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Picture this: You’re on a long, winding road with nothing but your motorcycle and the open sky. The last thing you want to worry about is whether you’re properly insured. If you’re a USAA member—or thinking about becoming one—you might be wondering: Does USAA do motorcycle insurance?
The short answer: Yes, USAA does offer motorcycle insurance—but not in the way you might expect.
In this deep dive, we’ll explore how USAA handles motorcycle insurance, what kind of coverage you can get, how it compares to other options, and whether it’s the right fit for you. If you’re in the military community and ride a motorcycle, this one’s for you.
What is USAA and Who Can Join?
Before we get into motorcycle insurance specifics, let’s quickly break down what makes USAA unique.
USAA (United Services Automobile Association) is a financial services group founded in 1922, offering banking, investments, and insurance products exclusively to:
- Active, retired, and honorably separated members of the U.S. military
- Eligible family members of USAA members
- Officer candidates in commissioning programs
USAA is known for its exceptional customer service, competitive rates, and deep loyalty to the military community.
So, Does USAA Do Motorcycle Insurance?
Yes—Through a Trusted Partner
USAA does offer motorcycle insurance, but not directly. Instead, it partners with Progressive, one of the top insurance companies in the U.S., to provide motorcycle insurance to its members.
This means when you request a motorcycle insurance quote through USAA, you’re actually getting coverage from Progressive—but with exclusive USAA member discounts.
This partnership allows USAA to focus on its core insurance offerings (like auto and homeowners insurance) while still serving members who ride motorcycles.
What’s Included in USAA Motorcycle Insurance (via Progressive)?
USAA members can access a variety of coverage options tailored to motorcycles, including:
✅ Basic Coverage Options
- Liability Coverage: Covers bodily injury and property damage to others if you’re at fault.
- Collision Coverage: Pays for damage to your bike from an accident, regardless of fault.
- Comprehensive Coverage: Covers damage from theft, vandalism, weather, and other non-collision events.
- Uninsured/Underinsured Motorist Coverage: Protects you if the other driver doesn’t have enough (or any) insurance.
✅ Additional Coverage Options
- Accessories and Custom Parts Coverage: Up to $3,000 (with options to increase).
- Roadside Assistance: Covers towing, flat tires, and emergency fuel delivery.
- Trip Interruption Coverage: Helps pay for lodging and food if your bike breaks down far from home.
- Medical Payments: Covers your medical bills regardless of who was at fault.
👉 Learn more about Progressive motorcycle coverage directly.
Pros and Cons of USAA Motorcycle Insurance
Here’s a quick breakdown to help you decide if it’s the right fit.
| Pros | Cons |
|---|---|
| Exclusive discounts for USAA members | Coverage is through Progressive, not directly through USAA |
| Wide range of coverage options | Claims and customer service handled by Progressive |
| Highly rated partner (Progressive) | Not available to non-members |
| Bundling potential with auto or home | Some riders may prefer dealing directly with an insurer |
Real Talk: What USAA Members Say
Let’s get beyond the brochure. Here’s what real USAA and Progressive customers have to say about the motorcycle insurance experience:
“I’ve been with USAA for years and was hesitant at first, but the Progressive rep they connected me with was knowledgeable and saved me over $150 compared to my old policy.”
— Jared P., USMC Veteran
“I like that I can manage all my policies from the USAA app, even though my motorcycle insurance is technically through Progressive.”
— Linda C., Army Spouse
Overall, the experience feels seamless to most users—especially if they’re already managing other USAA policies.
How Much Does USAA Motorcycle Insurance Cost?
While pricing varies widely depending on your bike, driving history, and location, most riders report competitive rates thanks to USAA’s partnership discounts.
Here’s a rough breakdown of average annual premiums:
| Bike Type | Average Cost/Year (with USAA + Progressive) |
|---|---|
| Cruiser (e.g., Harley-Davidson) | $400–$800 |
| Sportbike (e.g., Yamaha R6) | $600–$1,200 |
| Touring Bike (e.g., Gold Wing) | $500–$1,000 |
| Scooter/Moped | $100–$400 |
💡 Tip: You’ll save more if you bundle your motorcycle insurance with your USAA auto or homeowners policy.
How Does USAA Motorcycle Insurance Compare?
Here’s how USAA + Progressive stack up against other top motorcycle insurers:
| Provider | Avg. Annual Cost | Custom Parts Coverage | Roadside Assistance | Military Discounts |
|---|---|---|---|---|
| USAA (via Progressive) | $450–$900 | Up to $30,000 | Optional | ✅ Yes |
| GEICO | $400–$850 | Up to $20,000 | Optional | ✅ Yes |
| Allstate | $500–$950 | Up to $30,000 | Optional | ❌ No |
| Dairyland | $600–$1,200 | Up to $15,000 | Optional | ✅ Yes |
While not the absolute cheapest, the value and service quality with USAA motorcycle insurance often earns it high marks from riders in the military community.
Is USAA Motorcycle Insurance Right for You?
If you check these boxes, USAA motorcycle insurance might be your best bet:
✅ You’re eligible for USAA membership
✅ You already use USAA for other types of insurance
✅ You value customer service and policy management ease
✅ You’re looking for good coverage at a fair price
On the other hand, if you’re not a fan of having to go through a third-party (Progressive), or if you prefer ultra-low-cost insurers like Dairyland, it may be worth comparing quotes.
Still, with the discount and seamless integration into your USAA account, many members say it’s a win.
FAQs About USAA Motorcycle Insurance
❓ Can I bundle motorcycle insurance with my USAA auto policy?
Yes, and bundling often leads to additional savings—even though the motorcycle policy is issued through Progressive.
❓ Do I have to contact Progressive directly for claims?
Yes. Once the policy is active, claims are handled by Progressive’s customer service and adjusters.
❓ Is roadside assistance included?
Not automatically—but it’s a low-cost add-on that many riders find worth the price.
❓ What motorcycles are eligible?
Progressive covers a wide range of bikes through the USAA portal, including:
- Sportbikes
- Cruisers
- Touring motorcycles
- Scooters
- Mopeds
- Custom choppers
- Vintage bikes
Final Thoughts: Peace of Mind for the Open Road
Motorcycles offer freedom, adventure, and a deep sense of connection to the road—but with that freedom comes risk. The right insurance makes all the difference.
So, does USAA do motorcycle insurance? Absolutely. And while it’s technically offered through Progressive, the experience is seamless—and for many in the military community, it strikes the perfect balance of value, convenience, and coverage.
If you’re already a USAA member, getting a quote takes just a few minutes. It might be the easiest decision you make before your next ride.
🔧 Your Next Step
👉 Get a free quote for motorcycle insurance through your USAA account.
👉 Not a USAA member yet? Learn how to join USAA and unlock exclusive benefits.
Have questions or want to share your experience with motorcycle insurance? Drop a comment below—we’d love to hear your story!
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