Nationwide Motorcycle Insurance Review

see how Nationwide Motorcycle Insurance compares

1 Minute Review

As a motorcycle enthusiast, you already know there’s nothing like the thrill of jetting across an open road. That’s exactly why you’re addicted to riding your bike. But as fun as it is, riding your bike also can be risky. That’s why having a solid motorcycle insurance policy is important — you’re always protected against losses if you get hurt or property is damaged. Especially if you’re a good driver, Nationwide really is on your side. To help you get on the road to experience your next thrilling ride, we’ve gathered lots of information for you.

Best For

  • Safe drivers
  • High coverage limits
  • High-risk rider rates
  • Personal items coverage

Pros

  • Vanishing deductible option
  • OEM endorsement
  • Guaranteed claims service repairs
  • Multi-policy and 8 other discounts
  • 24/7 claims support Online claim filing
  • A+ A.M. Best financial strength rating
  • Vintage/classic bike endorsements

Cons

  • No total loss coverage
  • No price lock-in
  • Lacks straightforward quote process
  • Not available in every state. No coverage offered in Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
  • Mixed customer reviews
  • Safe drivers preferred; high risk drivers may not be eligible for coverage
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One-Minute Review

As a motorcycle enthusiast, you already know there’s nothing like the thrill of jetting across an open road. That’s exactly why you’re addicted to riding your bike. But as fun as it is, riding your bike also can be risky. That’s why having a solid motorcycle insurance policy is important — you’re always protected against losses if you get hurt or property is damaged. Especially if you’re a good driver, Nationwide really is on your side. To help you get on the road to experience your next thrilling ride, we’ve gathered lots of information for you. 

Who’s Nationwide Motorcycle Insurance For?

Nationwide motorcycle insurance is for you, the enthusiast who loves turning heads with your custom-built chopper or the investor who discovered a vintage or antique motorcycle, re-built it and painted flames on its sides. Whether you’re a biker ready to hit the road for the very first time or you’re thinking about increasing your medical payment coverage in case you take a terrible tumble, Nationwide offers you the right motorcycle insurance coverage with the right price.

Nationwide Motorcycle Insurance Policy Types

Nationwide agents across the country get it. You’re just as unique as your bike. So no matter what type of bike you have and what you call it — chopper, hog, dirt bike, moped or enduro — and if it has 2 wheels or 3, Nationwide can provide insurance coverage that protects riders on any road that’s traveled.

  • Vintage and antique motorcycles: Nationwide offers an immense selection of classic car coverage. You can get vintage and antique motorcycle insurance policy products for classic motorcycles, and it covers kit and vintage bikes up to $30,000 per bike.
  • Mopeds: You might argue that a moped really isn’t a motorcycle. Even by any other name, an increasing number of states now require moped insurance for the vehicle to be considered street legal. That includes mopeds with 50cc engines or smaller. Nationwide covers mopeds and scooters with super fast 50cc engines to those with a 500cc engine for regular street use.
  • Scooters: If you want to ride your scooter on streets and highways, you’ve got to have insurance on it. Insurance coverage still is extremely valuable even if you don’t plan on using the scooter every day for getting back and forth to work or play.
  • Dirt bikes: Most states don’t legally allow them on the street, however, you and your dirt bike can benefit from being properly covered with insurance. Nationwide’s dirt bike insurance options includes collision and comprehensive coverage, as well as personal property, bodily injury and medical payment coverage. If you use your dirt bike in extreme sports, those coverages are particularly important options.
  • Customized motorcycles: If you customize your bike, you can get a policy that offers $3,000 worth of protection for custom equipment and any other upgrades added to the bike. If you need more coverage,  Nationwide’s custom motorcycle insurance allows bike owners to protect custom parts for up to $30,000, and converted or custom tricycles are covered up to $50,000.
  • Sports bikes: Riders often are drawn to high performing sports bikes, often called crotch rockets, because these supersports motorcycles are head turners that have far more horsepower than other motorcycles. That makes them faster, with the power to travel speeds up to 190 mph. As fun as they can be, riders are four times as likely to have fatal accidents than other types of motorcycles. That’s why various features such as an anti-lock brake system can affect policy rates. Before setting out for a go-fast ride, discuss with a Nationwide agent adequate and essential levels of coverage for these popular, speedy sports bikes.
  • Touring motorcycles: You can bring along all the essentials while traveling on a touring motorcycle. Between the GPS, radio, and the gear stored in the bike’s bags and panniers, be sure your contents are covered by balancing your homeowners’ coverage with the touring bike’s coverage for a worry-free traveling experience.
  • 3-wheelers and auto cycles: Whether you’ve got a converted or factory built 3-wheeler or an auto cycle, it can be protected with a Nationwide motorcycle insurance policy. Converted trikes may require additional custom equipment coverage to insure after-market modifications. Auto cycle insurance varies from state to state: In some states 3-wheelers are considered and insured as motorcycles; other states require the same coverage as cars.
  • Multiple motorcycles: If you’re a collector or want to enjoy different bikes, Nationwide offers policy options for numerous bikes covered under 1 policy for up to $50,000 for each bike.
  • New and like-new motorcycles: Original equipment manufacturer (OEM) endorsements help ensure your motorcycles are repaired with new parts from the OEM. If an OEM part is unavailable, payment is based on the fair market value of the new part. This type of coverage is available for new motorcycles and until the motorcycle is 10 years old.

