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LAST UPDATED: June 28th, 2019

Based in Texas, USAA is one of the leading motorcycle insurance providers in the country. As the official insurance provider for the United States Armed Forces, USAA is widely used and trusted. In comparison to a number of other motorcycle insurance providers, its pricing is on the lower end while the coverage is on the higher end.

Top Ranked Companies


The Good

  • Economic Perks
  • Claims Service
  • Extra Coverage (ATVs, Mopeds, and Scooters)
  • Customer Service

Economic Perks

Everybody wants to save money. Here are a few ways that USAA is helping individuals to do so with their motorcycle insurance coverage:

  • Free Bid — USAA offers a free bid to those looking for an insurance provider. Visit the csompany’ website and fill out a short survey, call the customer service team, or go to any location to speak with a representative.
  • Member Discount — Another perk is given to those that are already affiliated with USAA and are using the company for other types of insurance such as Auto, Home, Renters, Condo, Flood, Life, etc. A 5 percent discount is given to these members when they insure their motorcycle.
  • Multiple Motorcycles Discount — In some states, USAA offers a discount to those who insure multiple motorcycles. To see if your state provides this coverage, reach out to the customer service team so they can check for you.

Claims Service

The claims service provided is simple and typically very easy for users to use. Once claims are made, it should not take long for a response to be given and action taken to address your claims.

24/HR Roadside Assistance

When you are in a pickle and are in need of assistance with a flat tire or when there has been an accident, you can rely on USAA to be there to help you. With its 24/Hr policy, you never need to be worried about being left high and dry.

Extra Coverage

As a multi-faceted insurance company, USAA covers many of the basics that you might need. What helps to set USAA apart from the rest of the industry is that similar to its motorcycle insurance, it provides insurance for mopeds, scooters, and ATVs.

Customer Service

USAA is known for having fantastic customer service. It works hard to make sure that all representatives are knowledgeable in areas where customers have concerns. Not only can it help you with your motorcycle insurance, but it can also help you with any of the other areas that it covers.


The Bad

  • Minimal Deals
  • Long Application Process
  • Soliciting

Minimal Deals

One of the main complaints that motorcycle insurance users have voiced is the lack of discounts and deals offered by USAA. For those that have already been paying customers for one or more of the other coverage options offered, they feel that a 5 percent discount is not sufficient and that other companies might be willing to provide more incentive for them to keep all of their insurance costs with the provider.

Long Application Process

Since USAA is the primary insurance provider for The United States Armed Forces, there are a number of people who make claims to have been in the service in order to get the military discount. In order to prevent this, there are a number of documents that must be filled out. This is done with the intent of transparency and accuracy in pricing per customer.


Some customers have grown weary of the repetitive phone calls from USAA representatives asking if they would like to add more coverage to their insurance policy. They have voiced that they would like to approach the company with their desires instead of being called.


The Bottom Line

After research and comparison, we would recommend that you consider USAA for your motorcycle insurance. The perks provided will help to keep your bills lower and your coverage should be sufficient. Trusted by The United States Armed Forces, USAA has the experience needed to back it up. If paperwork causes you stress and you feel it unnecessary, go into the process knowing that there will be a lot.

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