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tennessee motorcycle insurance

A remarkable mix of dense forests and spectacular mountains makes Tennessee a scenic paradise for motorcycling. But before you take in the view, we'll help you set your sights on affordable motorcycle coverage.

When you get a Tennessee motorcycle insurance quote from Esurance, you'll see just how easy it is to save time and money on your policy. With our trustworthy and customizable coverage, you're in great shape to cruise the Volunteer State worry-free.

tennessee motorcycle insurance discounts

If only the Copper Basin miners of yore could see how easy it is to strike it rich in Tennessee nowadays. (No more smelting? Huzzah!) All it takes is a free quote to be on your way to amazing discounts and savings.

Paid-in-Full discount

Score this discount simply for paying your premium all up front.

Multi-Vehicle discount

If you insure another ride with us besides your motorcycle (such as your Appalachian-bound ATV), you can nab easy savings. And the more vehicles you add, the higher your discount.

Safety Course discount

Tennesseans who complete a state-approved motorcycle safety course can lower their rates (and risks).

Responsible Driver discount

Riders in Tennessee can save big if they have at least 2 years of motorcycling experience and have gone 36 months without an incident.

There are plenty more discounts available in Tennessee to help riders save a pretty penny, including the Multi-Policy discount, Homeowners discount, Recovery Device discount, Switch & Save® discount, Motorcycle Endorsement discount, and the Antilock Brakes discount.

required motorcycle coverage in tennessee

All riders in the Volunteer State must have liability insurance, which helps cover others' property damage or injury bills if you're at fault in an accident. You must select at least the following limits:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per incident
  • $15,000 property damage coverage per incident

This is only the minimum coverage limit required. You can select higher limits when getting your Tennessee motorcycle insurance quote.

optional motorcycle coverages

Some things (like the time-honored recipe for Tennessee whiskey) are perfect just as they are. Your motorcycle policy, on the other hand, benefits from some savvy additions. On top of basic liability insurance, you can bolster your protection with helpful motorcycle coverages.

Collision and comprehensive coverage

If you cause an accident, collision coverage goes toward repairing your motorcycle. Meanwhile, comprehensive coverage helps repair your bike after non-collision incidents (like vandalism or getting struck by falling debris) and can help replace your hog if it's ever stolen.

Uninsured motorist coverage

More than 1 in 5 drivers in Tennessee are uninsured, one of the largest ratios in the country, so it only makes sense to want some added protection. With uninsured motorist coverage, you can take to the road knowing that if you're struck by an uninsured driver, you won't have to face daunting injury bills on your own.

And if an accident caused by an uninsured driver also leaves your motorcycle banged up, uninsured motorist property damage coverage will kick in to help you make the repairs.

Medical payments coverage

This coverage is a real lifeline if you or your passengers suffer injuries while riding — especially if you have less-than-stellar health insurance.

Enhanced injury protection

When you select medical payments coverage, you can also add enhanced injury protection. This provides even more help when recovering from accidents, including income replacement (up to a weekly limit) in case you need to take time off work following injuries.

Optional equipment coverage

Taking great care of your motorcycle deserves a reward. That's why when you purchase collision and comprehensive in Tennessee, we'll automatically add $3,000 worth of coverage for your bike's bells and whistles, such as custom paint, cargo racks, saddlebags, and more. And if you want even more coverage for your optional equipment, you can select higher limits (up to $30,000).

Personal contents coverage

Cargo space has come a long way since your grandfather's chopper — some models can easily fit a suitcase or 2! And if items stored in your bike, such as camping equipment, electronics, or safety gear, are damaged or stolen, you'll be glad you have personal contents coverage to help repair or replace them.

You must have collision and comprehensive to select this coverage.

Trip interruption coverage

A mechanical failure or covered incident doesn't have to derail your motorcycle voyage. If you're in a sticky spot more than 100 miles from home, trip interruption coverage provides:

  • $100 for lodging
  • $50 for alternate transportation
  • $50 for food

And that's per day until your bike is fixed ($500 limit per incident).

Towing and labor coverage

If you have a breakdown or accident within 100 feet of the road, we offer up to $100 for towing and on-site maintenance, such as battery jumps.

Transport trailer coverage

This coverage goes toward repairing trailers damaged while toting around your motorcycle, ATV, or other covered vehicles.

Related links

Tennessee car insurance
Stay up-to-date on car insurance requirements and discount options in the Volunteer State.

Motorcycle types explained
Just getting into motorcycling? Hit the ground running (make that rolling) with this primer on bike types and which one best suits you.

Get a motorcycle insurance quote and see how much you can save.

or call 1-866-455-1980