USAA
USAA Bike Insurance
USAA Bike Insurance
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What’s bicycle insurance?
It helps protect cyclists and their bikes if something happens that’s covered by their policy like theft or crash damage.
You can customize your coverage, whether you ride for transportation, recreation or competition.
A bike policy gives you greater protection than a typical homeowners or renters policy, and includes options for liability, medical payments and even racing coverage.
What types of bikes are covered?
Markel offers coverage for different kinds of bicycles, including but not limited to the following:
- BMX bikes
- Electric bikes, or e-bikes
- Mountain bikes
- Recumbent bikes
- Road or track bikes
- Tandem bikes
How a bicycle policy may help cover your electric bike
Find more information about e-bikes and the types that Markel covers on its bicycle policy.
Custom coverage to fit your needs
Most Markel coverages are optional, so you can get the protection you want. You pick the value limit of your bike, and deductibles range from $200 to $500.
Start with damage and theft protection.
Physical damage coverage could help cover repairs or replacement. It can include the following and more:
- Collision with another rider
- Crash damage
- Spare parts and accessories
- Transit protection to a location within the U.S. and Canada
Like to travel? Add coverage outside the U.S. and Canada.
Worldwide physical damage coverage could help repair or replace your bike.
This option includes all the same physical protection like replacement cost coverage, which means your bike is insured at full value.
Do I need bicycle insurance?
A typical homeowners or renters policy may limit protection for bicycles. If you have a low coverage limit and high deductible, you may end up paying most of the cost to replace your bike. A separate bicycle policy could help pay for repairs or a replacement.
IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.
Note 1 The USAA SafePilot® and USAA SafePilot Miles™ programs are optional programs available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot or USAA SafePilot Miles to receive discounts and/or mileage based rates. These programs are only available in select states. Program availability and state restrictions apply. Smartphone, data plan and download of the USAA DriveSafe™ App required.
USAA SafePilot and USAA SafePilot Miles: Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount will vary by program selected and may vary by state. Discounts are subject to change over the life of the policy.
USAA SafePilot program: Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days.
USAA SafePilot Miles program: This program is best for those comfortable with a monthly bill that varies and if you drive less than 8,000 miles per year.
Review the Program Terms and Conditions(Opens in New Window) for more information.Note 2 Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.
Note 3 Discounts may not be available in all locations and are subject to change, other restrictions may apply.
Note 4 Storage Discount is not available in North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.
Note 5 This is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.
Note 6 Potential average savings based on a countrywide survey conducted March 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. Individual savings may vary and isn't guaranteed.
Note 7 USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.
Note 8 Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.
Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.
USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.
USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.
The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.
Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.
Coverages subject to the terms and conditions of the policy.6638213
