Who Has the Cheapest Motorcycle Insurance in Tennessee?
Dairyland has the cheapest motorcycle insurance in Tennessee with an average rate of $22 per month.
Compare Motorcycle Insurance Quotes in Tennessee
Best cheap motorcycle insurance in TN
To help you find the cheapest motorcycle insurance in Tennessee, ValuePenguin compared hundreds of quotes across 32 of the largest cities in Tennessee. Averages are based on quotes from the seven top companies for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage.
Rankings for the best motorcycle insurance companies in Tennessee are based on customer service, rate of complaints, cost and coverage availability. See our full methodology.
Cheapest motorcycle insurance companies in Tennessee
The cheapest motorcycle insurance company in Tennessee is Dairyland, which has an average cost of $22 per month or $262 per year. That's around half of the state average, saving you about $20 per month.
Compare Motorcycle Insurance Quotes in Tennessee
The average cost of motorcycle insurance in Tennessee is $41 per month or $497 per year.
Cheap motorcycle insurance companies in TN
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $22 | |
| Progressive | $27 | |
| Harley-Davidson | $34 | |
| Markel | $44 | |
| Allstate | $50 | |
Best for cheap rates: Dairyland
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Editor rating
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Monthly rate
$22 ?
Pros and cons
Dairyland has the cheapest motorcycle rates in Tennessee. Full coverage motorcycle insurance from Dairyland costs $22 per month in TN. That's about half of the statewide average.
Dairyland also has good motorcycle coverage options you can add to your policy. This can help you customize your coverage to your needs so you can get back on the road quickly after an accident.
- Roadside assistance: Provides 24/7 towing and help for dead batteries, flat tires and mechanical problems.
- Rental reimbursement: Covers the cost of a rental vehicle for up to 30 days while your bike is being repaired after an accident.
- Special equipment coverage: Insures the higher cost of custom motorcycles.
- Original manufacturer parts coverage: Pays to repair your bike with brand-name parts, rather than using third-party or aftermarket parts.
Dairyland offers several discounts on motorcycle insurance. You'll pay lower rates if you own a home, have multiple motorcycles, switch to the company, or join the Harley Owners Group.
The downside is that Dairyland does 60% have more complaints than average. That means the claims process after an accident could be more difficult with Dairyland, than it would be with another company.
Best for most people: Progressive
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Editor rating
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Monthly rate
$27 ?
Pros and cons
Progressive motorcycle insurance is the best choice for most riders in TN. It has satisfied customers and affordable rates for a robust policy that goes beyond the basics.
All Progressive policies include coverage for original manufacturer parts, replacement value for custom parts, and $3,000 in accessories coverage. Unlike other companies, you won't need to pay extra to add these on to your policy.
In Tennessee, Progressive motorcycle insurance costs an average of $27 per month, making it the second-cheapest company. And you can choose to customize your policy by adding on unique options such as:
- Coverage for things you're carrying, like a phone
- Enhanced injury coverage
- Accident forgiveness
- Disappearing deductible if you don't have an accident
Plus, Progressive receives 35% fewer complaints than average, showing it's a good insurance company with satisfied customers.
Best discounts: Harley-Davidson
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Editor rating
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Monthly rate
$34 ?
Pros and cons
Harley-Davidson offers the most discounts to lower your motorcycle insurance rates in TN. This could make Harley one of the cheapest companies for you, depending on how many discounts you qualify for.
You could get a discount if you:
- Pay on time
- Have a new bike
- Haven't had an accident
- Are an experienced rider
- Own a home
- Have multiple bikes
Harley's rates before discounts are affordable. The average cost of Harley-Davidson motorcycle insurance in Tennessee is $34 per month. That's 17% cheaper than average.
Harley-Davidson insurance also has a low rate of customer complaints. So if it's important to you to have good customer service after an accident or during the claims process, Harley-Davidson insurance may be a good choice for your bike.
With Harley-Davidson insurance, you can also choose to add on coverage for:
- Replacement cost
- Roadside assistance
- Rental reimbursement
- Passenger injuries if you cause an accident
- Motorcycles you rent on vacation
The downside with Harley is that it only insures motorcycles. You'll need to use another company to insure your car or home. This means you'll have multiple policies and renewals to manage.
Tennessee motorcycle insurance rates by city
The cheapest Tennessee large cities for motorcycle insurance are often smaller towns in the eastern part of the state including Johnson City, Kingsport, Morristown, Oak Ridge and Greeneville where rates average $38 per month.
Motorcycle insurance is most expensive in Memphis where a policy costs about $65 per month.
City | Monthly cost | % from average |
|---|---|---|
| Athens | $41 | -2% |
| Chattanooga | $42 | 1% |
| Clarksville | $40 | -3% |
| Cleveland | $41 | -2% |
| Columbia | $39 | -7% |
Where you live impacts insurance rates because of factors such as road quality and motorcycle theft in the area. Bad roads and higher rates of theft will raise your rates.
Dairyland has the cheapest rates across all TN cities for a typical motorcycle rider.
Even in Memphis where rates average $65 per month, a policy from Dairyland costs only $31 per month.
It's important to compare rates from a few different insurance companies to find out which will cover you the best rates based on your location, driving history and age.
Tennessee motorcycle insurance requirements
In Tennessee, motorcycle riders are required to have $25,000 bodily injury coverage per person, $50,000 bodily injury coverage per incident and $25,000 property damage coverage per incident.
Coverage | Limits |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $25,000 |
In Tennessee, you'll need the same amount of insurance to ride a motorcycle as you need to drive a car.
Also, Tennessee requires all companies to offer a 10% discount on motorcycle liability insurance if you complete a Motorcycle Rider Education Course. That means you could save an average of $149 over three years.
Frequently asked questions
How much is motorcycle insurance in TN?
Motorcycle insurance in Tennessee costs an average of $41 per month or $497 per year. But if you choose a cheap company like Dairyland, you'll pay around half price — just $22 per month.
What is the minimum motorcycle insurance in TN?
In Tennessee, you'll need motorcycle insurance that's at least 25/50/25 which means it covers at least $25,000 in bodily injury per person, $50,000 in total bodily injury per accident and $25,000 in property damage per accident. However, if you have a motorcycle loan or lease, you'll usually need to get full coverage which also covers damage to your bike.
What's the best motorcycle insurance in TN?
Progressive has the best motorcycle insurance in Tennessee for most riders. It has high customer satisfaction, affordable rates that average $27 per month and lots of coverage options. Plus, a basic policy from Progressive includes options that other companies charge extra for.
Compare motorcycle insurance in Tennessee vs other states
Methodology
ValuePenguin gathered more than 200 motorcycle insurance quotes from seven major companies that offer coverage in Tennessee: Allstate, Dairyland, Geico, Harley-Davidson, Markel, Nationwide, and Progressive.
Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel, which is a popular, middleweight cruiser. Quotes are for full coverage insurance policies that provide better coverage than Tennessee requires.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
ValuePenguin's editor's ratings of motorcycle insurance companies are based on customer service reviews, coverage availability and the overall quality a company provides its riders. Data sources include AM Best and the National Association of Insurance Commissioners (NAIC) Complaint Index.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.