Motorcycle Insurance · Tennessee

Motorcycle Insurance in Tennessee

Tennessee average: $48/month · State minimum: 25/50/15 · Updated September 2026

Compare motorcycle insurance quotes from 50+ carriers across all Tennessee cities. Rates vary significantly by city — use the city finder below to see your local average.

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$48

TN Avg/Month

-20%

vs National Avg

25/50/15

State Minimum

At-Fault

Fault System

Tennessee Motorcycle Insurance Laws & Requirements

Tennessee requires all motorcycle insurance policyholders to meet minimum coverage standards set by the Tennessee Department of Insurance. Here's what you need to know before buying a policy in Tennessee.

Minimum Required Coverage

25/50/15

Bodily injury / accident / property damage

Fault System

At-Fault (Tort) State

Driver who causes accident pays for damages

Top Carriers in Tennessee

State Farm, Tennessee Farm Bureau

Plus 50+ additional carriers available

Expert Recommendation

100/300/100 or higher

Provides real protection beyond state minimums

Motorcycle Insurance Rates by City in Tennessee

Rates vary significantly across Tennessee cities. Urban markets like Nashville tend to have higher rates due to traffic density and claim frequency, while smaller cities often offer more affordable premiums. Click any city to see a full rate breakdown and carrier comparison.

How to Save on Motorcycle Insurance in Tennessee

Tennessee drivers have several reliable ways to reduce their motorcycle insurance costs without sacrificing meaningful coverage.

✓

Compare multiple carriers

The spread between the highest and lowest quote in Tennessee is often 40-60%. Getting quotes from State Farm, Tennessee Farm Bureau, Allstate, and others simultaneously is the single highest-impact action you can take.

✓

Bundle your policies

Bundling motorcycle insurance with another policy (typically auto + home) saves most Tennessee residents 10-25% with the same carrier. This is a pre-approved discount with no strings attached.

✓

Raise your deductible

Moving from a $250 deductible to $1,000 can reduce your premium by 15-25% in Tennessee. This works best if you have an emergency fund to cover the higher out-of-pocket cost.

✓

Ask about discounts

Tennessee carriers offer discounts for: safe driving, low mileage, paperless billing, automatic payment, loyalty, and completing approved safety courses. Ask for a full discount audit when you quote.

✓

Maintain a clean record

A single at-fault accident can increase your Tennessee premium by 30-50% for 3-5 years. Safe driving is the most powerful long-term cost control strategy.

✓

Review annually

Tennessee insurance rates change every year. Set a reminder to re-shop your policy at renewal. Loyalty doesn't always mean the best rate — your current carrier may not be the cheapest option next year.

Best Motorcycle Insurance Companies in Tennessee

Top-rated carriers actively writing motorcycle insurance policies in Tennessee:

State Farm

Tennessee Farm Bureau

Allstate

Progressive

USAA

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