Tennessee motorcycle insurance

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When it comes to riding motorcycles in Tennessee, having proper insurance coverage is essential. Motorcycle insurance provides financial protection in the event of an accident, theft, or damage to your bike. In this article, we will dive deeper into the topic of Tennessee motorcycle insurance, exploring its importance, coverage options, and legal requirements.

Importance of Motorcycle Insurance

Financial Protection: Motorcycle insurance offers financial protection against potential liabilities and damages. In the unfortunate event of an accident, your insurance policy can cover medical expenses, property damage, and legal costs. Without insurance, you may be personally responsible for these expenses, which can be financially devastating.

Legal Requirements: Like most states, Tennessee has specific legal requirements for motorcycle insurance. It is mandatory to have liability coverage to legally operate a motorcycle in the state. Liability coverage helps pay for damages and injuries to others if you are at fault in an accident.

Coverage Options

Liability Coverage: As mentioned earlier, liability coverage is a legal requirement in Tennessee. It typically includes two components: bodily injury liability and property damage liability. Bodily injury liability covers medical expenses, lost wages, and other damages incurred by others in an accident you caused. Property damage liability covers the cost of repairing or replacing the property of others that you damaged.

Collision Coverage: Collision coverage pays for the repair or replacement of your motorcycle if it is damaged in a collision, regardless of who is at fault. This coverage is particularly important if you have a newer or more expensive bike.

Comprehensive Coverage: Comprehensive coverage protects your motorcycle from non-collision-related incidents such as theft, vandalism, fire, or natural disasters. It provides financial assistance for repairs or replacement of your bike in these situations.

Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are involved in an accident with a driver who doesn’t have insurance or has insufficient coverage. It helps cover medical expenses and property damage caused by the uninsured or underinsured driver.

Tennessee law requires motorcyclists to carry liability insurance with minimum coverage limits. The minimum liability coverage requirements are as follows:

– $25,000 bodily injury liability coverage per person
– $50,000 bodily injury liability coverage per accident
– $15,000 property damage liability coverage per accident

It’s important to note that these are minimum requirements, and it is often recommended to carry higher coverage limits to ensure adequate protection.


Having motorcycle insurance in Tennessee is not only a legal requirement but also crucial for your financial protection. It provides coverage for potential liabilities, damages, and injuries resulting from accidents. Understanding the different coverage options and meeting the state’s legal requirements can help you make informed decisions when choosing the right insurance policy for your motorcycle.


– Tennessee Department of Commerce and Insurance: tn.gov/commerce/insurance.html
– The Balance: thebalance.com/tennessee-motorcycle-insurance-requirements-527410