Nationwide Motorcycle Insurance Policy Options

Nationwide motorcycle insurance policy offer several policy options riders can purchase. Some of these include:

  • Custom equipment: Your custom equipment policy option covers aftermarket parts and equipment that weren’t originally installed on your motorcycle by the manufacturer. You’ll get $3,000 worth of coverage if you have comprehensive insurance, but you can purchase up to $30,000 in additional limits.
  • Roadside assistance: You can increase your coverage to include any trip interruption expense incurred while you’re traveling more than 100 miles away from home.
  • OEM endorsement: If you have an accident, make sure your motorcycle is repaired with new parts from the original equipment manufacturer, when they are available.

Policy Options Rating: 4/5

Available Discounts and Tips on Getting the Best Rates

You can save money on Nationwide’s motorcycle insurance by buying multiple policies like home, vehicle or life policies. You also can get discounts by bundling your other vehicles, boats, snowmobiles and ATVs.  Here are some other ways you can save:

  • Motorcycle safety course: Earn a discount on motorcycle insurance coverage by completing an approved safety course. Visit the Motorcycle Safety Foundation to learn about what types of courses are available.
  • Theft-recovery device: If you add a professionally-installed radio or GPS theft-recovery system, you can save money on comprehensive coverage.
  • Homeowner: If you own a home, condo, townhome or mobile home, you’re eligible for a discount.
  • Paid in full: You’ll pay less for your motorcycle insurance by paying your entire policy premium in full when you buy or renew your policy.
  • Anti-lock brakes: If your motorcycle is equipped with a factory-installed anti-lock braking system (ABS), you’ll get a discount.
  • Affinity member: Get a discount just for being a member of a qualifying organization. Nationwide partners with hundreds of organizations, including alumni associations, professional groups, sports groups and special interest groups.
  • Riding association: If you’re a member of the Harley Owners Group or another riding association, you can earn a discount.

Available Discount Rating: 4.5/5

Nationwide Motorcycle Insurance Coverage Selections

  • Bodily injury liability: If you cause an accident and someone is injured, this motorcycle insurance coverage can help pay their medical bills and loss of income.
  • Property damage liability: If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property, if you cause an accident.
  • Collision: Collision coverage may be required if your vehicle is financed or leased.
  • Comprehensive: Also known as “other than collision,” this motorcycle coverage can help pay for damage to your vehicle from vandalism, theft, weather events and falling objects.
  • Uninsured or underinsured motorcycle coverage: Uninsured motorist insurance may help protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause you, your passengers or your bike. It can be paired with underinsured motorist coverage for situations where the other driver’s insurance will pay only for some of the damages or from hit and run accidents.
  • Medical payments: Also known as Personal Injury Protection (PIP), medical care pay can help cover medical costs related to an accident, regardless of who’s at fault.

Customer Service

You can reach Nationwide Insurance’s customer service around the clock by:

  • Calling Nationwide Insurance at 877-669-6877 to get a quote for a new policy, file a claim, pay your bill and other assistance.
  • Emailing Nationwide a secure message through the company website at nationwide.com to receive assistance with billing, payments, claims and to get answers to any questions you may have. 

Claims Support

In the unfortunate event you need to file a claim, you can do so by contacting Nationwide Insurance. A claims agent will ask for basic information such as your name, address and telephone number and ask for details about the claim like what happened and if there were any witnesses. 

Here’s how you can file a Nationwide Insurance claim:

  • Log into your Nationwide Insurance account.
  • Call the Nationwide Claims phone number at 800-421-3535.
  • Contact your agent.

Pricing and Value

Adding physical damage protection and full coverage can dramatically increase the policy rate. Average cost for 25 to 60-year-old drivers with a good driving record, full coverage for cruisers or touring bikes is $400–800 annually.

Nationwide received mixed customer ratings in the 2018 J.D. Power Auto Claims Satisfaction with mid-range reviews, but it received above average marks from the BBB and Consumers Advocate. 

What You Also Should Know

Nationwide offers some of the best rates for “high-risk” bikers so we recommend it if you’re looking for a cheaper rate. Don’t count on approval across the board because the carrier is selective about covering risky riders. 

Every policy includes $2,000 coverage for personal belongings. Most carriers don’t offer that, and if they do it’s only up to $1,000. But huge drawbacks to Nationwide is no replacement coverage for stolen or totaled bikes and no discounts for having no at-fault accidents, being a mature rider, renewing your policy or switching from another carrier. If these are deal breakers, you’ll have to search elsewhere for coverage.

If you want more information, check out other motorcycle insurance companies and learn even  more about motorcycle insurance.

Overall Rating: 4.5/5