Tennessee motorcycle insurance

Q: What's the best motorcycle insurance in Tennessee?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Nashville, Memphis, Knoxville, or anywhere else in Tennessee, the best motorcycle insurance features reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Tennessee for bikers without discarding the valuable protection you need for peace of mind while riding.

Tennessee boasts one of the most famous motorcycle rides in the country — the Tail of the Dragon — a thrilling 11-mile stretch through the Great Smoky Mountains National Park that contains 318 curves. Whether you prefer sharp curves or the wide-open road, Progressive is here to help you ride protected with customized coverage and a long list of possible discounts that help riders save. Find everything you need to know about motorcycle insurance in Tennessee, including state requirements, coverages, cost information, and more.

4 min to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

What are the minimum requirements for motorcycle insurance in Tennessee?

Tennessee motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets. Here are the coverages required by Tennessee law:

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$25,000 per accident

Tennessee also mandates uninsured motorist bodily injury and uninsured motorist property damage coverages, but you may reject or lower these coverages with the submission of a signed form.

Do you need comprehensive and collision coverage?

The state of Tennessee doesn't mandate comprehensive motorcycle coverage or collision motorcycle coverage, but both coverages offer motorcycle owners a way to protect their bike against physical damage and loss. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, or weather-related issues. Collision can cover damage to your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Tennessee?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Tennessee with liability coverage only was $183.73.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Tennessee?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Nashville, Memphis, Knoxville, or anywhere else in Tennessee, the best motorcycle insurance features reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Tennessee for bikers without discarding the valuable protection you need for peace of mind while riding.

You can decrease the cost of motorcycle insurance in Tennessee with motorcycle insurance discounts, such as:

Multi-policy discount
EFT discount
Motorcycle license/endorsement
Paid in full discount
Responsible driver discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Tennessee

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Tennessee

All operators and passengers are required to wear a helmet in the state of Tennessee.
According to Tennessee law, lane splitting is illegal.
If you're riding with a passenger in Tennessee, your motorcycle must be equipped with passenger seating and passenger footrests.