Motorcycle Insurance in Tennessee
Compare motorcycle insurance rates in Tennessee from 50+ carriers. Get affordable bike coverage with local agents. Free quote.
Tennessee Motorcycle Insurance for the Open Road
Tennessee is a motorcyclist's dream, boasting legendary rides like the Tail of the Dragon and the scenic Cherohala Skyway. To enjoy these roads safely, you need the right motorcycle insurance. Tennessee law requires all riders to carry liability insurance, with minimums of $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage. TCDS Insurance Agency helps Tennessee riders find coverage that meets these requirements and provides crucial additional protection.
Compare Rates from Over 50 Carriers
As an independent insurance agency, we do the shopping for you, comparing rates and policies from over 50 top-rated insurance carriers. This ensures you get the best possible coverage at a competitive price, with average annual premiums in Tennessee ranging from $250 to $800. We can help you customize your policy with important options like comprehensive coverage for theft or damage, collision coverage, and protection for custom parts and accessories.
TCDS Insurance Agency, an Alabama-based firm serving riders throughout Tennessee, is committed to finding you the right policy. Our team of licensed agents understands the unique needs of motorcyclists. Get the protection you need to ride with confidence. Contact us today for a free, no-hassle motorcycle insurance quote.
How much does motorcycle insurance cost in Tennessee?
Motorcycle insurance in Tennessee averages $85/year for minimum liability and $375/year for full coverage. Nashville-area riders pay slightly more. Sport bikes cost $550-$1,300/year while cruisers average $200-$600/year.
What motorcycle insurance is required in Tennessee?
Tennessee requires minimum liability of 25/50/15: $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. Note the lower property damage limit compared to many states.
Does Tennessee require motorcycle helmets?
Yes. Tennessee has a universal helmet law—ALL motorcycle riders and passengers must wear a DOT-approved helmet regardless of age or experience. This is one of the strictest helmet laws in the Southeast.
Can I lane split on a motorcycle in Tennessee?
No. Lane splitting and lane filtering are illegal in Tennessee. Motorcyclists must maintain their lane position and follow the same traffic laws as other vehicles.
What are the best motorcycle roads in Tennessee?
Tennessee is a world-class motorcycle destination. The Tail of the Dragon at Deal's Gap has 318 curves in 11 miles. The Cherohala Skyway offers stunning mountain views. The Natchez Trace Parkway provides a relaxed scenic cruise. The Great Smoky Mountains have hundreds of miles of riding roads.
What discounts are available for motorcycle insurance in Tennessee?
Tennessee riders can save with MSF safety course completion (10-15% off), multi-policy bundling with auto or home (5-15%), anti-theft devices, mature rider discounts (age 25+), and paid-in-full discounts. Tennessee offers MSF courses at multiple locations including Nashville, Knoxville, and Chattanooga.
Does Tennessee motorcycle insurance cover custom parts?
Standard policies include $1,000-$3,000 in custom parts coverage. For aftermarket exhaust, custom paint, chrome, or performance upgrades, add a custom parts endorsement. Nashville's motorcycle scene is growing—document all modifications with photos and receipts for your agent.
What is Tennessee's uninsured motorist rate for motorcycle riders?
Tennessee's uninsured motorist rate is approximately 20%—one of the highest in the nation. Uninsured/underinsured motorist (UM/UIM) coverage is essential for Tennessee motorcycle riders. State law requires insurers to offer UM/UIM coverage—strongly consider accepting it.
Does motorcycle insurance cover riding the Tail of the Dragon?
Yes, standard motorcycle insurance covers recreational riding on public roads including the Tail of the Dragon. However, organized racing or timed events on the Dragon require separate coverage. Be aware that the Dragon's 318 curves in 11 miles result in frequent accidents—carry adequate coverage.
Can I get motorcycle insurance for a scooter in Tennessee?
Yes. Motor-driven cycles and scooters over 125cc require registration and insurance in Tennessee with the same minimums as motorcycles. Scooters under 125cc have reduced requirements. Coverage is affordable at $75-$200/year for liability on smaller scooters.