USAA insures motorcycles in California directly. No Progressive underwriting. I just wrecked my Road Glide about a month ago and the check that my dealer got was a USAA check. I'm paying $472 a year for 300K a person 500K an accident with a 500 deductible.

 

Yes and No. They stopped writing new policies for bikes a year or two ago. I had the same thing. They moved it from an individual policy to a rider on my truck insurance, so I didn't bitch they were still really cheap. Threw a cop for a loop at one point I had Texas insurance, Virginia tags, and an Indiana License. Took him a second to notice the DoD stickers I guess.

However, when I bought a new bike last month I called them and they pushed me over to Progressive, who wanted ANOTHER $200 for my old bike and $2100 a year for the one I was buying. Since the addition of the new bike would double my insurance I passed. That was full coverage on 2006 truck, my 2000 Triumph, renters coverage, and antique coverage on my 73 Camaro.....doubled.

So I dropped both bikes from USAA, and got a warning that if I did, I would never be able to get another policy for a motorcycle from USAA, which was fine, I found a local company that only deals in bikes that will cover my standard and my super sport for less then the 2000 Triumph with USAA.

Edit

I'm paying $441 a year for full coverage on a 2000 Speed Triple and a 2009 Daytona 675 both Triumphs, and this in New Jersey where USAA literally DOUBLED my policies when I moved here from New Mexico.

 

I pay 260 a year for my 01 FLHTCI with a $100 ded. I have the upper level of insurance as well.

 

I use USAA banking, but do not use insurance through them.

I use geico, and I pay around $80 for full coverage on my streetbob and I am 24.

 

Anyone know what states USAA does direct bike insurance with? I can get an address if they are as good as when I was 19 back then a new GS1100E sportbike was only $146/ for SIX months.... full coverage!!! guys 40 were paying 1200 & way up for same , they also classified my corvette as a "2 door sedan" LOL!!!

 

I've been with USAA for 28+ years, and have had 4 (soon to be 5) mortgages, countless car/truck insurance polices, life insurance, credit cards, banking and investments - but no bike insurance. they don't write motorcycle policies in Texas. I had Progressive on my last bike, current one is through Markel (HD) - they beat Progressive by almost $100/yr. the Fatboy runs around $425 annual.

I would never switch - their customer service is the best, and they have always paid my claims in a timely manner and always seemed to pay a fair price.

 

We used to use USAA for everything, but the service here in MI has gone down the tubes, ins rates on the cars and bikes is more than many, and we are pulling out from them, switching the Ins to Allstate (cheaper here in MI by a LOT) and banking through navy federal. Pretty depressing since we used to have everything through them. Now we can't even get a title in less than 2 weeks.

 

Because of this thread, I decided to check with Progressive, Geico, Alstate and Farmers. I've been riding for 5 years, had my M1 endorsement for 5 years, Ive been through the MSF basic and experienced riders courses and have 1 accident (thanks BMW rider who rear ended me) and the lowest quote I got for 300K a person 500K an accident with a 500 deductible was 2200 a year, the most was 4500. I think I will stick with USAA for the 450 a year I'm paying.

 

USAA would not insure the bike I'm going to be getting. They referred me to Progressive. I got a quote for 550 a year. That's with the loaded coverages to match what I have with USAA on my autos.

I've been a member of USAA since they opened memberships to NCOs in '98. My autos, home, rentals, banking are all done with USAA.

 

Just for ****s and giggles today, I ran a quote directly with Progressive and the rate came in at $418 a year. $100 + less than what was given through the USAA rate. WTF?