Joining a motorcycle club or association isn't just about the rides and camaraderie—it can unlock meaningful insurance discounts. Groups like the American Motorcyclist Association (AMA), Harley Owners Group (H.O.G.), and hundreds of local clubs have partnerships with insurers that offer exclusive member discounts. Many riders find that club membership creates insurance savings opportunities that often exceed the annual membership costs, making it a smart financial move for your wallet.
Insurance companies view riding club members as lower-risk clients because many clubs offer safety courses and training programs, leading to safer riders who are less likely to make claims.
Here's the deal: insurers love predictable, responsible riders. When you join a recognized motorcycle club or association, you're essentially joining a vetted community that insurance companies trust. These groups often negotiate bulk insurance deals with carriers, passing those savings directly to members.
The process is straightforward. You join a qualifying club, get your membership number, and mention it when getting quotes. The insurer verifies your membership and applies the available discount.
What makes this work so well:
Not all clubs are created equal when it comes to insurance savings. Major insurers like Progressive offer discounts to members of the Harley Owners Group and United Services Automobile Association (USAA), while others work with manufacturer-specific clubs and regional associations.
Brand-Specific Clubs:
General Motorcycle Associations:
Local and Regional Clubs: Many local riding clubs, touring associations, and state-specific organizations have partnerships with regional insurers. Don't overlook smaller groups—they often have surprisingly good deals.
Professional Associations:
The key is asking your insurer which clubs they recognize. Some carriers maintain extensive lists of qualifying organizations, while others evaluate clubs case-by-case.
The savings vary by insurer and your specific situation, but they're worth pursuing. Different carriers offer different discounts to various club and association members.
Common Types of Savings:
Stacking Discounts: The real advantage comes when you combine multiple discounts. Smart riders often qualify for several discount types simultaneously, creating compound savings opportunities. For a comprehensive breakdown of all available motorcycle insurance discounts and how to stack them effectively, check out our complete guide to motorcycle insurance discounts.
Consider This: Most motorcycle club memberships cost between $35-75 annually. Even modest insurance savings can offset membership fees while providing additional community and safety benefits.
When shopping for group motorcycle insurance discounts, not all insurers offer the same opportunities. Here's what to look for and how Roamly stands out:
What to Look For in Group Programs:
Why Roamly Excels for Club Members: Roamly offers discounts for association members, homeowners, safety course completion, and responsible drivers. As a company built by adventure enthusiasts, we understand the riding community's unique needs and offer coverage designed specifically for riders who actually use their bikes.
Roamly's Advantages:
Pro tip: Don't assume your current insurer offers the best group discounts. Shop around with your membership credentials in hand—different carriers have different partnerships and discount structures. Get quotes from multiple insurers, including specialists like Roamly who focus specifically on recreational vehicle coverage.
The insurance savings are just the beginning. Club membership opens doors to:
Safety and Training: Most recognized clubs offer or require safety courses that not only make you a better rider but also qualify you for additional insurance discounts. The Motorcycle Safety Foundation's Basic RiderCourse is the gold standard for rider education in the United States, with most insurance companies providing discounts for course completion.
Community and Support: Riding clubs provide networking opportunities, group rides, and a support system of experienced riders who can help with everything from route planning to maintenance tips. Many adventure riders find that combining motorcycle coverage with RV insurance creates additional multi-policy bundling opportunities for even greater savings.
Exclusive Access: Many clubs offer members-only events, early access to new model releases, and discounts on gear, parts, and services beyond insurance.
Trip Interruption Coverage: Some insurance benefits include trip interruption coverage for breakdowns during long rides, which can be invaluable for touring enthusiasts.
Getting started is easier than you think. Here's your step-by-step game plan:
1. Research Clubs in Your Area: Start with national organizations like the AMA or brand-specific groups if you ride a particular manufacturer's bike. Check local dealerships—they often sponsor or know about regional clubs.
2. Compare Membership Benefits: Don't just look at insurance discounts. Consider safety courses, event access, and other perks that add value.
3. Join Before You Shop: Get your membership established and receive your credentials before requesting insurance quotes. This ensures you can claim discounts from day one.
4. Shop Multiple Insurers: Different companies have different partnerships. Get quotes from several carriers, mentioning your club membership each time.
5. Ask About Stacking: Many insurers let you combine club discounts with safety course completion, homeowner discounts, and other savings opportunities.
6. Keep Memberships Current: Insurance companies verify membership status. Let your club membership lapse, and you'll lose the discount.
Don't let another riding season pass without maximizing your insurance savings. Whether you're already part of the motorcycle community or looking to join, group discounts offer real money back in your pocket—money better spent on gas, gear, or that next adventure.
Since most states require motorcycle insurance, you're already paying for coverage—why not get the best possible rate? Unlock your group discount today—get a fast, personalized motorcycle insurance quote from Roamly. Our team understands the riding community because we're part of it. We'll help you identify every available discount and find coverage that actually makes sense for how you ride.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.