You need the best motorcycle insurance to stay protected on the road. Motorcycle insurance from Nationwide can cover collision damage costs, medical payments, theft and more. Learn more below about each motorcycle coverage option and get a quote online in minutes.
Basic motorcycle insurance coverages
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
This coverage helps pay for damages to another person’s vehicle or property, if you cause an accident.
Collision pays for damage to your vehicle if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.
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.
Helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.
Helps protect you from drivers who do not have enough insurance to cover the costs of an accident.
Also known as Personal Injury Protection (PIP), med pay can help cover medical costs related to an accident, regardless of who’s at fault.
Optional motorcycle insurance coverages
This covers aftermarket parts and equipment not originally installed on your vehicle by the manufacturer. You get $3,000 of coverage if you have comprehensive insurance. You can buy additional limits up to $30,000.
Get 24/7 emergency help if you need fuel, a tire change, a jumpstart or a tow.
This coverage helps ensure that your vehicle is repaired with new parts from the original equipment manufacturer (OEM), whenever available. If an OEM part is not available, we’ll issue payment based on the fair market value of the new OEM part. Available for vehicles less than 10 years old.
Earn $100 off your deductible for each year of safe driving, up to $500. Your deductible could vanish completely.1
How Vanishing Deductible works
Let’s say you have a $500 deductible. After three years of safe driving with Vanishing Deductible, you’ll earn a $300 credit. If you have an accident, you’d pay just $200 toward your deductible before your insurance starts to cover any damages.
And if you’re involved in an accident, your deductible is reset back to $100 off.
The cost of motorcycle insurance varies widely and depends on a number of factors. Generally speaking, motorcycle insurance costs tend to be higher for younger drivers and those driving a sports bike. However, each rider has unique circumstances that may influence the cost of motorcycle coverage for them. Read on to learn more about some of the factors that go into motorcycle insurance costs and how they might be impacting you.
Factors that influence the cost of motorcycle insurance
Vehicle type, year, make, model and engine size (in cubic centimeters). As you’d expect, insurance for a newer sport bike with a large engine will cost more than insurance for a used cruiser with a small engine. Learn more about the different types of motorcycles and their uses.
How the vehicle is primarily used. Insurance for a bike that is primarily used for pleasure riding/recreation will be less expensive than it would be for a bike that is used primarily for your daily commute or business/deliveries.
Modifications, conversions and customization. Has the vehicle been converted to a trike, modified, customized, rebuilt, salvaged or had the original frame replaced? If so, you’ll want to let your insurer know so that you are properly covered.
Coverage options. Are you looking for a bare-bones, state-minimum liability policy or do you need a custom motorcycle insurance package that includes collision coverage, comprehensive coverage, uninsured or underinsured motorcycle coverage, Roadside Assistance and an OEM endorsement?
Your age. Riders in different age groups pose different risks.
Your location. Rates differ according to geography, as well as where the vehicle is kept (which is sometimes referred to as your garaging address). Also, you may be eligible for a discount if your vehicle is stored in a locked garage.
Driving history. Have you had any accidents, violations or claims in the past 5 years?
Policy limits and deductibles. What level of protection do you need? If limits are too high, you’ll be paying for insurance you don’t need; too low, and you’re at risk of covering the difference out of pocket in the event of an accident. You’ll also be at risk of paying more out of pocket if you choose a high deductible in return for a lower rate.
Security and safety features and programs. A discount may be available if your vehicle has a professionally-installed radio or GPS theft-recovery system, or is equipped with a factory-installed anti-lock braking system (ABS). A discount may also be available if you take a safety course.
Lower the cost of motorcycle insurance with discounts
In addition to affordable rates, Nationwide offers a number of motorcycle insurance discounts, such as a multi-vehicle discount, a multi-policy discount and a riding association discount. Find out which motorcycle insurance discounts you may be eligible for.
Get a motorcycle insurance quote today
The best way to figure out how much motorcycle insurance is going to cost you is to get a quote.
Thankfully, getting an online motorcycle insurance quote from Nationwide is easy. To get a quote, visit our motorcycle insurance page and enter your zip code to begin the process. You can keep your motorcycle insurance cost low with our annual On Your Side Review