(800) 253-1482Tennessee Motorcycle Insurance
Summary: Tennessee’s breathtaking roads are waiting for you, with nearly 185,000 riders already enjoying the ride! Whether you're cruising through the Smoky Mountains or navigating the curves of The Snake, you need motorcycle insurance you can trust. Freedom Insurance Group has your back with affordable, customizable coverage options like liability, collision, and comprehensive protection. Plus, with discounts for safe riders and options like roadside assistance, you can ride with confidence. Get a quote today, and hit the road knowing you’re covered, no matter what comes your way. Estimated Read Time: 7 mins
Tennessee, known for its stunning scenery, is home to nearly 185,000 motorcycle owners. If you're a rider in the Volunteer State, you need reliable motorcycle insurance. Freedom Insurance Group offers trustworthy scooter and motorcycle coverage with options like liability, collision, and comprehensive coverage, so you can tailor your policy to fit your needs. With various discounts available, you can save on already affordable rates while personalizing your coverage and comparing premiums to find the lowest available. Learn how to compare quotes while enrolling in the policies that protect your bike and finances.
Tennessee Motorcycle Insurance Requirements
If you're going to ride staying protected isn't just a good idea but it's required by the Volunteer State.
Riders must maintain a Tennessee motorcycle insurance policy to register their bike or drive on the road legally.
This means at least enrolling in the minimum coverage of $25,000 per person for bodily injury with $50,000 per accident, and $15,000 for property damage.
Failing to maintain coverage can lead to fines, license suspension, impoundment, and costly reinstatement fees.
Law enforcement may also issue citations for non-compliance. Worst of all, you're leaving yourself vulnerable to a number of financial risks.
Compare Tennessee Motorcycle Insurance Quotes
Getting a Tennessee motorcycle insurance quote is the first step toward finding the right coverage. To avoid overpaying, riders should compare quotes and look for discounts, such as those for safe riding courses or bundling policies.
Rates can vary between carriers, which is why Freedom Insurance Group partners with top-rated providers to offer personalized protection at the best price available.
We help riders compare their options and save 40% on average on their premiums. Call us at the number above for a free quote from trusted companies near you.
Average Cost of Motorcycle Insurance in TN
The average cost of motorcycle insurance in Tennessee is under $50 per month for minimum coverage, but it varies based on many different factors, including your location, driving history, and age.
Full coverage is often higher in premium, where riders may spend over $50 per month, depending on the insurer and added protections like roadside assistance.
However, smaller towns will typically save compared to those in urban areas like Memphis as will riders with a clean record.
Taking a Motorcycle Rider Education Course can earn you a 10% discount, saving money on your policy but your best bet for keeping more money in your pocket is shopping around to compare available coverage.
What Is the Best Motorcycle Insurance in Tennessee?
Tennessee riders have access to a variety of top-rated motorcycle insurance options. The best policy for you will provide the coverage you need at the best price from a reliable carrier.
Since every rider faces different risks and factors that influence coverage needs and premiums, it’s important to choose policies that offer personalized protection.
Here are some of the most common TN bike insurance coverages riders rely on. Talk to an agent about your specific risks and find a plan that keeps you protected no matter what comes your way:
Comprehensive and Collision Coverage
Comprehensive and collision coverages are optional unless you're financing or leasing your motorcycle. But even if you own your bike outright, it’s a good idea to protect it from damage.
Comprehensive coverage helps protect your bike from things like theft, vandalism, hitting an animal, fire, or bad weather. Collision coverage will cover damage if you crash into another vehicle or object, no matter who’s at fault.
Vintage Motorcycle Insurance
Classic motorcycle insurance is designed to protect vintage bikes, whether they’re on the road or not.
If your motorcycle is 25 years or older, this coverage safeguards against accidents, theft, fire, and vandalism with dedicated protection that better fits classic bikes.
Collision coverage helps with repairs after an accident, while comprehensive coverage protects from non-collision damages. Liability insurance covers injuries or property damage if you're at fault.
Ensure your vintage motorcycle stays safe and secure with the right insurance to protect its value and condition.
Medical Payments Coverage
Medical bills continue to get more expensive and MedPay is an extra protection that helps you cover these expenses for you and your passenger after an accident.
How much coverage you select is up to you but most policies offer between $1,000 and $10,000.
