Nationwide Auto and Motorcycle Insurance Review

Nationwide Auto and Motorcycle Insurance Review

Nationwide

Editor's Rating

Nationwide Insurance is a good option for drivers who can afford it, as the company's car insurance rates are typically more expensive than average. Nationwide motorcycle insurance policies tend to be much more competitive with lower prices than most other providers.

Nationwide's customer service, however, is average, and drivers looking for cheap rates and good service may be best suited to look elsewhere.

Good for
  • Customers that qualify for discounts or have other insurance policies with Nationwide
Bad for
  • Drivers looking for the cheapest rate

Nationwide Insurance: Our Thoughts

Nationwide Insurance is one of the largest insurance companies operating in the U.S. Nationwide's auto insurance rates tend to be more expensive than average, though its motorcycle policies are typically more competitive. The insurer also tends to score well on customer reviews and user satisfaction.

Our research found that Nationwide's premiums are typically more expensive than average for auto insurance, but cheaper than average for motorcycle policies.

Nationwide averages $502 per every 6-months for a minimum coverage auto insurance policy, which is more expensive than the average among the four major insurers we looked at. Additionally, the company has a decent selection of car insurance coverages and discounts, especially those for buying multiple policies.

Motorcycle coverage options at Nationwide are on the meager side, though. While you can choose from some extras, including protection for custom equipment and OEM parts, you can't get replacement-cost coverage or rental reimbursement.

Nationwide offers good customer service and the convenience you'd expect from a large national insurer, as you can buy a policy and manage your coverage online.

Auto Insurance Bottom Line: Drivers looking for the cheapest rate may be served best elsewhere, though Nationwide's decent customer service scores are slightly above average.

Motorcycle Insurance Bottom Line: Nationwide is worth a look for motorcycle insurance, especially if you already have an auto or homeowners insurance policy from it. But you'll need to look elsewhere for niche coverage options.

Nationwide Car Insurance Coverage, Quotes and Benefits

Get Quotes from Multiple Insurers Now

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Nationwide Auto Insurance Coverages

Nationwide offers a variety of coverages and benefits to its policyholders. The company offers all of the most common car insurance coverages, including liability, collision, comprehensive, uninsured/underinsured motorist and medical payments/personal injury protection.

The company also recommends getting an annual checkup of insureds' policies to see that policyholders understand their Nationwide Auto Insurance benefits and declarations, as well as new discounts or changes to keep premiums level and coverage adequate. This consultation is called their "On Your Side" Review.

Additional Nationwide coverages and features are listed below:

  • Accident Forgiveness: This coverage can help avoid a rate increase after your first at-fault accident or a minor violation of your policy.
  • Vanishing deductible: For every year of safe driving, you could earn $100 off your deductible, up to $500.
  • Total loss deductible waiver: Waives the physical damage deductible in the event of a total loss.
  • Gap Coverage: If your car is a total loss, gap coverage pays the difference between your vehicle's replacement cost and what you have left on your lease or loan.
  • Roadside Assistance: Nationwide's roadside assistance coverage helps when your car is stuck, broken down or inoperable due to an accident. .
  • Rental Car/Transportation Expenses: This feature covers the cost of a rental car or other transportation expenses while your car is being repaired after an accident. It may also be referred to as loss of use coverage.

Note that some of these coverages are bundled with other more common options, while others must be purchased separately.

Highlighted Benefit: On Your Side

Nationwide' motto, "On Your Side", influences how auto insurance claims are handled, and policies and premiums are determined.

For example, repairs to an insured car done through their network of auto body shops come with written guarantees. With their AutoWatch feature, you can keep tabs on the repair process in detail by learning about which phase of the repair process your car is in, and look at photos of your car in various stages of getting fixed.

The approximately ten steps are:

  • Repair cost estimate
  • Insurance approval
  • Inner structure disassembly
  • Auto parts ordering
  • Frame / structural repair
  • Exterior / metal paneling repair
  • Reassembly
  • Detailing
  • Delivery

Highlighted Benefit: SmartMiles

The company also offers a pay-per-mile car insurance program that charges a monthly rate based on how much you drive. Monthly rates are calculated based on a base rate, determined by your driver profile and record, plus a per-mile rate, usually 4-10 cents per mile.

Nationwide Auto Insurance Quote Comparison

Nationwide's car insurance quotes were more expensive than average compared to rates from other major insurers. State Farm and GECIO, for example, had cheaper insurance policies than Nationwide, while Allstate's were more costly.

