transfers and other payment gateways.

  • Prepayment
  • Online payment
  • Credit card
  • Automatic payment
  • Phone payments
  • Personal check
  • Bank account payments
  • PayPal


USAA Motorcycle Insurance Summary

Strong financial ratings and close to a century of experience in delivering quality insurance products to military personnel and their family has made USAA a strong choice for motorcycle insurance services. The company does provide a long list of discount options and with its comparatively lower premiums makes it an attractive choice for bargain hunters. However, this insurance service is only 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 happens to be a family member, USAA can be a great choice when searching for a good motorcycle insurance provider.




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