- Motorcycle Insurance Tennessee: Cost of Liability Only
- How to Get a Motorcycle License in Tennessee
- Motorcycle Insurance Tennessee: Laws You Need to Know
- How Much Does Full Coverage Motorcycle Insurance Cost in Tennessee?
- Motorcycle Insurance in Tennessee: What Affects Your Rates?
- Cheapest Motorcycle Insurance Rates by City in Tennessee
- Motorcycle Safety Tips for Tennessee Riders
- Which Companies Offer Motorcycle Insurance in Tennessee?
- Motorcycle insurance Tennessee: Frequently Asked Questions
- Other Helpful Tennessee Insurance Guides
- What We Do at A Plus Insurance
HERE is what the monthly rate could look like for your liability only insurance in Tennessee
Motorcycle Insurance Tennessee: Cost of Liability Only
| Company | Liability ( Average) |
|---|---|
| Dairyland | $106.00 |
| Geico | $100.00 |
| Progressive Insurance | $120.00 |
Each state has a minimum liability insurance requirement. This is a protection for you and your fellow drivers that everyone is covered!
Or at least they should be. Fines for driving without insurance are hefty!
Now that the legal fuss is out of the way concerning motorcycle insurance Tennessee style, HOW do you get a motorcycle license in Tennessee?
| State | State Minimum |
|---|---|
| Tennessee | 25/50/25 |
How to Get a Motorcycle License in Tennessee
Thinking about hitting the road on two wheels? In Tennessee, you’ll need a Class M motorcycle license to legally operate a motorcycle over 50cc. Here’s a simple step-by-step guide to getting your Tennessee motorcycle license.
Step 1: Study the Tennessee Motorcycle Operator Manual
Before applying, review the Motorcycle Operator Manual, available at Tennessee DMV locations and online. This guide covers safety rules, road regulations, and riding best practices.
Step 2: Apply at a Full-Service Driver Service Center
Visit any Full-Service Driver Service Center in Tennessee to begin the application process. Make sure to bring:
- A valid form of identification
- Proof of Tennessee residency
- Your current driver’s license (if applicable)
Step 3: Pass the Written and Riding Tests
To qualify for your Class M license, you must:
- Pass a written motorcycle knowledge test
- Pass a skills-based riding test (unless you complete an approved safety course)
Bonus: Take a Tennessee Motorcycle Safety Course
Completing a state-approved motorcycle safety course allows you to waive the riding test, making it easier to get licensed.
Get Insured Before You Ride
Tennessee law requires motorcycle insurance to legally operate your bike. Need affordable motorcycle insurance in Tennessee? Contact us today for a fast, free quote.
Essential Tips for Getting Your Motorcycle License in Tennessee
Before hitting the road on your motorcycle, you’ll need a Class M license in Tennessee. Here are some key tips to help you prepare for the process.
Tip 1: Study Both the Driver’s Guide and Motorcycle Manual
The Motorcycle Operator Manual is essential, but don’t overlook the Tennessee Driver’s Study Guide—especially if you don’t already have a regular driver’s license.
Tip 2: Already Have a Class D or PD License?
If you hold a Class D (regular) or PD (learner’s permit) license, your motorcycle test will include:
- A written exam on motorcycle laws and safety
- A riding skills test
- A vision screening
- A pre-trip inspection test
Tip 3: No Driver’s License Yet? Get One First
If you don’t have a Class D or PD license, you’ll need to obtain one first before applying for your motorcycle endorsement. Think of it as learning to walk before you run.
Stay Legal with Motorcycle Insurance
Before you ride, make sure you have Tennessee motorcycle insurance to meet state requirements. Need coverage? Get a fast, free quote today.
Motorcycle Insurance Tennessee: Laws You Need to Know
According to SteelHorse Law there are 7 essential laws to know about motorcycle operation. We have compiled them all here for you so that you are Fully equipped!
- You must have motorcycle insurance! Well how about that?! We didn’t even pay SteelHorse Law to put this at number one. It is true! You will be required to show proof of insurance to register a motorcycle in the first place. This is a critical first step and a law. CALL US NOW!
