Motorcycle Insurance

Tennessee's minimum insurance requirements for vehicles also extend to motorcycle owners. That means carrying minimum bodily injury coverage or $25,000 per person and $50,000 per accident, along with property damage coverage of $15,000. Motorcyclists face extra risks on the road since they don't have all the built-in safety features of a car like an enclosed space and air bags. Nearly 14 percent of traffic-related fatalities on TN roads in 2012 involved motorcyclists, so it is essential to take safety precautions like wearing a helmet (and ensuring that your passenger also wears one). Completing a motorcycle safety course can not only sharpen your skills, but it can also earn you an insurance discount. Some insurers offer discounts for belonging to a motorcycle organization or installing an anti-theft device.