Tennessee average: $48/month · State minimum: 25/50/15 · Updated October 2026
Rate shown is a market estimate for a standard coverage profile. Your actual premium will vary based on your address, coverage limits, deductible, credit score, and claims history.
Explore motorcycle insurance rates across all Tennessee cities — backed by data from 50+ licensed carriers. Rates vary significantly by city — use the city finder below to see your local average.
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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.
Rates vary significantly across Tennessee cities. Urban markets like Nashville tend to have higher rates due to higher claim frequency and cost of living, while smaller cities often offer more affordable premiums. Click any city to see a full rate breakdown and carrier comparison.
All rates are market estimates based on a standard coverage profile. Actual quotes depend on your individual risk factors. Updated October 2026.
Tennessee drivers have several reliable ways to reduce their motorcycle insurance costs without sacrificing meaningful coverage.
Top-rated carriers actively writing motorcycle insurance policies in Tennessee:
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.
Common questions from Tennessee residents shopping for motorcycle insurance.
The average cost of motorcycle insurance in Tennessee is $48/month ($576/year). Rates vary significantly by city — Nashville tends to be among the higher-cost markets, while smaller cities are often 15–30% cheaper. Your actual rate depends on your specific address, coverage limits, deductible, claims history, and the carriers you compare.
Bodily injury / accident / property damage
The top-rated motorcycle insurance carriers in Tennessee include State Farm, Tennessee Farm Bureau, Allstate, Progressive. The "best" carrier depends on your specific situation — rates, coverage options, and customer service ratings vary. The most reliable way to find the best option is to compare quotes from multiple carriers at the same coverage level.
Tennessee's average motorcycle insurance rate is $48/month, compared to the national average of $60/month. That puts Tennessee 20% below the national average. Rates vary by city within Tennessee — use the city finder above to see your local market rate.
The most effective ways to reduce your motorcycle insurance premium in Tennessee are: (1) compare quotes from multiple carriers — the spread is often 40–60% for identical coverage; (2) bundle with another policy for a 10–25% multi-policy discount; (3) raise your deductible from $250 to $1,000 to save 15–25%; (4) ask about all available discounts; (5) re-shop at every renewal — loyalty rarely means the best rate.
In Tennessee, smaller cities and rural areas typically have lower motorcycle insurance rates than major metros. Franklin, Jackson, Johnson City tend to be among the more affordable markets. Nashville and other large urban centers typically have above-average rates due to higher claim frequency, cost of living, and local market conditions. Click any city in the rate table above to see its exact monthly estimate.
Rate estimates on this page are based on state-level market data for a standard coverage profile. Actual premiums vary by individual risk factors. My Digital Kube is operated by Insurance Pro Agencies, Inc., a licensed independent insurance agency. We work with 50+ top-rated carriers and earn commission when you purchase a policy — this does not affect our rate comparisons or carrier recommendations. Editorial policy →
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By clicking, you agree to My Digital Kube's Terms of Use and Privacy Policy, and authorize My Digital Kube and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.