- Age aint nuthin but a number.. That may be true, but you must be 16 years of age or older to operate a motorized bike 50cc or over.
- Motorcycle license! Above, we broke down how to acquire one, but here we need to highlight that without it you could receive serious fines, penalty points, and your motorcycle impounded.
- HELMET UP! The Law in Tennessee stipulates that all riders and passengers MUST wear a motorcycle helmet. I know…. you may be thinking, “Boooo, this cramps my style yo.” And if you speak like that generally, please stop. But regardless, it protects you in the case of an accident. Maybe you feel like it infringes on your rights? Well, just wear one ok? Because if you don’t the fine is $50.00 and up to 30 days in jail. That helmet sounds good now, huh?
- Passenger gear required! A passenger must be equipped with seating and footrests. Come on… they are already putting their life in your hands. At least give em somewhere to put their feet!
- GEAR! Tennessee Law requires all motorcycles to have both left and right-side mirrors and mufflers. Double your mirrors, double the fun! Double your mufflers, don’t be a stuffler! Sorry… I’ll stop. Headlights, tailgates, and brake lights are all required.
- Is lane splitting legal? Well we don’t wanna ‘split hairs’ but no. It is Illegal. I know.. tempting… but don’t. The Code indicates that “the operator of a motorcycle shall not overtake and pass in the same lane occupied by the vehicle being overtaken.” This is the way!
How Much Does Full Coverage Motorcycle Insurance Cost in Tennessee?
If you’re financing a Ducati, Harley, or any other motorcycle, full coverage insurance may be required by your lender. But even if it’s not required, full coverage can provide valuable protection beyond just liability insurance.
What Is Full Coverage?
Full coverage includes:
- Liability Insurance – Covers damages and injuries to others if you’re at fault in an accident.
- Comprehensive Coverage – Protects your motorcycle from theft, vandalism, weather damage, or animal collisions.
- Collision Coverage – Pays for damages to your motorcycle if you crash, regardless of fault.
How Much Does Full Coverage Motorcycle Insurance Cost?
The cost of full coverage motorcycle insurance in Tennessee depends on:
- Your riding history – Clean records mean lower rates.
- Your motorcycle’s value – High-end bikes cost more to insure.
- Location – Rates vary by city due to theft and accident risks.
- Selected deductibles – Higher deductibles lower your monthly premium.
Is Full Coverage Worth It?
If your bike is financed or valued over $5,000, full coverage is highly recommended to protect against expensive repairs or total loss.
Get a Free Quote on Full Coverage
Looking for the best full coverage motorcycle insurance rates in Tennessee? Contact us today for a personalized quote!
| City | Price |
|---|---|
| Tullahoma | $175 |
| Murfreesboro | $213 |
| Franklin | $179 |
| Middle Valley | $189 |
| Collierville | $217 |
| Sevierville | $215 |
| Atoka | $200 |
| Fairview | $229 |
| Signal Mountain | $180 |
| Alcoa | $214 |
| Paris | $209 |
| Lawrenceburg | $179 |
| Knoxville | $196 |
| Lenoir City | $192 |
| Covington | $207 |
| Manchester | $202 |
| Germantown | $225 |
| Jackson | $202 |
| Fairfield Glade | $186 |
| Clarksville | $226 |
| La Vergne | $215 |
| Humboldt | $239 |
| Harrison | $223 |
| Maryville | $180 |
| Spring Hill | $227 |
| Lakeland | $176 |
| Red Bank | $207 |
| Memphis | $210 |
| Bristol | $203 |
| Johnson City | $194 |
| Millington | $195 |
| Lewisburg | $211 |
| South Cleveland | $232 |
| Dickson | $220 |
| Chattanooga | $206 |
| Winchester | $187 |
| Smyrna | $239 |
| Farragut | $216 |
| Elizabethton | $186 |
| Cleveland | $181 |
| Bartlett | $190 |
| Morristown | $186 |
| Oak Ridge | $218 |
| East Ridge | $185 |
| Cookeville | $210 |
| Collegedale | $178 |
| Brownsville | $213 |
| Nashville-Davidson | $192 |
| Brentwood | $233 |
| Bloomingdale | $231 |
| Mount Juliet | $215 |
| Nolensville | $182 |
| White House | $180 |
| Crossville | $183 |
| Gallatin | $220 |
| Kingsport | $186 |
| Clinton | $209 |
| Soddy-Daisy | $233 |
| Lebanon | $191 |
| Springfield | $199 |
| Union City | $230 |
| Greeneville | $185 |
| Jefferson City | $231 |
| McMinnville | $212 |
| Arlington | $217 |
| Dyersburg | $197 |
Motorcycle Insurance in Tennessee: What Affects Your Rates?