For even greater protection, personal injury protection (PIP) can also help and even steps in for things like lost wages due to injuries caused by an accident.
Motorcycle Repair Insurance
Mechanical breakdown insurance, also known as motorcycle repair insurance, covers repair costs for your bike, acting similarly to an extended warranty. Depending on the policy, you may need to pay a deductible for each repair visit.
Roadside Assistance
Riding through Tennessee’s scenic routes is an adventure every motorcyclist should experience. But sometimes, even the most experienced riders face unexpected setbacks. That’s where roadside assistance comes in, ensuring you stay protected during your ride.
If your bike breaks down along the road, our roadside assistance program has you covered. We’ll tow your motorcycle to the nearest repair shop for free, so you’re not stranded.
Whether you’re navigating the curves of The Snake or cruising down the Natchez Trace, you can ride with peace of mind.
But it doesn’t stop there. Roadside assistance also includes fuel delivery if you run low on gas. A quick refill can get you back on the road quickly, and even help with flat tires and dead batteries.
Furthermore, if your bike ends up stuck in mud, snow, or a ditch during an off-road adventure, we’ll help with extrication to get you moving again.
You can even add trip interruption coverage to your plan, which pays for things like food, hotel, or transportation if you’re far from home.
Original Equipment Manufacturer (OEM) Parts
OEM endorsement ensures your motorcycle is repaired with new parts from the original manufacturer. This optional insurance addition guarantees repairs using the same parts your bike was originally built with, from headlights to engines, as long as they're available.
Motorcycle Accessory Coverage
If you've added customizations to your bike, motorcycle accessory coverage can help protect those upgrades, as standard insurance often doesn't cover aftermarket accessories.
You typically need comprehensive or both comprehensive and collision coverage to add this protection.
Riders who enroll can cover items like custom paint, wheels, saddlebags, handlebars, electronics, and even protective gear like helmets.
Motorcycle Insurance Discounts in Tennessee
Finding cheap motorcycle insurance in Tennessee is easier when you make the right choices. Riders can keep your costs low and still enjoy the protection you need on the road.
In the Volunteer State, riders can unlock discounts in several ways. Simply getting a quote early, bundling your policies, and showing proof of a motorcycle endorsement are all ways to save on coverage.
Completing a safety course or having a clean riding record for three years can lead to even bigger savings.
Paying your policy in full or enrolling in automatic bill pay also helps keep premiums down.
Lower your premium by increasing your deductible—just make sure you can cover out-of-pocket costs if necessary.
For older bikes, skip unnecessary coverage and avoid engine modifications that could hike rates.
Because premiums vary based on factors like riding history, bike type, and location, a clean record and smaller motorcycles usually mean lower rates, while high-performance bikes or past accidents may drive costs up.
Comparing is essential for saving on coverage no matter what, which is why we always recommend riders identify their risks, find the protection they need, and shop around, including discounts, to find the best fit for their needs.
Tennessee Motorcycle Insurance, Laws, and Resources
TN motorcycle insurance regulations aren’t the only requirements while out on the road. There are traffic laws to obey, helping to keep everyone safe on the road.
In Tennessee, riders must be at least 16 to get a Class M motorcycle license. A motorcycle learner’s permit (Class PDPM) is available at age 15 but has restrictions, such as riding only from 4:00 AM to 8:00 PM and no passengers.
To obtain a license, pass a vision screening, written knowledge test, and road skills test.
Completing the Tennessee Certified Motorcycle Rider Education Program (MREP) lets you skip the knowledge and skills tests, and if you don’t have a driver’s license, you must also take a Class D knowledge test.
Tennessee has enforced a universal helmet law since 1967, requiring all riders and passengers to wear one and they must meet Department of Transportation (DOT) standards, labeled properly to comply with FMVSS No. 218.
Be cautious of uncertified helmets sold online as they can lead to safety and legal issues for you and others.
Furthermore, key Tennessee motorcycle laws include the following:
- Motorcyclists have full lane rights but can ride side by side with one other bike.
- Lane splitting, however, is illegal. Riders must switch lanes to pass another vehicle.
- Passenger motorcycles must have proper seating and footrests.
- Riders must keep both hands on the handlebars when operating their bike.
- Finally, motorcyclists must obey traffic laws, including speed limits and DUI regulations, with penalties similar to those for car drivers.
