Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Nationwide motorcycle insurance review Oct 2021

Choose from a wide list of coverage, including classic bike coverage and original parts replacement.

finder.com’s rating: 3.5 / 5.0

★★★★★

  • Get a quote if you need wide motorcycle coverage options or classic bike coverage
  • Pick something else if you live in a state not served by the company
  • Safe drivers are welcome to apply
Avatar
Sarah George
Last Updated

optional

Roadside assistance

Accident forgiveness

Details

States served 43 states (available everywhere except Alaska Delaware Hawaii New Hampshire Montana Vermont Wyoming)
Roadside assistance Optional
Pay schedule 12 months, 6 months, monthly
Claims methods online, phone
Accident forgiveness Yes (optional)

Pros

  • Wide coverage options
  • Plenty of discounts
  • Financially stable company
  • Vintage bike coverage

Cons

  • Not available in every state
  • Mixed customer reviews

Review by

Sarah George is an insurance writer at Finder who’s penned over 400 articles, unraveling complicated topics about car, home and life insurance. Her insurance know-how has been featured in online publications, including Breeze, CBS, CNET and Reviews.com, as well as Finder’s YouTube channel. Sarah is working to become a Certified Educator in Personal Finance (CEPF).

Expert review

Nationwide stands out in its motorcycle coverage and discounts, offering more options than many competitors. Even classic bikes and dirtbikes can get coverage. And with coverage for almost any type of vehicle, bundling couldn’t be easier or cheaper.

However, coverage isn’t offered in every state, so you’ll need to find a different insurer if you live in Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont or Wyoming. And because Nationwide is focused on keeping rates low, you likely can’t get SR-22 coverage as a high-risk driver. If none of those describe you, see if Nationwide can give you a good rate.

How do I apply for Nationwide motorcycle insurance?

Start the quote process with Nationwide by going online or contacting your local agent.

Online.

  1. Go to the Nationwide motorcycle insurance homepage.
  2. Enter your zip code and click Start a quote at the top of the page.
  3. Fill out your personal information along with your motorcycle and driver details.
  4. Confirm your information, get your customized quote and choose to proceed with coverage.

Phone. Get a quote or ask questions by calling 877-669-6877.

Local agent. Find a local agent from the motorcycle homepage by clicking Find an agent. Enter your location to view agents near you and their contact info.

What info do I need to apply?

Breeze through your application process by keeping these ready:

  • Home address
  • Phone number
  • Driver’s or motorcycle license
  • Motorcycle details — such as make, model and license plate number
  • Driving history
  • Payment information

What bike insurance discounts can I get with Nationwide?

Nationwide provides a variety of ways you can save on your motorcycle insurance premium:

  • Motorcycle safety course. Find savings after completing an approved safety course.
  • Affinity member. Get a discount for your membership with one of the thousands of affinity groups, such as alumni, sports, professional or special interest groups.
  • Riding association. Earn a discount for being part of a riding group like the Harley Owners Group
  • Theft-recovery device. Install a tracking device on your bike to save on your comprehensive coverage.
  • Anti-lock brakes. Make sure your motorcycle has a factory-installed ABS system.
  • Multi-policy. Bundle your home, auto or life insurance policies with Nationwide.
  • Multi-vehicle. Get a discount for bundling two or more vehicles, including boats, ATVs and snowmobiles.
  • Paid in full. Pay your premium upfront when you purchase or renew.
  • Homeowner. Own your home, condo, townhouse or mobile home and enjoy savings.

What motorcycle insurance coverage does Nationwide offer?

Nationwide offers standard coverage to get you on the road:

  • Liability. Pay expenses for the other driver’s injuries or vehicle damage if you cause an accident.
  • Collision. Cover damages to your own vehicle, even when you’re at fault.
  • Comprehensive. Protect yourself from non-collision accidents like theft, storms or falling tree branches.
  • Uninsured and underinsured motorist. Get coverage for accidents in which the other driver can’t pay for all the damages.
  • Medical payments. Protect yourself from expensive medical bills, no matter who’s at fault.

