AAA does cover motorcycles, but in two separate ways that are easy to confuse. AAA sells motorcycle insurance through partner carriers, and AAA membership can include motorcycle roadside assistance as either a built-in benefit or a paid add-on. Both depend on which regional AAA club serves your state, so the same question can have different answers in Florida, Arizona, and Massachusetts.
Motorcycle Insurance Sold Through AAA
AAA does not underwrite motorcycle insurance itself. It acts as an agent, placing members with outside carriers such as Progressive, American Modern Insurance Group, Foremost, Safeco/Liberty Mutual, and Umialik.1AAA Mountain West Group. Motorcycle Insurance2AAA Club Alliance. Specialty Lines Insurance3AAA Northeast. Motorcycle Coverage4AAA Washington. Motorcycle Insurance
Because the carrier, pricing, and discounts change by state and club, the practical first step is a ZIP code lookup on your local AAA club’s website or a call to a local AAA insurance agent.
What Motorcycle Policies Cover
The standard menu looks much like other motorcycle coverage. Specific options vary by carrier, but policies placed through AAA commonly include:
- Bodily injury liability, for medical or funeral costs of others when you cause an accident.
- Property damage liability, for damage you cause to someone else’s property.
- Collision, to repair or replace your bike after a crash.
- Comprehensive, for theft, vandalism, fire, and animal strikes.
- Uninsured and underinsured motorist coverage.5AAA Auto Club Group. Motorcycle and ATV Insurance
- Medical payments or personal injury protection, depending on the state.1AAA Mountain West Group. Motorcycle Insurance
Three add-ons are worth asking about directly. Custom parts and accessories coverage pays for aftermarket work like custom paint, wheels, or crash bars; without it, collision and comprehensive typically pay only for factory parts.6AAA Mountain West Group. Get the Facts on Motorcycle Insurance Trip interruption coverage reimburses lodging, transportation, and meals when your bike breaks down far from home, usually 100 or more miles away. Transport trailer coverage pays for physical damage to trailers used to haul motorcycles.1AAA Mountain West Group. Motorcycle Insurance Some AAA policies also allow more than one bike on a single policy, including vintage models and trikes.7AAA Northeast Magazine. Motorcycle Insurance
Two more items that often get overlooked. If you ride with a passenger, check whether guest passenger liability is bundled into your bodily injury coverage automatically or offered separately.7AAA Northeast Magazine. Motorcycle Insurance If you carry an umbrella policy, confirm that it extends to the motorcycle; AAA notes that motorcycles can be excluded by default and may need an endorsement.8AAA Auto Club Group. Motorcycle Insurance Guide
Discounts and Ways to Lower the Premium
The exact discounts depend on who underwrites your policy, but AAA clubs commonly cite:
- Bundling motorcycle coverage with auto or homeowners from the same insurer.
- A clean driving record.
- Insuring more than one motorcycle.
- Completing a certified rider training course.
- Belonging to a motorcycle riders’ organization.
- Mature rider status, generally age 55 and up, or long riding experience.
- Anti-lock brakes, alarms, ground anchors, and other anti-theft or safety equipment.1AAA Mountain West Group. Motorcycle Insurance
AAA also points to lever adjustments outside the discount list: raising deductibles, trimming optional coverages, or dropping some coverages during months the bike is in storage.
Motorcycle Roadside Assistance Is a Separate Product
Even if you buy motorcycle insurance through AAA, your roadside assistance for the bike comes through your AAA membership, not your insurance policy.1AAA Mountain West Group. Motorcycle Insurance And how motorcycles fit into membership varies sharply by club.
