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Bicycle insurance starting at $100 a year‍ ‍‍ ‍ See note 1‍ ‍‍ ‍

Customize your coverage through the USAA Insurance Agency's alliance with Markel American Insurance Company.

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:

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.

Coverage options for other situations

Mix and match the coverage you want to get the policy you need.

Claims Filed Against You

Liability coverage could help protect you if you're responsible for injuries or property damage to another person or their belongings while riding your bike.

Accidents With a Vehicle

Vehicle contact coverage could help if you're in an accident with a driver who doesn't carry the proper insurance to cover your injuries and the damage to your bike.

Injuries While Riding

Medical payments coverage could help cover your medical costs up to your policy limit.

Roadside Assistance

Markel offers nationwide 24-hour emergency service with up to 35 miles of transportation per breakdown.

Coverage options for competitions

Renting a bike during a race

Rental reimbursement coverage could allow you to rent a substitute bicycle if your bike was damaged or stolen while competing in an organized ride more than 50 miles from home — up to $250 per rental.

Getting an entry fee reimbursed

Competitive event fee reimbursement coverage could help cover nonrefundable prepaid entry fees up to $500, or $1,000 total per policy term. This can apply if your bike’s in a covered accident and you can’t compete.

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.

Bicycle insurance FAQ

Policies start at $100 a year. The coverages you select, the value of your of bike and how you ride are some of the factors that determine the cost of a bicycle insurance policy.

Focus on the ride with custom coverage.

Get protection through the USAA Insurance Agency's alliance with Markel.

Have more questions?

Markel has specially trained representatives to help provide the service you expect from USAA.


Call Markel

Call Markel

855-480-9759