This trend was consistent across all three coverage types tested, including a minimum coverage policy, full coverage policy, and a full coverage policy with a prior accident record. Nationwide's 6-month quote for a minimum coverage policy was $502 and $1,147 for a full coverage policy.

This graph ranks Nationwide car insurance quotes relative to major competitors.
This graph ranks Nationwide car insurance quotes relative to major competitors.

The full list of Nationwide 6-month quotes relative to competitors are listed below. We always recommend drivers compare rates in order to find the best savings.

Policy typeState FarmGEICONationwideAllstate
Minimum coverage$356$409$502$695
Full coverage$869$1,0791,147$1,173
Full coverage, prior accident$1,038$1,570$1,566$2,680

Nationwide Car Insurance Discounts

To lower their cost of auto insurance, many drivers may qualify for one of Nationwide's discounts, which are consistent with other large national insurers.

Nationwide policy holders can get the following discounts:

DiscountAmount (Up to %)
Multipolicy discount25%
Family plan25%
Accident-free (five years)10%
Good student (Grade: B or above)15%
Farm Bureau membership10%
Defensive driving10%
Anti-theft device installation5%
Paperless billing and electronic funds transfer$30 off
Partner business or organization membership10%
Smart Ride (Usage-based insurance)10%
Affinity memberDepends

Some discounts may only be available in some states.

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The company offers all of the most common car insurance coverages, including liability, collision, comprehensive, uninsured\/underinsured motorist and medical payments\/personal injury protection.\u003C\/p\u003E\n\n\u003Cp\u003EThe company also recommends getting an annual checkup of insureds' policies to see that policyholders understand their Nationwide Auto Insurance benefits and declarations, as well as new discounts or changes to keep premiums level and coverage adequate. This consultation is called their \"On Your Side\" Review.\u003C\/p\u003E\n\n\u003Cp\u003EAdditional Nationwide coverages and features are listed below:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAccident Forgiveness\u003C\/strong\u003E: This coverage can help avoid a rate increase after your first at-fault accident or a minor violation of your policy. \n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EVanishing deductible\u003C\/strong\u003E: For every year of safe driving, you could earn $100 off your deductible, up to $500. \n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETotal loss deductible waiver\u003C\/strong\u003E: Waives the physical damage deductible in the event of a total loss.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EGap Coverage\u003C\/strong\u003E: If your car is a total loss, gap coverage pays the difference between your vehicle's replacement cost and what you have left on your lease or loan. \n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERoadside Assistance\u003C\/strong\u003E: Nationwide's roadside assistance coverage helps when your car is stuck, broken down or inoperable due to an accident. . \n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERental Car\/Transportation Expenses\u003C\/strong\u003E: This feature covers the cost of a rental car or other transportation expenses while your car is being repaired after an accident. It may also be referred to as loss of use coverage.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003ENote that some of these coverages are bundled with other more common options, while others must be purchased separately.\u003C\/p\u003E\n\n\u003Ch4\u003EHighlighted Benefit: On Your Side\u003C\/h4\u003E\n\n\u003Cp\u003ENationwide' motto, \"On Your Side\", influences how auto insurance claims are handled, and policies and premiums are determined.\u003C\/p\u003E\n\n\u003Cp\u003EFor example, repairs to an insured car done through their network of auto body shops come with written guarantees. With their AutoWatch feature, you can keep tabs on the repair process in detail by learning about which phase of the repair process your car is in, and look at photos of your car in various stages of getting fixed.\u003C\/p\u003E\n\n\u003Cp\u003EThe approximately ten steps are:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Repair cost estimate\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Insurance approval\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Inner structure disassembly\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Auto parts ordering\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Frame \/ structural repair\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Exterior \/ metal paneling repair\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Reassembly\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Detailing \n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Delivery\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3\u003EHighlighted Benefit: SmartMiles\u003C\/h3\u003E\n\n\u003Cp\u003EThe company also offers a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"pay-per-mile car insurance program\" href=\"https:\/\/www.valuepenguin.com\/should-you-switch-pay-mile-car-insurance\"\u003Epay-per-mile car insurance program\u003C\/a\u003E\u003C\/span\u003E that charges a monthly rate based on how much you drive. Monthly rates are calculated based on a base rate, determined by your driver profile and record, plus a per-mile rate, usually 4-10 cents per mile.\u003C\/p\u003E\n\n\u003Ch3 id=\"auto-cost\"\u003ENationwide Auto Insurance Quote Comparison\u003C\/h3\u003E\n\n\u003Cp\u003ENationwide's car insurance quotes were more expensive than average \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"compared to rates\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\"\u003Ecompared to rates\u003C\/a\u003E\u003C\/span\u003E from other major insurers. State Farm and GECIO, for example, had cheaper insurance policies than Nationwide, while Allstate's were more costly.\u003C\/p\u003E\n\n\u003Cp\u003EThis trend was consistent across all three coverage types tested, including a minimum coverage policy, full coverage policy, and a full coverage policy with a prior accident record. Nationwide's 6-month quote for a minimum coverage policy was $502 and $1,147 for a full coverage policy.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeVisibility--show-large\"\u003E\u003Cdiv class=\"ShortcodeImage--root \" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"This graph ranks Nationwide car insurance quotes relative to major competitors.\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/Nationwide-desktop_rpkz3n\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/Nationwide-desktop_rpkz3n\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/Nationwide-desktop_rpkz3n 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/Nationwide-desktop_rpkz3n 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/div\u003E\n\u003Cdiv class=\"ShortcodeVisibility--show-small\"\u003E\u003Cdiv class=\"ShortcodeImage--root \" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"This graph ranks Nationwide car insurance quotes relative to major competitors.\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/Nationwide-mobile_ajpp25\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/Nationwide-mobile_ajpp25\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/Nationwide-mobile_ajpp25 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/Nationwide-mobile_ajpp25 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe full list of Nationwide 6-month quotes relative to competitors are listed below. We always recommend drivers compare rates in order to find the best savings.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EPolicy type\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003ENationwide\u003C\/strong\u003E\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMinimum coverage\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$356\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$409\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$502\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$695\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFull coverage\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$869\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,079\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1,147\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,173\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFull coverage, prior accident\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,038\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,570\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,566\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,680\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3 id=\"auto-discounts\"\u003ENationwide Car Insurance Discounts\u003C\/h3\u003E\n\n\u003Cp\u003ETo lower their cost of auto insurance, many drivers may qualify for one of Nationwide's discounts, which are consistent with other large national insurers.\u003C\/p\u003E\n\n\u003Cp\u003ENationwide policy holders can get the following discounts:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EDiscount\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAmount (Up to %)\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMultipolicy discount\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E25%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFamily plan\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E25%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAccident-free (five years)\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E10%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGood student (Grade: B or above)\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E15%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFarm Bureau membership\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E10%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EDefensive driving\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E10%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnti-theft device installation\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EPaperless billing and electronic funds transfer\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$30 off\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EPartner business or organization membership\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E10%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ESmart Ride (Usage-based insurance)\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E10%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAffinity member\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EDepends\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003ESome discounts may only be available in some states.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Nationwide Motorcycle Insurance Coverage, Quotes and Discounts

