What Does Motorcycle Insurance Cover?

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.

Uninsured motorist

Helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.

Underinsured motorist

Helps protect you from drivers who do not have enough insurance to cover the costs of an accident.

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.

Classic motorcycle insurance covers

Our vintage motorcycle and scooter policies can provide protection for your classic ride in the event of a collision, mechanical breakdown and other types of accidents. Here are a few benefits of choosing Nationwide vintage motorcycle insurance.

No fixed mileage

Whether you’re an every-day rider or an occasional one, you get the same great coverage. There are no fixed mileage limits on our vintage motorcycle or scooter policies.

Motorcycle apparel coverage

Apparel such as motorcycle jackets, gloves, helmets and more can also be covered under our vintage motorcycle insurance policies.

Exceptional claims service

Vintage motorcycle customers get access to Nationwide’s best-in-class claims service, ensuring that your claim is handled quickly and professionally by our team of experts.

Affordable rates on classic motorcycle insurance

With a vintage motorcycle or scooter policy from Nationwide, you get reliable coverage at the right price.


If you insure multiple motorcycles or scooters with Nationwide, you may be eligible for an even lower rate with our multi-vehicle discount.

Does your bike qualify for classic motorcycle insurance from Nationwide?

Qualifications for Nationwide’s vintage Motorcycle program:

  • Motorcycles must be 25 years old or older.
  • Physical damage policies covered on an Agreed Value basis. There is no minimum amount of coverage.