USAA only insures new bikes through a 3rd party. I used to have them as well and it was cheap but I sold the bike and bought a new one a few years later and they stopped insuring new bikes through them. Also I would say Geico is cheaper for auto insurance but it was only about $20/month. USAA told me about a new policy called accident forgiveness but I don't know if it's worth staying with them and I would hate to change everything for just $20.
Regarding State Farm, each one is different. Initially in MO, I had to have a car insured with them but now in another state I only have to have the bike.