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What Does Motorcycle Insurance Cover?

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.

Liability Coverage for Motorcycles

Liability coverage can help cover expenses from damaging a motorcycle or injuring a person in an accident. Our bodily injury liability automatically includes coverage for guest passengers.

Collision Coverage for Motorcycles

Collision coverage helps pay for physical damage to your motorcycle if you hit another vehicle, another vehicle hits you, or your motorcycle rolls over. This coverage includes safety apparel coverage up to $2,000. Collision coverage may be required if your vehicle is financed or leased.

Comprehensive Coverage for Motorcycles

Comprehensive motorcycle insurance helps pay for damage to your motorcycle not caused by a collision. This can include damage or loss due to theft, vandalism or falling objects, as well as natural disasters including fire, storms and flooding.

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.

Roadside Assistance for Motorcycles

Our optional emergency Roadside Assistance program provides help with a flat tire, a jump or a tow. Members can increase their coverage to include trip interruption expenses incurred when traveling more than 100 miles away from home.

Vanishing Deductible®

At Nationwide, we want to reward safe motorcyclists. Our exclusive program reduces your motorcycle insurance deductible $100 for every year of safe driving.

Medical Payments Insurance for Motorcyclists

Regardless of who is at fault, medical payments coverage helps pay medical costs for you and your passengers in the event of an accident involving your motorcycle.

Custom equipment

This covers aftermarket parts and equipment not originally installed on the vehicle by the manufacturer. You get $3,000 of coverage if you have comprehensive insurance. You can purchase additional limits up to $30,000.

OEM endorsement

OEM endorsements help ensure that your vehicle is repaired with new parts from the original equipment manufacturer, whenever available. If an original equipment manufacturer part is not available, we will issue payment based on the fair market value of the new original equipment manufacturer part. This coverage is available for vehicles less than 10 years old.

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.

Once you get your motorcycle insurance quote from Nationwide, check out our motorcycle safety checklist before you hit the open road.

If you drive a scooter, find out more about Nationwide’s scooter insurance coverage options today.

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