Your Tennessee motorcycle insurance premium is determined by several factors. Some are within your control, while others are not. Understanding these rating factors can help you find the best rates and make informed decisions about your coverage.
Key Factors That Impact Your Motorcycle Insurance Rates
1. Driving Record
- A clean driving history can lower your premium.
- Accidents, speeding tickets, or past claims may increase costs.
2. Type of Motorcycle
- Sport bikes generally cost more to insure than cruisers or touring bikes.
- Higher-powered engines often result in higher premiums.
3. Age and Experience
- Younger riders (especially under 25) typically pay more due to higher accident risk.
- Completing a motorcycle safety course may reduce your rate.
4. Location and Zip Code
- Urban areas with higher accident rates and theft risks can lead to higher premiums.
- Rural areas may have lower rates due to reduced traffic congestion.
5. Coverage and Deductible
- Full coverage (liability, collision, and comprehensive) costs more than liability-only policies.
- Higher deductibles can lower your premium, but you’ll pay more out-of-pocket in case of a claim.
6. Annual Mileage
- Riding fewer miles per year can qualify you for a low-mileage discount.
- Daily riders typically pay more than occasional weekend riders.
7. Credit Score
- Many insurers use credit history as a factor in determining rates.
- A higher credit score may qualify you for lower premiums.
Find the Best Motorcycle Insurance Rates in Tennessee
Want the cheapest motorcycle insurance in Tennessee? Compare quotes from multiple providers and see how different factors affect your rate. Get a free motorcycle insurance quote today.
| Occupation. Credit |
| Coverages |
| Marital status |
| Driving history |
| Location |
| Gender |
| Education level |
| Type of bike (engine size |
| Riding frequency |
| Rider age |
| Rider experience |
Cheapest Motorcycle Insurance Rates by City in Tennessee
Your Tennessee motorcycle insurance rates are influenced by where you live. Urban areas with more traffic and higher accident rates often have higher premiums, while rural locations tend to have lower costs.
Why Does Location Affect Your Insurance Cost?
- Traffic Congestion – More vehicles on the road increase the likelihood of accidents.
- Crime Rates – Higher theft and vandalism rates can lead to higher premiums.
- Weather Risks – Areas prone to severe weather or flooding may see increased insurance costs.
Average Motorcycle Insurance Rates by City in Tennessee
Below are estimated monthly motorcycle insurance rates in different cities across Tennessee. Rates vary based on factors like coverage level, riding history, and type of bike.
