The American Automobile Association (AAA) is a familiar name in many households. This company provides comprehensive emergency roadside services, including long-distance towing and lockout assistance, for an affordable price.
In return for your investment in AAA, you can receive discounts and deals at many locations. It’s not unusual to save 15% or more when booking hotels, airline tickets, and other travel-related activities.
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AAA motorcycle insurance is available to riders in a few states. It depends on what your local club provides. This coverage is subject to change.
If you are looking for a new policy, here is what you can expect when working with this company.
Table of Content
- What to Expect with AAA Motorcycle Coverage
- What Are the Costs of AAA Insurance?
- Does AAA Offer Any Motorcycle Insurance Discounts?
- AAA Motorcycle Insurance Ratings in Critical Categories
- FAQ About AAA Motorcycle Insurance
- Is AAA Motorcycle Insurance Worth Considering?
What to Expect with AAA Motorcycle Coverage
Motorcyclists can expect to receive options for full coverage or liability-only policies when working with AAA. Coverage varies by state and club, with some offering protection for permanent accessories and safety equipment.
Some AAA clubs provide passenger insurance. You’ll need to contact a local agent to discuss what is available for your motorcycle.
All clubs provide these five standard insurance types in some shape or form.
- Liability Insurance. This coverage protects you financially from injuries or property damage in an accident. All states except Florida require a minimum amount.
- Collision Insurance. Your bike receives coverage after an accident without determining who caused the issue. It also covers damage when colliding with other items.
- Comprehensive Insurance. It would help if you had this option with your policy for seasonal motorcycle insurance, environmental events, theft, vandalism, and anything unrelated to a collision.
- Underinsured and Uninsured Coverage. Your damages and medical bills are covered if you’re hit by someone without enough insurance (or no insurance) while riding your motorcycle.
- MedPay. This option covers your medical bills to a capped limit regardless of who was found to be at fault for an accident. Some healthcare plans exclude benefits for motorcycle injuries, so this option is worth considering when available through the local AAA chapter.
What Are the Costs of AAA Insurance?
Several factors influence the individualized quote that a rider receives from AAA. Your driving record, the motorcycle make and model, and the various add-ons and accessories play a role in your monthly premium.
A low-risk rider with a 600cc or smaller engine typically pays between $100 to $200 annually for minimum liability coverage. If you need total protection, a conservative policy typically costs less than $1,000 per year.
Factors that can cause those rates to be significantly higher include:
- Riding sport and touring bikes.
- Being a high-risk rider.
- Requesting insurance while under the age of 25.
Does AAA Offer Any Motorcycle Insurance Discounts?
The best part of having a AAA motorcycle insurance policy is the option to include the club’s comprehensive roadside assistance in your coverage. You’ll receive everything from fuel delivery to trailer assistance while receiving up to four tow service calls per year.
Your AAA membership includes several online benefits through the provider’s app. You can find several data points with a few taps or clicks without added costs.
- You can check on traffic conditions or plan a trip.
- The app lets you find the lowest fuel prices in your area.
- It can help with flight and hotel booking.
AAA insurance provides a few discounts with its coverage that could be helpful for some riders. You receive discounts on parts at NAPA stores or online, with multiple vehicles on the same policy, and by having an excellent driving record.
AAA Motorcycle Insurance Ratings in Critical Categories
I have taken the time to assess AAA’s motorcycle insurance and provide ratings out of 5, based on my personal experience with the company. These ratings are meant to offer an impartial evaluation of their insurance offerings. Let’s take a closer look at each category and see how AAA performs.
- Customer Service: 5/5. AAA offers American-based customer service on multiple levels, including live chat, phone, and email. Most customers get their problems solved or the answer they need in a single contact.
- Online Tools and Resources: 4/5. You can access your AAA membership online or through the company’s companion app. It’s more challenging to update your insurance policy with these tools, but it is possible. This insurer publishes travel guides, troubleshooting checklists, and other resources you can often access for free.
- Claims Process: 4/5. The claims line is available 24/7. You can also submit the information online through your account dashboard.
- Coverage Options: 5/5. You can find numerous additional benefits to add to your motorcycle insurance, including towing, safety apparel repair, trip interruption, fuel delivery, and extrication.
- Financial Stability: 3.5/5. Although the A grade from A.M. Best is listed as “excellent,” it is lower than most other national-level motorcycle insurance providers.
- Additional Features: 5/5. With AAA motorcycle insurance and membership, you’re well-covered if anything happens on a trip. From lockouts to needing a quick jump, your bike will receive plenty of love.
- Underwriting Process: 3/5. Requesting a quote feels a lot like an upsell. Some of the features I want the most come with a AAA membership – not the actual insurance policy.
- Pricing: 4/5. Prices for AAA motorcycle insurance start at $35 per year for liability-only policies for members. If you don’t have a membership, prices can be as high as $200 annually. The rates are still highly competitive compared to other national providers.
- Reputation: 5/5. AAA has a robustly positive reputation throughout the industry and with customers.
FAQ About AAA Motorcycle Insurance
Some questions often arise when asking for a free motorcycle insurance quote from AAA. Here’s a closer look at the issues I encountered and the answers I found.
Do I Need a AAA Membership to Get Motorcycle Insurance?
No. You can request a free quote for AAA motorcycle insurance without being a member. The costs are significantly lower if you become a member, and you’ll have access to several discounts from different businesses.
You can pay for your annual membership monthly now. In the past, it had to be paid in full at the time of your application.
Do AAA Discounts Have Limits?
You have a purchase limit of two products per category at the email or shipping addresses associated with your account.
Is AAA Motorcycle Insurance Worth Considering?
It is worth checking with your local AAA club to see if motorcycle insurance is available. Some states and chapters offer protection for OEM and custom parts, while others provide the required minimum and nothing more.
If AAA insurance isn’t available in your state, consider working with another nationwide provider to get a quote. Companies like GEICO and Progressive have a reputation for delivering high-quality coverage options while keeping prices competitive.
Here’s GEICO vs. Progressive – a comparison.
Anyone who has ever had to request roadside assistance from AAA will be familiar with the customer assistance process. This workflow is like what you’ll experience when filing a claim if something happens to your motorcycle. You can expect straightforward services that focus on getting the job done quickly.
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