One thing about USAA is that they tend not to play this game-- but they outsource their motorcycle insurance to Progressive.
So for laughs about five years ago, I inquired about liability only coverage on a Suzuki SV650-- Progressive wanted $5K a year. On a bike that costs $6-7K new.
A local broker gave me the same coverage for $600.
Ever since then, I've had no interest in Progressive as a company...