Nationwide Motorcycle Insurance Review [2024]

Nationwide motorcycle insurance emerges as a top choice for riders seeking reliable coverage and exceptional service. With a history dating back to 1926 and an A+ rating from A.M. Best, Nationwide showcases its commitment to protecting riders and their motorcycles with comprehensive coverage options tailored to individual needs.

The company’s competitive rates, coupled with its nationwide availability and strong financial stability, make it a trusted choice for riders across the country.

While Nationwide offers limited discounts compared to some competitors, its responsive customer service and hassle-free claims process contribute to its positive reputation among customers.

Overall, Nationwide motorcycle insurance stands out as a dependable option for riders seeking peace of mind on the road.

What You Should Know About Nationwide

Company Contact Information:

• Website: Nationwide Motorcycle Insurance
• Phone Number: 1-877-669-6877

Related Parent or Child Companies:

• Nationwide Mutual Insurance Company

Financial Ratings:

• A.M. Best Rating: A+

Customer Service Ratings:

• Responsive customer service

Claims Information:

• Claims can be filed online, through the Nationwide mobile app, or by contacting Nationwide’s claims department directly.

Company Apps:

• Nationwide Mobile App: Available for iOS and Android devices, allowing customers to manage their policies, file claims, and access roadside assistance.

What types of motorcycles does Nationwide insure?

Nationwide tailors products according to your needs and the type of bike you own.

For example, Nationwide can add an OEM endorsement to your policy when you buy a new or like-new motorcycle, ensuring that you get new parts from the original equipment manufacturer. If new parts are unavailable, the company will pay you an amount based on the fair market value of that OEM part instead.

If you have an antique vintage motorcycle, talk with Nationwide about classic motorcycle insurance. This can cover your bike up to $30,000.

If you only plan to use your bike off-road, you should still get insurance to protect against damage. In this case, Nationwide motorcycle insurance can extend to include extreme sports and provide collision, comprehensive, bodily injury, personal property, and medical payment protection.

When back on the blacktop, ask Nationwide about coverage for sport bikes or touring motorcycles. Some states may require you to carry moped car insurance, and you can get Nationwide moped insurance. 

If you need coverage for additional items such as two-way radio and GPS, you may be able to blend insurance for a motorcycle like this with Nationwide homeowners content coverage. See our article on home and auto insurance bundles

Read more: Does car insurance cover motorcycles?

Nationwide Insurance Coverage Options

Nationwide provides a range of coverage options for motorcycle insurance, tailored to meet the diverse needs of riders. These coverage options include:

• Comprehensive Coverage: Protection against damages not caused by collisions, including theft, vandalism, and natural disasters.
• Collision Coverage: Coverage for damages resulting from collisions with other vehicles or objects.
• Liability Coverage: Coverage for bodily injury and property damage to others in the event of an accident.
• Uninsured/Underinsured Motorist Coverage: Protection against damages caused by drivers with insufficient or no insurance coverage.
• Medical Payments Coverage: Coverage for medical expenses resulting from injuries sustained in a motorcycle accident.
• Personal Injury Protection (PIP): Coverage for medical expenses and lost wages for you and your passengers, regardless of fault.
• Roadside Assistance: Optional coverage for assistance in the event of breakdowns, flat tires, or other roadside emergencies. Learn more in our article Top Roadside Assistance Provider.

If you want to dig into more details about motorcycle insurance, see our articles Can you get liability insurance on a motorcycle with a salvage title? and Can I buy custom built motorcycle insurance?.

Nationwide Insurance Rates Breakdown

What issues influence Nationwide motorcycle insurance quotes?

Insurance underwriters take many factors into account when determining motorcycle insurance rates. When it comes to the machine itself, they need to know the vehicle type, age, make/model, and engine size. Companies also want to know how you intend to use the vehicle and whether it has any modifications or conversions.

The company will also gather crucial details about you, including your age, ZIP code, driving history, and credit score.

Read more:

• How long does an accident stay on your record?
• How long does a DUI stay on your record?
• Compare Moped Insurance Rates

Your rates will also vary depending on the deductible and policy coverages you choose.  In most states, you will need a minimum liability policy but should always consider comprehensive and collision to protect the value of your investment.

Read more: Cheapest Auto Insurance for Motorcycles

Nationwide Discounts Available

Nationwide seeks to attract motorcycle riders by offering various discounts. You may be eligible for:

• Multi-vehicle. If you have another car,  boat, or ATV, bundle these together for a saving. 
• Multi-policy. Why not combine this coverage with home or life policies?
• Theft recovery device. Get a GPS recovery system or professionally installed radio to save money on your comprehensive coverage.
• Anti-lock brakes. You need a factory-installed ABS to get this discount.
• Full payment. Pay your entire premium in full at the outset to get this discount.
• Association membership. You may qualify for another discount if you’re a member of an owners’ group or other riding association.

Nationwide insures many types of motorcycles and offers a range of discounts for riders. So it’s worth your time to consider using Nationwide while shopping around for various quotes.

For details on vehicle discounts, see our article Auto Insurance Discounts: The Best Ways to Save Money.

How Nationwide Ranks Among Providers

Nationwide bike insurance competes with several other major insurers in the motorcycle insurance market. Some of its main competitors include:

• Progressive: Progressive is known for its innovative insurance solutions and extensive range of coverage options for motorcycle riders. They offer competitive rates and discounts, including multi-policy and safe driver discounts.
• Geico: Geico is one of the largest motorcycle insurance providers in the United States, offering affordable rates and customizable coverage options. They provide various discounts, including multi-vehicle, safety course, and military discounts. See our Geico motorcycle insurance review.
• State Farm: State Farm is a well-established insurance provider known for its personalized service and extensive network of agents. They offer comprehensive motorcycle insurance coverage, along with discounts for multiple policies and safe driving habits.
• Allstate: Allstate offers motorcycle insurance with customizable coverage options and various discounts, including multi-policy, multi-vehicle, and safe rider discounts. They also provide roadside assistance and other optional coverages.
• USAA: USAA primarily serves military members and their families, offering motorcycle insurance with competitive rates and discounts tailored to military personnel. They provide comprehensive coverage options and excellent customer service.

These competitors pose a challenge to Nationwide by offering similar coverage options, discounts, and competitive rates, making it essential for Nationwide to continuously innovate and provide exceptional service to stand out in the market.