Florida, Georgia, Tennessee, and Puerto Rico
For AAA Auto Club South and AAA Auto Club Group members, motorcycles are not covered under the standard Classic, Plus, or Premier memberships. Their benefits tables list “NO” for motorcycle towing, fuel delivery, and locksmith service at every standard tier.9AAA Auto Club South. Motorcycle Coverage A separate AAA Motorcycle add-on costs $35 per member per year, prorated when added mid-year, and attaches to any membership level.10AAA Auto Club Group. Motorcycle Coverage
The $35 add-on includes four motorcycle-specific tows of up to 100 miles each per year, four additional motorcycle-only service calls, free emergency fuel delivery, locksmith reimbursement up to $75, trailer assistance, and travel interruption reimbursement up to $1,000 for breakdowns 100 or more miles from home.9AAA Auto Club South. Motorcycle Coverage A three-day waiting period applies after payment. Outside the four-state territory, members can submit receipts from qualified roadside services for reimbursement consideration. Coverage extends to scooters, Vespas, and mopeds registered with valid tags.10AAA Auto Club Group. Motorcycle Coverage
Northern California, Nevada, Utah, Alaska, Wyoming, Montana, and Arizona
At AAA Mountain West Group, Premier membership in Utah, Northern California, Nevada, Alaska, Wyoming, and Montana includes motorcycle coverage at the Premier level, with one tow up to 200 miles and remaining tows up to 100 miles.11AAA Mountain West Group. Roadside FAQs Classic and Plus memberships in those states do not include motorcycles.12AAA Mountain West Group. Membership FAQ
Arizona works differently. Premier there does not automatically cover motorcycles; members need either the AAA Plus RV or AAA Plus Motorcycle plan, both providing Plus-level coverage with towing up to 100 miles.13AAA Mountain West Group. Membership FAQ
Parts of New York, New Jersey, Connecticut, Massachusetts, Rhode Island, and New Hampshire
AAA Northeast offers a Motorcycle and RV Upgrade that attaches to Plus or Premier memberships. It is not available to Basic or AAA Everyday members, and every member in the household must be enrolled at the same Plus or Premier level.14AAA Northeast. Membership Terms and Conditions
Covered vehicles include street-legal and registered two- and three-wheeled motorcycles (including those with sidecars), mopeds, scooters, and motorized bicycles. Motorcycle trailers are excluded. Towing and extrication are covered up to $500 per service call and $1,000 total per household per membership year, and motorcycle calls count against the member’s annual allotment of four roadside assistance calls.14AAA Northeast. Membership Terms and Conditions
If your state falls outside these examples, confirm the rules with your local club directly. The pattern across AAA is that motorcycle roadside coverage is handled as a club-level decision, so no single national answer applies.
Filing a Claim
Because the policy is written by an outside carrier, the claim follows that carrier’s process. AAA’s general guidance is to make the scene safe, document it with photos, exchange contact and insurance information with other parties, and notify the insurer as soon as possible. An inspection of the motorcycle may be required, and AAA advises keeping copies of all correspondence. Providing false information during a claim can lead to denial and legal consequences.8AAA Auto Club Group. Motorcycle Insurance Guide
How State Requirements Shape the Coverage You Need
Nearly every state requires some form of motorcycle insurance, with required coverage types and minimum liability limits varying widely. Most states require at least bodily injury and property damage liability; some also mandate uninsured motorist coverage, personal injury protection, or medical payments coverage.15Progressive. State Motorcycle Insurance Requirements Florida is a notable exception, with no motorcycle insurance requirement at all.16Insure.com. State Motorcycle Insurance Requirements Riders financing a bike will usually be required by the lender to carry collision and comprehensive coverage regardless of state rules.
Minimum liability limits run from $15,000/$30,000 bodily injury and $5,000 property damage in California to $50,000/$100,000 bodily injury and $50,000 property damage in states such as North Carolina and Alaska.6AAA Mountain West Group. Get the Facts on Motorcycle Insurance17North Carolina Department of Insurance. Motorcycle Insurance AAA and other insurers generally recommend carrying limits well above the state minimum, since motorcycle accidents frequently produce serious injuries and medical costs that exceed bare-minimum coverage.