Get Quotes from Multiple Insurers Now

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Nationwide motorcycle coverage options

Nationwide's motorcycle insurance coverage options are on the scant side. If you don't have particularly specialized insurance needs, Nationwide's choices may be enough.

However, if you need more protection, you might need to go with a company that focuses on motorcycle and nonstandard vehicle coverage, like Dairyland insurance.

Coverage options available from Nationwide include:

  • Roadside assistance
  • Custom equipment
  • OEM parts
  • Disappearing deductible ($100 per year)

How much is motorcycle insurance from Nationwide?

The average cost of motorcycle insurance from Nationwide is below-average, though not the cheapest. Across the 38 states we surveyed, Nationwide's average cost was $564 per year.

That's 10% cheaper than the typical insurer we looked at. However, Nationwide's prices weren't the most affordable we found; GEICO's rates were just $468 per year.

Bar graph comparing the cost of motorcycle insurance from Nationwide with competitors
Bar graph comparing the cost of motorcycle insurance from Nationwide with competitors
InsurerAverage cost
GEICO$471
Nationwide$564
Average$629
Progressive$719
Dairyland$764

All quotes were for a 45-year-old male rider of a 2019 Harley-Davidson FLHX Street Glide. Our rider was a married homeowner who has been riding motorcycles for 20 years. Other riders' rates may vary.

Nationwide motorcycle insurance discounts

Nationwide has a few notable discounts that can help bring your rates down even more, though they're not anything out of the ordinary for a major insurer. Discount options include:

  • Multipolicy/multivehcle discount
  • Homeowner discount
  • Safety course discount
  • Theft recovery discount
  • Riding association/affinity group discount
  • Pay-in-full discount

Nationwide customer service ratings

Nationwide has positive-to-mixed customer service reviews for auto and motorcycle insurance. According to the National Association of Insurance Commissioners, it receives fewer complaints than a typical insurer, given its size. However, J.D. Power gave it a 2/5 for insurance shopping experience, and 3/5 for claims satisfaction, suggesting they were less-than-impressed with its service.

