Is Nationwide Motorcycle Insurance right for you?

If you buy Nationwide motorcycle insurance, you will have the support of a financially strong insurance company that has been in business for almost a century. Nationwide may not be a perfect company; however, it does provide excellent motorcycle insurance coverages and a wide variety of discounts to make those coverages more affordable.

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UPDATED: May 4, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 4, 2022Fact Checked

Here's what you need to know...

  • You will need an active motorcycle policy if you want to take your motorcycle out on the road
  • Nationwide offers many types of discounts so you can lower your insurance rates
  • Nationwide has been in business for over 90 years and is financially strong

There’s nothing more freeing than whipping down the highway on your motorcycle, but to do so legally you’ll need to have an active insurance policy. So if you’re on the hunt for a new motorcycle insurance company, Nationwide motorcycle insurance should be at the top of your list.

Any Nationwide motorcycle insurance review will inform you that this highly reputable company has an A+ rating from AM Best and has been providing insurance products for close to a century.

If you’re trying to save money on your motorcycle insurance, Nationwide can help there too. You can get the coverage you need at the rates you want with an affordable Nationwide motorcycle insurance policy because, just as there are Nationwide car insurance discounts, you can obtain excellent discounts for your motorcycle insurance policy too.

Enter your ZIP code to get free insurance quotes if you want to see how the competition compares to Nationwide motorcycle insurance.

Who should buy Nationwide motorcycle insurance?

If you want to take your motorcycle out for a relaxing ride down some beautifully winding roads then you will need to make sure that your policy is not only active but meets your state’s minimum insurance requirements too. Nearly every state requires motorcycle owners to carry liability insurance at the very least.

These limits will vary by state as will the consequences for riding your motorcycle without insurance. If you are a first-time offender, you may only receive a large fine; however, you could face some very severe penalties if you continually drive without insurance. You may even lose your license, and that would be the end of seeing wondrous new places on your motorcycle.

In short, if you want to ride a motorcycle legally, you should look into getting some Nationwide motorcycle insurance quotes which, in this day and age, is easier than ever. With the click of a button, you’ll be able to review a plethora of motorcycle insurance quotes and find one with the coverage and rates that best suit your needs.

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How much does Nationwide motorcycle insurance cost?

Motorcycle insurance rates will always be different from person to person as Nationwide, just like all other insurance companies, makes every applicant participate in its insurance underwriting process. This process uses a multitude of factors to calculate your individual rate. Whenever you apply for a quote, you will need to supply:

  • The age you got your license
  • Your full name
  • Your address
  • Your gender
  • Your motorcycle make and model
  • Your credit score
  • Your driving history
  • Your current age
  • Your billing preference

As you can see, your insurance company really needs to get to know you as an individual before it can give you your rate. While motorcycle insurance rates will be different for every driver on the road, below you can see the average rate for different types of coverages:

CoverageMonthly Cost
Liability$78
Liability and underinsured$183
Minimum + collision$487
Minimum + comprehensive$571
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As you can imagine, Nationwide motorcycle insurance rates will also be influenced by the types of coverage that you decide to purchase to protect yourself. Let’s take a closer look at exactly what coverage types Nationwide has available for you.

What coverages are available with Nationwide motorcycle insurance?

When you decide to buy Nationwide motorcycle insurance, you’ll have a wide assortment of coverages at your fingertips like this:

  • Collision
  • Comprehensive
  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured/Underinsured Motorist Insurance
  • Medical Payments
  • Roadside Assistance

In addition to these fairly standard, yet highly important, coverages, you’ll be able to purchase additional coverage like custom equipment coverage and original equipment manufacturer coverage.

With custom equipment coverage, you’ll be able to rely on some financial assistance when you need to repair or even replace any aftermarket parts. While $3,000 in coverage is included with your comprehensive coverage, you can choose to buy up to $30,000 in coverage. This can be incredibly helpful if you love spending hours in your garage tuning up your motorcycle and upgrading it every chance you get.

Now, with original equipment manufacturer (OEM) coverage, you’ll be able to turn to Nationwide to get help paying for repairs with OEM parts. Of course, sometimes OEM parts won’t be available, but if that’s the case, you don’t have to worry about being left in the lurch. You’ll actually receive compensation from Nationwide for the market value of any OEM part that isn’t currently available.

Does Nationwide offer discounts to motorcyclists?

Nationwide is one of the best auto insurance companies in the business because this company not only has great protection to offer its clients but also incredible discounts that can make that protection all the more affordable. For example, with Nationwide’s vanishing deductible discount you can have your deductible reduced by $100 a year for a total reduction of $500.

This can make getting necessary repairs to your motorcycle less of a financial burden that you have to shoulder alone. You can review a few more of Nationwide’s discounts here too:

Nationwide DiscountsDetails
Multi-policySave $710 on average for bundling home and auto
SmartRide10% on sign-up; up to 40%
Accident FreeNo rate raise on first accident
Good StudentMust be full-time and have a minimum B average
Defensive DrivingOnly available for those 55 or older
Anti-TheftSavings vary on type of device and state
Safe DriverNeed at least 5 years of safe driving
Easy Pay Sign-UpBased on automated pay
Affinity MemberTheir membership program
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But wait, there’s more. If you own more than one vehicle you’ll also be eligible for a multi-vehicle discount, and if you took part in a motorcycle safety course, you could see your rates drop even more. You can even get a discount for hanging out with your buddies too — that is if your buddies are all a part of the same riding association.

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Nationwide Motorcycle Insurance: What You Need to Know

It’s a simple fact that you need insurance if you want to ride your motorcycle. That being said, if you are looking for a reliable, financially strong insurance company to protect you and your motorcycle, Nationwide may be the right choice for you. In business for over 90 years, this insurance company knows its stuff when it comes to motorcycle insurance.

Nationwide offers great coverages that can protect even the most tricked-out motorcycle as well as a wide range of discounts that can make those coverages available to a much larger group of people than you may have originally thought.

Of course, if you’re undecided about where to purchase motorcycle insurance, you can always shop online to find the best policy for you. With access to numerous free quotes, you’ll be able to decide if Nationwide insurance motorcycle coverage is what you need.

If you’re curious about Nationwide motorcycle insurance, enter your ZIP code below to get free insurance quotes today.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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