What extra benefits and add-ons does Nationwide offer?

This company offers helpful add-ons to provide more extensive coverage and safety rewards:

  • Custom equipment. Protect the parts of your bike that you’ve customized for style and function. Get $3,000 covered automatically with comprehensive, or purchase additional coverage up to $30,000.
  • Original equipment manufacturer (OEM) endorsement. Get your motorcycle repaired with OEM parts or, if unavailable, get reimbursed for that part’s fair market value. This coverage applies to motorcycles under 10 years old.
  • Roadside assistance. Protect yourself from roadside breakdowns with Roadside Assistance Basic or Plus. These options include towing, gas delivery, tire changes, jump starts and locksmith services. Also get trip interruption up to $500.
  • Vanishing deductible. Knock $100 off your deductible for every year you drive safely, up to $500.
  • Vintage or antique motorcycle insurance. If your classic bike is 25 years old or older, you can opt for this policy, which provides agreed value and apparel coverage with no fixed mileage limits.

Alternatives to Nationwide

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Progressive motorcycle insurance
Optional
Yes
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Get quotes
More Info
Allstate motorcycle insurance
Allstate motorcycle insurance
Included free
Yes
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
Get quotes
More Info
The AARP Auto Insurance Program from the Hartford
The AARP Auto Insurance Program from the Hartford
Optional
On the first accident
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
USAA motorcycle insurance
USAA motorcycle insurance
Optional
Yes (after 5 years of loyalty)
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get quotes
More Info
Elephant
Elephant
Optional
GA, IL, IN, MD, OH, TN, TX, VA
Get a great deal online with steep discounts and some of the highest liability limits available.
Get quotes
More Info
Liberty Mutual motorcycle insurance
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
Get quotes
More Info
AAA motorcycle insurance
AAA motorcycle insurance
Included free
Yes, optional extra
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
More Info
Savvy
Savvy
Optional
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Get quotes
More Info
loading

Compare up to 4 providers

What types of motorcycles does Nationwide cover?

The company covers several different motorcycle types:

  • Auto cycles
  • Customized motorcycles
  • Dirt bikes
  • Mopeds
  • New motorcycles
  • Scooters
  • Sport and touring bikes
  • Trikes
  • Vintage and antique bikes

Pros and cons of Nationwide motorcycle insurance

Pros

  • Wide coverage options. Nationwide offers a long list of coverage not always found with its competitors, including a variety of add-ons.
  • Plenty of discounts. Save big with one or more of Nationwide’s discount offerings.
  • Financially strong. The company keeps a high financial rating with A.M. Best, which is A+.
  • Vintage bike coverage. Cover your classic bike with upgraded coverage that fits it perfectly.

Cons

  • Not available in every state. Despite its name, Nationwide doesn’t offer coverage in these states: Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont and Wyoming.
  • Mixed customer reviews. The company received mid-range ratings from the 2018 J.D. Power Auto Claims Satisfaction study. But it has above-average ratings with the BBB and Consumers Advocate.
  • Safe drivers preferred. High risk drivers or drivers who need an SR-22 may not be eligible for coverage from Nationwide.

How do I make a claim with Nationwide?

The company keeps the claims process short and simple. Report your accident either online or by phone, using this information:

  • Online. Log into your online account to start the claims process.
  • Phone. Speak to a claims representative at 800-421-3535.

Frequently asked questions about Nationwide motorcycle insurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.

2 Comments

    Default Gravatar
    William
    December 8, 2019

    I’m thinking about buying a 2016 Harley it has rebuilt title can I get full coverage insurance on it

    Reply
      Default Gravatar
      nikkiangco
      December 10, 2019

      Hi William!

      Thanks for your comment and I hope you are doing well. While we review Nationwide Motorcycle in our pages, it’s helpful to know that we we aren’t able to assess motorcycle cover for you as we are not directly affiliated with their company. It would be best to contact the customer service support of Nationwide directly for further assistance.

      Hope this clarifies and we hope they find a quick resolution for you! As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      Best,
      Nikki

      Reply
Go to site