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Tennessee motorcycle insurance

Illustration of Great Smoky Mountains in TennesseeIllustration of Great Smoky Mountains in Tennessee


Tennessee’s nickname is The Volunteer State, well-known for its great music, BBQ, and natural beauty. Within its borders, you can find the Blue Ridge Mountains, Appalachian Mountains, and Great Smoky Mountains.

This makes Tennessee an ideal destination for any rider who also wants to go camping, hiking, or fishing. To enjoy what Tennessee has to offer, you need motorcycle insurance to legally ride in the state. 

What’s required of all motorcycle riders in Tennessee?

To legally operate a motorcycle in Tennessee, you need to be at least 16 years old and have a Class M license. Obtaining your Class M license requires passing a vision screening, a written test, and a road skills test. You can skip the written and road skills tests if you already have a valid Tennessee driver’s license and have a certificate of completion from a motorcycle rider education program (MREP).

To be deemed legally roadworthy in Tennessee, your motorcycle must have:

  • Headlights

  • Taillights

  • Brake lights

  • Front and rear brakes

  • Turn signals

  • Two mirrors

  • A horn

In addition, if your motorcycle doesn’t have a windshield, you must wear a face shield, goggles, or safety glasses with impact-resistant lenses.

You can only have passengers if your motorcycle is equipped with a separate passenger seat and securely attached footrests.

Tennessee motorcycle helmet law

Since 1967, Tennessee has enforced what’s known as a universal helmet law, which means all riders and passengers must wear a safety-approved helmet.

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Preparing for a Tennessee road trip?

Make sure your bike is in ride-ready shape.

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What are the motorcycle insurance requirements in Tennessee?

If you’re a Tennessee resident, you must have the following minimum insurance coverage for your motorcycle:

  • $25,000 bodily injury liability per person

  • $50,000 bodily injury liability per incident

  • $25,000 property damage liability per incident

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Confused by your coverages?

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Are optional motorcycle insurance coverages available in Tennessee?

In addition to the coverages you’re legally required to carry, you can get other insurance coverage options in Tennessee. We have plenty of options to help protect you and your bike, including:

  • Uninsured/underinsured motorist bodily injury

  • Uninsured/underinsured motorist property damage

  • Medical payments

  • Comprehensive

  • Collision

  • Trip interruption

  • Roadside assistance

  • Optional/special equipment

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Secure a policy that makes sense for you

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3 steps to get a free motorcycle insurance quote

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Provide information about yourself, your bike, and your riding history.
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Input details on other people who ride your motorcycle.
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Select the coverages you want and see what discounts you could qualify for.

Tennessee motorcycle insurance discounts

We offer a wide selection of money-saving motorcycle insurance discounts. Our discounts are designed to make quality motorcycle insurance even more affordable.

You can earn the following discounts on your motorcycle insurance from us in Tennessee:

  • Advance quote

  • Claim-free renewal

  • Garaging

  • Homeowner

  • Multi-vehicle

  • Paid-in-full

  • Rider safety course

Contact us to learn more about the money-saving motorcycle insurance discounts we offer so you receive the best value possible.

Sites to see in Tennessee

Murder Mountain Run

Don’t let the name fool you—the only thing this 144-mile ride gets rid of is the blues. It’s hard to feel down when you’re riding over a mountain and through small towns and beautiful countryside vistas. 

Rolling through North Carolina and Tennessee, this ride takes you through some famous territory, such as the Blue Ridge Parkway, Pisgah National Forest, and Roan Mountain State Park, where you’ll ascend to an elevation of 5,512 feet. 

The Murder Mountain Run is a 3 ½-hour ride sure to create timeless memories—a bit challenging at times but comfortable for all skill levels.

Roan Mountain—a faster path

If you’d prefer to dedicate your time solely to riding up Roan Mountain, there’s a 90-minute ride that brings you around and over the mountain. There are plenty of places to pull over and take in the beauty of your surroundings.

Best of The Snake

This ride has numerous curves but only takes about 90 minutes to complete as you wind through farmland, forests, and mountain terrain. This ride is ideal for anyone who wants to get off their motorcycle for a hike or to simply take a break.

Want to explore Tennessee off the beaten path? We have coverage options for your ATVs, UTVs, and dirt bikes.

Get a Tennessee motorcycle insurance quote

Whether you’re riding The Snake, taking your bike to the campground, or driving down to Nashville for a show, getting on the road in Tennessee requires insurance.

Luckily, we have you covered. Enter your information below to start a quote online or call 866-324-7952 to speak with one of our knowledgeable representatives. We’re ready to help you.

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