Tennessee Motorcycle Insurance

Motorcycle Insurance Coverage Requirements in Tennessee

• Minimum Liability Limits in TN: 25/50/15 ^[2]
• • 25  Required coverage up to $25,000 for one individual injured in an accident
  • 50  Required coverage up to $50,000 for all persons injured in an accident
  • 15  Required coverage up to $15,000 for property damage in an accident
  • Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

• Insurer Verification of Insurance in TN ^[2]
• • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
  • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Tennessee Motorcycle Insurance Liability Requirements

Mandatory motorcycle insurance coverage for riders in the state of Tennessee.

• Motorcycle Insurance Requirements in TN ^[2]
• • Bodily injury liability coverage
  • Property damage liability coverage

Motorcycle Helmet Laws in Tennessee

• • Motorcycle helmets required for all riders. ^[3]

Motorcycle License Regulations in Tennessee ^[4]

Detailed information about Tennessee laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

• Motorcycle License Laws in TN
• • A person who is at least 16 years of age and a legal resident of Tennessee may apply for a motorcycle license.
  • Minors who are 15 years of age and legal residents of Tennessee may apply for a motorcycle learner's permit. Permit holders may only operate during daylight hours, are limited to a 20 mile radius of the permit holder's home, may not operate a motorcycle on the Interstate system, may not operate a motorcycle with an engine size greater than 650cc, and may not carry any passengers.
  • Applicants who have successfully completed a motorcycle rider training course may be exempted from taking the licensing skills test and/or the knowledge test.

Motorcycle Equipment Laws in Tennessee ^[4]

Various regulations and laws in Tennessee regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

• Motorcycle Equipment Laws in TN
• • All motorcycle operators and passengers on a motorcycle must wear a safety helmet, unless the person is over age 21 and in an enclosed cab.
  • Every motorcycle must be equipped with a windshield, or the operator and any passenger must wear safety goggles, face shields, or glasses containing impact resistant lenses.
  • Motorcycles must be equipped with a rearview mirror mounted on the left handlebar in an upright position and securely attached footrests for the driver and passenger.
  • Every motorcycle must be equipped with at least 1 and not more than 2 headlamps, which must be on at all times during operation.
  • It is unlawful to operate a motorcycle unless seated in the regular seat with one leg on each side and with the headlamp illuminated.