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When it comes to your motorcycle and your passengers, you need the best motorcycle insurance to stay protected on the road. Motorcycle insurance from Nationwide can cover collision damage costs, medical payments, theft, covered natural disaster damages and more. Learn more below about what each motorcycle coverage option covers below, 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

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 to you, your passengers or your motorcycle. This coverage is often paired with underinsured motorist coverage, which is similar, but for situations where the other driver’s insurance will pay for some of the damages. Such coverage may also protect you from covered hit and run accidents. Each state has its own uninsured motorist laws and such coverage is subject to policy coverage provisions and limits.

Medical payments

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

Custom equipment

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.

Roadside Assistance

Members can increase their coverage to include trip interruption expenses incurred when traveling more than 100 miles away from home.

Learn more about Roadside Assistance »

OEM endorsement

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.

Vanishing Deductible®

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.

Motorcycle insurance discounts

You may be eligible for a reduced rate on the above policies. Explore Nationwide motorcycle insurance discounts on our already affordable motorcycle insurance coverage.

On Your Side® Review


Make sure your insurance keeps up with your life and you get all the discounts you deserve.

More about On Your Side® Reviews »

[1] Vanishing Deductible is an optional feature. Annual credits subject to eligibility requirements. Maximum credit: $500. Details and availability vary by state.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.