Motorcycle Insurance in Tennessee
Tennessee is home to some of America's most legendary motorcycle roads—the Tail of the Dragon, Cherohala Skyway, and the Great Smoky Mountains. Whether you're a weekend warrior on the Dragon or a daily commuter in Nashville, we compare rates from 50+ carriers to find your best coverage.
What do Tennessee motorcycle riders need to know about insurance?
Tennessee requires 25/50/15 minimum liability—note the property damage limit is only $15,000, which won't cover a modern vehicle in a serious accident. Tennessee also has a universal helmet law (all riders, all ages), which helps reduce injury severity but doesn't eliminate the financial risk of an accident. With the Tail of the Dragon attracting riders from across the country and Nashville's growing traffic, carrying higher limits is smart. We recommend at least 100/300/100 with uninsured motorist coverage. The cost difference is typically $10-20/month more than minimums.
Tennessee Motorcycle Riding Considerations
Tail of the Dragon & Mountain Roads
The Tail of the Dragon at Deal's Gap (318 curves in 11 miles) is the most famous motorcycle road in America—and one of the most dangerous. Cherohala Skyway and the Foothills Parkway add hundreds more miles of challenging mountain riding.
Collision and medical payments coverage is essential for mountain riding. Accidents on the Dragon are common even for experienced riders.
Universal Helmet Law
Tennessee requires DOT-approved helmets for ALL riders and passengers—no exceptions. This is one of the strictest helmet laws in the Southeast. While this reduces injury severity, it also means Tennessee takes motorcycle safety seriously.
Compliance with the helmet law can help your insurance claim. Non-compliance can reduce your settlement.
Nashville Metro Growth
Nashville is one of the fastest-growing cities in America, with rapidly increasing traffic congestion. Motorcycle commuters face more distracted drivers and construction zones than ever before.
Urban riders should prioritize uninsured motorist coverage and higher liability limits for Nashville-area commuting.
Low Property Damage Minimum
Tennessee's minimum property damage liability is only $15,000—one of the lowest in the nation. The average new car costs over $48,000. If you cause an accident and damage a newer vehicle, $15,000 won't come close to covering the repair bill.
We strongly recommend at least $100,000 property damage liability. The premium increase is minimal.
Tennessee Motorcycle Insurance Cost Estimates
Average annual premiums by coverage level and rider profile. Your actual rate depends on age, riding history, bike type, and location within Tennessee.
| Coverage Type | Clean Record | Minor Violations | Young Rider (<25) |
|---|---|---|---|
| Liability Only (25/50/15) | $70-$140 | $130-$370 | $220-$650 |
| Full Coverage (Cruiser) | $200-$450 | $350-$650 | $450-$850 |
| Full Coverage (Sport Bike) | $550-$950 | $850-$1,300 | $1,100-$1,800 |
| Full Coverage (Touring) | $280-$550 | $450-$750 | $550-$950 |
* Estimates based on Tennessee market data. Actual rates vary. Get your personalized quote.
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