These ratings all encompass both auto and motorcycle insurance, with a heavier weight toward the former.

Metric

Rating
NAIC Complaint Index (2019, Nationwide Mutual)0.43
J.D. Power3/5 for claims satisfaction, 2/5 for shopping experience
A.M. Best Financial Strength Rating (2020)A+

While its complaint index is lower than the national average, the customers reviewed that communication with Nationwide auto insurance agents and customer service representatives was poor.

Some customers reported that representatives provided inconsistent answers to questions about car insurance policies, or records were updated in an uncoordinated manner. Others have claimed that when it comes to handling claims, adjusters and other claims personnel don't return calls in a timely manner.

How to file a claim

You can report an accident and file a claim with Nationwide via its website, mobile app or through the Nationwide Claim Center phone number below.

Telephone number: (800) 421-3535

Nationwide's claim center is voice-activated, so you can speak and say "Automobile Claims," or just press 0 and 0 again to speak to a representative.

Nationwide Auto and Motorcycle Insurance Availability

Nationwide offers auto and motorcycle insurance in most, but not all, states across the country. Coverage is available in all of the following locations:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey*
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, D.C.*
  • West Virginia
  • Wisconsin
  • Wyoming

*These states do not offer motorcycle insurance

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003ENationwide has positive-to-mixed customer service reviews for auto and motorcycle insurance. According to the National Association of Insurance Commissioners, it receives fewer complaints than a typical insurer, given its size. However, J.D. Power gave it a 2\/5 for insurance shopping experience, and 3\/5 for claims satisfaction, suggesting they were less-than-impressed with its service.\u003C\/p\u003E\n\n\u003Cp\u003EThese ratings all encompass both auto and motorcycle insurance, with a heavier weight toward the former.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EMetric\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ERating\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENAIC Complaint Index (2019, Nationwide Mutual)\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.43\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EJ.D. Power\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\/5 for claims satisfaction, 2\/5 for shopping experience\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA.M. Best Financial Strength Rating (2020)\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EWhile its complaint index is lower than the national average, the customers reviewed that communication with Nationwide auto insurance agents and customer service representatives was poor.\u003C\/p\u003E\n\n\u003Cp\u003ESome customers reported that representatives provided inconsistent answers to questions about car insurance policies, or records were updated in an uncoordinated manner. Others have claimed that when it comes to handling claims, adjusters and other claims personnel don't return calls in a timely manner.\u003C\/p\u003E\n\n\u003Ch3\u003EHow to file a claim\u003C\/h3\u003E\n\n\u003Cp\u003EYou can report an accident and file a claim with Nationwide via its website, mobile app or through the Nationwide Claim Center phone number below.\u003C\/p\u003E\n\n\u003Cp\u003ETelephone number: \u003Cstrong\u003E(800) 421-3535\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003ENationwide's claim center is voice-activated, so you can speak and say \"Automobile Claims,\" or just press 0 and 0 again to speak to a representative.\u003C\/p\u003E\n\n\u003Ch3 id=\"coverage-area\"\u003ENationwide Auto and Motorcycle Insurance Availability\u003C\/h3\u003E\n\n\u003Cp\u003ENationwide offers auto and motorcycle insurance in most, but not all, states across the country. Coverage is available in all of the following locations:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Alabama\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Arizona\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Arkansas\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n California\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Colorado\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Connecticut\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Delaware\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Florida\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Georgia\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Idaho\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Illinois \n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Indiana\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Iowa\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Kansas\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Kentucky\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Maine\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Maryland\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Michigan\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Minnesota\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Mississippi\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Missouri\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Montana\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Nebraska\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Nevada\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n New Hampshire\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n New Jersey*\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n New York\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n North Carolina\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n North Dakota\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Ohio\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Oregon\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Pennsylvania\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Rhode Island\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n South Carolina\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n South Dakota\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Tennessee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Texas\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Utah\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Vermont\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Virginia\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Washington\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Washington, D.C.*\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n West Virginia\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Wisconsin\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Wyoming\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E*These states do not offer motorcycle insurance\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Matt is a Technical Writer at ValuePenguin who works on distilling the complex details of insurance into accessible advice. He previously created educational content at Grovo Learning and MarketSmiths Content Strategists. Matt's consumer-focused analysis of insurance has appeared in publications like CNBC, Yahoo Finance and the Miami Herald.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.