Motorcycle Insurance Tailored to Your Ride with USAA Insurance Company

Motorcycle Insurance Tailored to Your Ride with USAA Insurance Company 

Exclusive Member Savings with Progressive 

Through our alliance with Progressive, members can enjoy up to a 5% discount on motorcycle insurance. 

Why Motorcycle Insurance Matters: 

Motorcycle insurance provides financial protection in case of accidents, theft, or roadside emergencies. Additionally, most states require liability coverage for registration and legal road use. 

Image by USAA Insurance

Comprehensive Coverage to Keep You Riding: 

Every policy includes standard protection, with optional add-ons available to customize your coverage. 

Standard Coverage Includes: 

• Bodily Injury Liability – Covers medical expenses for others if you're at fault. 
• Property Damage Liability – Pays for damages to another person's property. 
• Genuine Manufacturer Parts Guarantee – Ensures repairs use original parts. 
• Small Claim Forgiveness – Prevents small claims from raising your rate. 
• Accident Forgiveness – Protects your premium from increasing after your first accident. 

Optional Coverage Add-Ons: 

• Accessories Coverage – Protects custom parts, modifications, and add-ons. 
• Carry-On Personal Items – Covers belongings like phones and sunglasses. 
• Comprehensive & Collision Coverage – Helps with repairs or replacement for covered losses. 
• Enhanced Injury Protection – Provides financial support if you are unable to work after an accident. 
• Medical Payments – Covers medical expenses regardless of fault. 
• Roadside Assistance & Trip Interruption – Provides towing and reimbursement for food and lodging up to $500. 
• Total Loss Coverage – Covers full retail replacement value for new bikes. 
• Uninsured & Underinsured Motorist Coverage – Protects you from drivers without sufficient insurance. 

Coverage by Motorcycle Type: 

Cruiser Coverage 

1. Comprehensive and collision help cover repairs or replacement. 
2. Includes $3,000 in accessories coverage automatically for upgrades and customizations. 
3. Additional coverage can be added as needed. 

Touring Bike Coverage: 

1. Comprehensive and collision coverage protects against damages. 
2. Roadside assistance ensures your bike can be towed to the nearest repair shop. 
3. Trip interruption covers food and lodging up to $500 if you're stranded. 
4. Personal item coverage extends protection to phones, sunglasses, and gear. 

Dirt Bike Coverage: 

1. Collision coverage protects against repair costs regardless of fault. 
2. Total loss coverage replaces a bike less than a year old at full retail value. 

Sport Bike Coverage: 

1. Standard coverage includes liability for injuries and property damage. 
2. Enhanced injury protection provides $250 per week for up to two years if you’re unable to work due to a covered accident. 

Scooter & Moped Coverage: 

1. Standard coverage protects against damage caused to others. 
2. Add comprehensive and collision coverage for your scooter or moped. 
3. Personal item protection covers phones, sunglasses, and other gear. 

ATV & UTV Coverage: 

Motorcycle insurance also extends to ATVs and UTVs. 

• ATVs (All-Terrain Vehicles) – Designed for off-road use with handlebars and straddled seating. 
• UTVs (Utility Task Vehicles) – More powerful, car-like steering, and additional passenger seating. 

Click here for more information of ATV Insurance:

Why Choose a Quote from the USAA Insurance Agency? 

With over 30 years of partnership with Progressive, USAA ensures: 

• 24/7 roadside assistance 
• 24/7 claims service 
• Expert customer support trained to USAA standards 
• Discounts for safe riders and multiple vehicles 

Get a Quote – What You’ll Need 

• Vehicle Identification Number (VIN) – Helps provide the most accurate quote. Alternatively, provide the year, make, and model. 
• Names of All Riders – Include family members who regularly use the bike. 
• Basic Personal Information – Answer a few questions to determine the right coverage for your needs. 

Secure the right motorcycle insurance for your ride today! 

Conclusion. 

Protect Your Ride with the Right Coverage 

No matter what type of motorcycle you ride, having the right insurance ensures you’re protected on and off the road. From standard liability coverage to customizable add-ons like roadside assistance, total loss protection, and accessory coverage, you can tailor your policy to fit your riding style. With exclusive member savings through Progressive and the trusted support of USAA, getting coverage has never been easier.  

Get a quote today and ride with confidence, knowing you're covered every mile of the way. 

Motorcycle Insurance FAQ's

The cost depends on several factors, including:

• Where you ride
• Age and experience of all riders
• Traffic violations
• Motorcycle accidents and past claims
• Coverage selections
• Type of motorcycle and its usage
• Earned discounts, such as safety course completion or multiple vehicles on one policy

Learn more about the true cost of owning a motorcycle.

It depends. Your medical expenses may be covered if your motorcycle policy or another party’s liability coverage doesn’t pay for them.

However, some health insurance companies classify motorcycle riding as a hazardous activity, which may limit your coverage. Check with your provider to confirm.

Most states require liability coverage for motorcyclists. A young rider with a temporary permit may need motorcycle insurance.

Progressive offers insurance for riders as young as 16. You can also add a young rider to your policy so they benefit from the same liability limits.

It’s legal to buy a motorcycle without a license, but you won’t be able to test drive or ride it home.

In most states, insurance is required to register a motorcycle, and insurers may require a license to provide coverage.

Additionally, most insurance companies are cautious about covering unlicensed riders, which may lead to higher rates—if they’re willing to insure you at all.