Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 15, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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What You Should Know

  • USAA partners with Progressive to offer motorcycle insurance for its members
  • Motorcycle insurance rates are some of the cheapest on the market, but you must be active or retired military or their families to be eligible
  • USAA has excellent customer reviews, while Progressive has strong financial ratings

Through excellent service and affordable prices, USAA has become a familiar name in insurance products. USAA offers homeowners and car insurance, as well as a variety of financial services.

This company receives excellent reviews, and the only reason it’s not more prominent is that USAA offers insurance exclusively to active or retired military members and their families.

Many USAA members look to get motorcycle insurance through this company. You can buy USAA motorcycle insurance, but there’s a catch. The plan will be administered by Progressive because USAA doesn’t write its own motorcycle policies.

Although USAA doesn’t sell motorcycle insurance directly, you can still buy coverage through it. Like its other products, USAA motorcycle insurance is affordable. Read more to learn about USAA’s partnership with Progressive, then compare rates to find the best price for your bike.

What is USAA motorcycle insurance?

USAA doesn’t sell its own motorcycle coverage. Instead, USAA partners with Progressive to offer its members quality motorcycle insurance.

When you buy motorcycle insurance through USAA, you’ll have the option to buy the following basic coverages:

  • Liability. This coverage helps pay for damage and injuries you cause after an accident. It also helps cover legal bills if you’re sued. Liability is required in most states.
  • Comprehensive. If your motorcycle is damaged outside of an accident, comprehensive helps pay for repairs. Damage includes fire, theft, vandalism, weather, and animal contact.
  • Collision. While liability covers damage you cause to other people, collision helps repair your vehicle no matter who is at fault.
  • Uninsured/underinsured motorist. Although insurance is required in most states, not all drivers follow the law. Uninsured/underinsured motorist protects you from drivers with inadequate coverage.
  • Medical payments. No one wants to worry about medical bills after being injured in an accident. Medical payments coverage helps pay for medical expenses for you and your passengers.

USAA also offers 24-hour roadside assistance so that you’ll never have to worry about being stranded no matter where you are. USAA and Progressive offer additional coverage options that you can add to your policy, including:

  • Personal belongings
  • Accessories
  • Enhanced injury
  • Total loss
  • Death benefit

Each add-on might not be available in your state, but a USAA agent can help you determine the best coverage options for your needs.

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What types of motorcycles does USAA cover?

While most people think of street bikes or classic cruisers when they think of motorcycles, USAA offers coverage for a variety of vehicles. These include:

  • Cruisers. Cruisers are the most popular motorcycle because of their classic style. The bikes often include high handlebars, forward foot-pegs, and a full-view engine. Popular brands are Harley-Davidson, Indian, and Honda.
  • Dirt bikes. Built for the off-road enthusiast, dirt bikes feature knobby tires, a light chassis, and better suspension. The most popular brands for dirtbikes are Honda CRFs, Kawasakis, and Yamahas.
  • Touring motorcycles. These motorcycles are built for comfort so you can cruise for as many miles as you want. Bikers looking to travel most often buy from Harley-Davidson, BMW, and Indian.
  • ATVs. All-terrain vehicles (ATVs) are designed for off-roading and have three or four wheels. The best brands for ATVs include Polaris, Suzuki, and Yamaha.
  • Sport bikes. Sport bikes (also known as street bikes) have responsive handling and get up to speed quickly. These fast bikes are also the most dangerous, with four times more deaths than other motorcycles. Honda, Kawasaki, and Ducati are popular choices for sportbikes.
  • Mopeds and scooters. These small vehicles are gaining popularity as a greener alternative to traditional vehicles. Popular brands include Vespa, Yamaha, and Honda.
  • UTV/SXS. Utility task vehicles (UTVs) are often used in a work setting. They have more powerful engines and can seat more people. Although they drive similarly to a car, they are eligible for motorcycle insurance. Popular UTVs are sold by Polaris, Arctic Cat, and Kawasaki.

Although ATVs and UTVs are not exactly the same type of vehicle as a motorcycle, USAA covers them under the same type of policy.

How much does USAA motorcycle insurance cost?

USAA has a reputation for offering affordable insurance options, and its partnership with Progressive has produced similar rates. Check below to see the average monthly price for motorcycle insurance.

Coverage typeMinimum insurance for standard bikeFull coverage for standard bikeMinimum insurance for sport bikeFull coverage for sport bike
Low-risk driver$14$60$11$173
High-risk driver$11$104$17$416

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As you can see, motorcycle insurance is much more affordable than regular car insurance. Although motorcycles are more dangerous, you are less likely to cause significant damage with your bike. Therefore, you pay less for liability insurance.

There are many factors that insurance companies consider when determining the price of your insurance, including:

  • Age. Younger drivers are more likely to engage in risky behavior, and they don’t have the experience to handle dangerous situations as well as older drivers.
  • Location. Insurance companies keep careful track of claims by ZIP code. You could have lower rates than someone a ZIP code over.
  • Credit score. Although many drivers don’t realize this, insurance companies look at your credit score to determine your rates (except where it’s illegal). The better your score, the cheaper your rates will be.
  • Driving history. As you saw in the graph above, drivers with marks against them pay much more for insurance than drivers with clean records.
  • Miles you drive. The more time you spend riding your bike, the more likely you will be involved in an accident. If you don’t spend much time on the road, you might be eligible for a discount.
  • Type of motorcycle. Some bikes are safer than others, and they cost less to insure. Another consideration is how much it costs to repair your motorcycle.
  • Where you store your bike. Insurance companies prefer that you keep your motorcycle off the streets, ideally in a garage. If you have your bike parked in a safe location, you will probably pay less.

When you’re on a budget, every dollar you can save helps. USAA and Progressive know customers want to save money, so the companies offer discounts. USAA offers responsible drivers, safety courses, and multi-vehicle discounts for cheap motorcycle insurance.

Progressive has a long list of discounts as well, including paid-in-full, homeowners, and motorcycle license endorsements. You’ll need to speak with a USAA agent to find out if you qualify for any Progressive discounts.

USAA Motorcycle Insurance Reviews

While USAA has fantastic reviews, its motorcycle insurance is provided through Progressive. To get an idea of how this motorcycle insurance will fit you, you should look at Progressive reviews.

The Better Business Bureau (BBB) gives Progressive an A+, meaning they have good business practices and respond quickly to customer complaints.

For customer reviews, people are generally mixed. Some customers love that their motorcycle claims are handled quickly and efficiently. However, some customers say that their claims are given low settlements, and they feel like they’re not getting fair payments.

At the end of the day, Progressive is a trusted name in insurance. While you’ll still get the benefits of USAA membership, you’ll also get the strength of Progressive’s policies.

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Find the Best Motorcycle Insurance Quotes Today

Whether you hit the road for pleasure cruises or use your bike to get to class or work, you deserve high-quality, affordable insurance. If you are active or retired military (or a family member), USAA might be the best choice for you. However, if you prefer to buy directly from a company, you’ll have to go elsewhere.

Even though USAA motorcycle insurance is written through Progressive, you can still take advantage of USAA’s excellent rates. And don’t forget to always compare rates to make sure you get the cheapest motorcycle insurance.

References:

https://www.consumerreports.org/cro/news/2007/09/motorcycle-death-rates-doubled-supersport-bikes-the-most-dangerous/index.htm