| City | Price |
|---|---|
| Brentwood | $106.00 |
| Springfield | $133.00 |
| Spring Hill | $99.00 |
| Covington | $121.00 |
| Nolensville | $126.00 |
| Athens | $116.00 |
| Maryville | $124.00 |
| Dickson | $97.00 |
| Oak Ridge | $121.00 |
| South Cleveland | $115.00 |
| Crossville | $127.00 |
| Clinton | $113.00 |
| Bristol | $124.00 |
| Goodlettsville | $113.00 |
| Red Bank | $107.00 |
| Union City | $114.00 |
| Franklin | $133.00 |
| Sevierville | $117.00 |
| East Ridge | $105.00 |
| Kingsport | $134.00 |
| Memphis | $105.00 |
| Signal Mountain | $133.00 |
| Lakeland | $131.00 |
| Harrison | $124.00 |
| Arlington | $131.00 |
| Johnson City | $97.00 |
| Lewisburg | $124.00 |
| Collierville | $106.00 |
| Greeneville | $125.00 |
| Alcoa | $127.00 |
| Hendersonville | $116.00 |
| Morristown | $111.00 |
| Jefferson City | $116.00 |
| Lebanon | $110.00 |
| Martin | $132.00 |
| Atoka | $131.00 |
| Fairview | $114.00 |
| Winchester | $111.00 |
| Nashville-Davidson | $122.00 |
| Tullahoma | $110.00 |
| Smyrna | $132.00 |
| Germantown | $105.00 |
| Portland | $126.00 |
| Columbia | $96.00 |
| Bartlett | $116.00 |
| Chattanooga | $117.00 |
| Fairfield Glade | $115.00 |
| Soddy-Daisy | $98.00 |
| Mount Juliet | $122.00 |
| Manchester | $103.00 |
| Collegedale | $113.00 |
| Lawrenceburg | $125.00 |
| White House | $104.00 |
| Humboldt | $119.00 |
| Farragut | $130.00 |
| La Vergne | $99.00 |
| Paris | $129.00 |
| Dyersburg | $104.00 |
| Gallatin | $112.00 |
| Shelbyville | $99.00 |
| Middle Valley | $110.00 |
| McMinnville | $103.00 |
Motorcycle Safety Tips for Tennessee Riders
Riding a motorcycle comes with excitement and freedom, but safety should always be a priority. Whether you’re commuting through Nashville or exploring the scenic roads of the Smoky Mountains, these tips can help you stay safe on Tennessee roads.
1. Make Yourself Visible
- Wear bright or reflective gear, especially at night.
- Avoid riding in a vehicle’s blind spots.
- Always use your headlights, even during daylight hours.
2. Follow Traffic Laws
- Lane splitting is illegal in Tennessee, so avoid weaving between cars.
- Obey all traffic signals and speed limits to prevent accidents.
- Signal well in advance before turning or changing lanes.
3. Wear Protective Gear
- A DOT-approved helmet is required by Tennessee law and provides crucial head protection.
- Gloves, jackets, and boots help reduce injury in case of a fall.
- Eye protection is recommended for better visibility and debris protection.
4. Stay Aware of Surroundings
- Watch for vehicles making sudden lane changes.
- Be cautious in bad weather—wet roads reduce traction.
- Maintain a safe following distance from other vehicles.
5. Follow the “Look Twice, Save a Life” Rule
This well-known safety phrase emphasizes that drivers and riders must be aware of each other. Motorcyclists should assume other drivers might not see them and take extra precautions.
6. Enjoy the Ride, But Stay Safe
Motorcycling is a thrilling way to travel, but defensive riding can save your life. Being visible, following traffic laws, and wearing the right gear can significantly reduce your risk on the road.
Need Motorcycle Insurance in Tennessee?
Having the right motorcycle insurance is another critical aspect of safety. Contact us today for a free Tennessee motorcycle insurance quote and make sure you’re protected on every ride.
Which Companies Offer Motorcycle Insurance in Tennessee?
If you’re looking for affordable motorcycle insurance in Tennessee, it’s important to compare rates from multiple providers. Some companies specialize in offering low-cost policies for different types of riders, whether you have a clean driving record or need an SR22 filing.
How to Find the Best Motorcycle Insurance Rate
- Compare quotes from multiple companies to see which offers the best deal.
- Check for discounts, such as multi-policy, safe rider, or military savings.
- Choose the right coverage level, whether you need liability-only or full coverage.
Get a Free Quote Today
Looking for the cheapest motorcycle insurance in Tennessee? Contact us today for a personalized quote and see how much you can save.
| Company | Liability (Average) |
|---|---|
| Dairyland | $106.00 |
| Progressive Insurance | $100.00 |
| Geico | $201.00 |
Motorcycle insurance Tennessee: Frequently Asked Questions
How much is motorcycle insurance in Tennessee with SR22?
| Company | SR22 Liability (Average) |
|---|---|
| Dairyland | $116.00 |
| Geico | $106.00 |
| Progressive Insurance | $130.00 |
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For more information or to get a quote, call us at 1.888.445.2793.
Other Helpful Tennessee Insurance Guides
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Last Updated on by Veronica Moss