Does AAA Cover Motorcycle Insurance?

Updated October, 2020
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AAA offers motorcycle insurance, as well as other money-saving policies. Choose between liability, collision, and comprehensive coverage. Additional options available are uninsured and under-insured motorist coverage and medical bill coverage.

How much does AAA's motorcycle insurance cost?

The American Automobile Association (AAA) provides coverage for motorcycles at an average rate of $35 per year. However, if you're not an AAA member, your rates might be higher. On average, insurance rates are $75 to $200 per year for non-AAA members.

Your rate depends on certain factors, such as the following:

  • Motorcycle model
  • Location
  • Driving score
  • Age

What's covered by AAA motorcycle insurance?

AAA provides full coverage for motorcycles. There are many policies to choose from, including the following:

  • Uninsured and under-insured motorist: You're in an accident with someone who doesn't have insurance. Or, if they don't have enough insurance to cover your repairs.
  • Comprehensive coverage: Your motorcycle gets damaged by something other than another vehicle, such as hail, fire, or falling tree branches.
  • Liability coverage: All at-fault accidents with your motorcycle.
  • Collision coverage: Your motorcycle's damaged in an accident and needs repairs. If it's completely totaled, your insurance pays for replacement.
  • Medical payments: All medical bills, no matter if it's a not-at-fault or-at fault accident.

Are there any benefits to AAA insurance?

AAA has an extensive range of added features that are available to add to your insurance policy, including the following:

  • Tow services: Roadside assistance is available for policyholders. You've got 4 tow service phone calls per policy (for up to 100 miles).
  • Custom parts and equipment: Repair and replace your motorcycle's custom parts and unique engine.
  • Safety apparel: Repairs needed for your helmet and other safety gear.
  • Locksmith services: If you lose your key or it's stolen, you're reimbursed up to $75.
  • Trip interruption: Up to $1,000 coverage for flood and accommodation during delays on your trips.
  • Fuel delivery: Run out of fuel on the highway? No problem. Get gas delivered to you.
  • Trailer assistance: If you've got additional transport and tow-behinds, they're also eligible for towing services, locksmith services, air for tires, and extrication.
  • Extrication: A professional retriever gets your bike if it's stuck or falls into a ditch.

Do I get discounts with AAA?

Being with AAA allows you to enjoy many discounts available at leading stores, such as the following:

  • Repair shops: AAA has many repair shops on its network, and you get a discounted rate when you use these services.
  • Parts and accessories discount: Need new parts for your AAA motorcycle? Get them from NAPA stores or online to receive discounts.
  • Vehicle purchases: AAA has many partnerships with leading car dealerships, allowing you to get discounts on your next purchase.
  • Interstate passes: Get to where you need to be with a 10% discount on interstate passes.
  • Tires and accessories: Adding to your motorcycle to increase quality gets done at a discounted rate.
  • Car care centers: Save money on your next car or motorcycle service by going to one of AAA's partnership care centers.

Progressive provides a $50 discount on auto repairs when done at a AAA approved workshop. Contact Progressive to get your easy car insurance quote, today!

How do I apply for AAA motorcycle insurance?

To find your nearest AAA agency follow simple steps:

  1. Go to the AAA homepage
  2. Enter your ZIP code
  3. Navigate to the 'find an agent' page
  4. Choose the nearest agent and give them a call or stop by for a visit

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