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Nationwide Motorcycle Insurance Review
Nationwide is a national, multi-line insurer with strong independent financial ratings and a broad suite of rider-friendly features. Its core insurance companies hold A+ (Superior) Financial Strength Ratings from AM Best and A+ insurer financial strength ratings from S&P Global Ratings, each with Stable outlooks as recently affirmed. Riders can add specialized options like OEM parts coverage and custom/vintage bike protection, and qualify for savings through common discounts.
Availability matters: Nationwide lists motorcycle insurance in 43 states. The company markets to a wide spectrum of riders, and multi-policy households can stack savings with a home or auto bundle. Usage-based programs for auto—SmartRide (safe-driving telematics) and SmartMiles (pay-per-mile)—are offered where filed and can complement a motorcycle policy for households looking to maximize overall insurance savings (SmartRide; SmartMiles).
Two trends riders should know in 2025: telematics and AI-enabled claims. Telematics is expanding across motor insurance and is beginning to reach two-wheelers industrywide, including pay-per-mile options like VOOM’s per‑mile motorcycle insurance. On the claims side, carriers are scaling digital FNOL, photo estimating, and automation to speed resolution and improve consistency, with regulators emphasizing responsible AI governance (CCC Crash Course; NAIC AI model bulletin).
Financial strength underpins claims-paying ability. AM Best notes very strong risk‑adjusted capitalization (strongest BCAR level) and diversified earnings across property/casualty and life/annuity operations, while S&P cites strong capital and ERM supporting the A+ IFS—useful markers for riders seeking a stable carrier (AM Best rating guide; Nationwide financial strength page).
| Pros | Cons |
| Multiple discounts (bundle, safety/anti-theft, payment/paperless) Custom & vintage bike coverage Optional OEM parts endorsement 24/7 online claims reporting and digital tools A+ (AM Best) and A+ (S&P) financial strength | Motorcycle availability limited to 43 states Complaint experience can vary by line and state; review NAIC data before buying |
Nationwide Motorcycle Insurance Overview: Financial Strength, Availability, and History
To gauge complaint performance, consult the NAIC Consumer Insurance Search, which reports a Complaint Index by line of business where 1.0 equals the national median and values below 1.0 indicate fewer complaints than expected for a company’s size. You can review Nationwide’s relevant entities and lines (for example, private passenger auto) and compare indices by report year using the NAIC portal: NAIC Consumer Insurance Search.
Nationwide’s BBB profile shows current complaint activity and a letter grade; BBB grades incorporate complaint history, responsiveness, and transparency. For system-wide context on volumes and resolution rates, see BBB’s annual Impact Report (Nationwide BBB profile; BBB Impact Report). Fortune has recognized the company among its “100 Best Companies to Work For,” reflecting aspects of company culture.
- In business since: 1926
- States served (availability): 43 (motorcycle)—see state list
- Standout features: On Your Side® Claims Service, custom/vintage motorcycle coverage, optional OEM endorsement, roadside assistance, and Vanishing Deductible®; backed by A+ (Superior) from AM Best and A+ IFS from S&P (Stable outlooks).
The Competition
| Advertised discounts | A.M. Best Financial Strength Rating | 24/7 Claims Support | Online Resources | Vintage/ Classic bike coverage | |
| Nationwide | 9 | A+ | ✔ | ✔ | ✔ |
| Allstate | 6 | A+ | ✔ | ✔ | X |
| Progressive | 12 | A+ | ✔ | ✔ | ✔ |
| State Farm | 0 | A++ | ✔ | ✔ | ✔ |
Context: State Farm is the largest U.S. private-passenger auto writer, Progressive is No. 2, and Allstate is No. 4 by market share, per the NAIC’s most recent report (NAIC market share). All three emphasize telematics/UBI programs and robust digital claims—now table stakes for major carriers (Progressive Snapshot; Allstate Drivewise; State Farm Drive Safe & Save).
All information accurate as of [2025].
How We Evaluated Nationwide Motorcycle Insurance
Our evaluation blended independent financial strength and stability (A+ from AM Best; A+ IFS from S&P), complaint normalization using the NAIC Complaint Index, and cross‑industry complaint context via the BBB Impact Report. We also considered pricing and discount dynamics from the latest market research (LexisNexis 2025 Auto Trends; BLS CPI), customer experience benchmarks (J.D. Power 2024 U.S. Auto Insurance Study), and the state of claims technology and AI governance (CCC Crash Course; NAIC AI bulletin; Deloitte Insurance Outlook).
The Bottom Line
If you live in one of the 43 states where Nationwide sells motorcycle insurance, it’s a strong candidate for a quote thanks to its A+ ratings (AM Best and S&P) and flexible add‑ons like OEM parts and custom/vintage coverage (financial strength). For multi-vehicle households, bundling with Nationwide auto can unlock additional savings, and telematics programs for auto may further reduce household premiums where available (SmartRide; SmartMiles).
Look to stack everyday discounts—multi-policy, anti‑theft devices, and approved safety courses—against optional add-ons like custom equipment or OEM parts. These classical savings levers remain widely recognized across the industry (Nationwide motorcycle discounts; Insurance Information Institute). Keep in mind that overall pricing is still influenced by elevated loss costs in the market, even as trends are stabilizing (BLS CPI).
Customer experience and claims speed are differentiating. Industry data shows growing adoption of AI‑enabled claims (photo estimating, digital FNOL) and stronger governance expectations from regulators—factors that can shorten cycle times when implemented well (CCC Crash Course; NAIC AI bulletin). Riders should also consider theft exposure—recent reports note increased motorcycle theft activity—making anti‑theft devices and secure storage more valuable for both safety and potential discounts (NICB).
Bottom line: check state availability, price your must‑have add-ons, and review recent NAIC Complaint Index results for Nationwide’s relevant subsidiaries/lines to ensure service aligns with expectations (NAIC Consumer Insurance Search).
Nationwide Motorcycle Insurance FAQ
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