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What to Know
You can get liability, collision, and comprehensive coverage through USAA motorcycle insurance, purchase and manage your policy online, and add a deployment storage discount built for service members. If you're asking whether USAA insurance is good for motorcycles, the answer is yes for riders who want a policy with plenty of add-ons. It fits riders who serve or have served in the military or ride a bike with custom parts.
Don't assume "full coverage" fully protects a financed bike. If the bike is totaled and you owe more than it's worth, you pay the difference. USAA doesn't offer gap insurance to cover it.
USAA Motorcycle Insurance
Best for the Military- Discounts
- 4
- Online Quotes
- Online Policy Purchase
Why We Like USAA
USAA lets you build a motorcycle policy with add-ons many riders want, including disappearing deductibles, carry-on personal items coverage, and roadside assistance with trip interruption coverage. It's available in all 50 states and Washington, D.C., and its deployment storage discount is built for service members.
Pros and Cons
Pros
- Available in all 50 states and D.C.
- Buy a policy online
Cons
- No gap insurance
Solvable's Take on USAA Motorcycle Insurance
USAA makes the most sense for four kinds of riders. If you're a service member who might store the bike during a deployment, it's the obvious place to start, because that discount is built for that situation. Riders with aftermarket parts get accessories coverage. Long-distance riders get roadside assistance and trip interruption coverage, which matter most when a breakdown happens 400 miles from home.
Riders who already hold other USAA policies can use the multi-policy discount. Data from the National Highway Traffic Safety Administration (NHTSA) puts the motorcyclist fatality rate per vehicle-mile traveled at almost 27 times the rate for passenger-car occupants. A crash on a bike is more likely to mean medical bills, so medical payments, enhanced injury protection and uninsured motorist coverage all carry more weight than they would on a car policy.
USAA doesn't offer gap insurance, and it lists only four discounts. If you're financing a new bike, ask your lender or another insurer whether gap coverage is available before you commit. Then compare the USAA quote against at least one or two others with the same limits, deductibles and add-ons. Once the coverage lines up, you can see which quote costs less.
USAA Motorcycle Insurance Discounts
USAA lists four motorcycle discounts. Ask about each one when you quote, since they aren't always applied automatically.
- Multi-policy/bundling
- Motorcycle safety course completion
- Good driving record/safe rider
- Deployment storage discount (military-specific)
USAA Motorcycle Insurance Coverage
Liability coverage
Liability pays for injuries and property damage you cause to other people. It's the part of motorcycle insurance most states require, and the limits you choose set the most the policy will pay.
Comprehensive and collision coverage
Collision pays to repair your bike after a crash. Comprehensive covers non-crash damage such as theft or weather. The disappearing deductibles option can lower what you'd pay toward these claims over time.
Uninsured and underinsured motorist coverage
This pays your costs when the at-fault driver has no insurance or too little to cover your injuries. In 2024, 6,228 motorcyclists were killed in U.S. traffic crashes, 16% of all traffic fatalities, according to the NHTSA.
Medical payments and enhanced injury protection
These help pay medical bills for you after a crash, regardless of who caused it. Ask how they work alongside your health insurance before you choose a limit.
Accessories and carry-on personal items
Accessories coverage applies to parts you've added to the bike, and carry-on coverage applies to gear you carry on it. Confirm the limit in your quote if your upgrades are expensive.
Roadside assistance, trip interruption and total loss coverage
Roadside assistance and trip interruption help when a breakdown leaves you stranded away from home. Total loss coverage applies when your bike is declared a total loss. Check the policy details, because none of these covers what you still owe your lender.
Frequently Asked Questions
Is USAA insurance good for motorcycles?
USAA motorcycle insurance is a solid option if you want a long list of add-ons, like accessories coverage and trip interruption, and it's especially well-suited to military riders thanks to its deployment storage discount. There's no gap insurance, so if you financed a new bike, check what you'd owe versus what it's worth before you buy.
What discounts does USAA offer on motorcycle insurance?
USAA lists four motorcycle discounts: a multi-policy or bundling discount, a motorcycle safety course completion discount, a good driving record or safe rider discount, and a deployment storage discount built for service members.
Can I buy USAA motorcycle insurance online?
Yes. USAA offers online quotes and online policy purchase for motorcycle coverage, and it's available in all 50 states and Washington, D.C. That makes it straightforward to compare and buy without a phone call, though you can still work with an agent if you'd rather talk through the add-ons first.
Does USAA cover custom parts on a motorcycle?
USAA's accessories coverage applies to added parts and equipment beyond the bike's factory setup. If you've put real money into custom work, confirm the specific limits on a quote instead of assuming everything is automatically included.
