Motorcycle Insurance Providers in Tennessee
TN Motorcycle Insurance in Tennessee
Motorcycle Insurance Coverage Requirements in Tennessee
- Minimum Liability Limits in TN: 25/50/15 
- 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 
- 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 
- Bodily injury liability coverage
- Property damage liability coverage
Motorcycle Helmet Laws in Tennessee
- Motorcycle helmets required for all riders. 
Motorcycle Insurance Laws & Regulations in Tennessee
Motorcycle License Regulations in Tennessee 
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 
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.
Rider & Driver Facts in Tennessee
Tennessee Motorcycle Registrations
- Registered Riders in TN 
- In 2012, Tennessee totaled 167,566 motorcycles registrations.
- This number ranks 20th in the United States by state (including Washington, D.C.).
- Note: TN ranked 16th in the nation in total auto registrations (all vehicle types) in 2011.
Tennessee Highway Facts
- Speed Limits in TN 
- Rural interstates: 70 mph
- Urban interstates: 70 mph
- Other roads: 65 mph
- Consumption of Motor Fuel in TN 
- Tennessee ranked 15th in the U.S. in 2011 in total motor fuel consumption.
Tennessee Accident Reporting Regulations
- Accident Reporting in TN 
- Crashes involving death, injury, or when property damage is in excess of $400, are required to be reported.
- Reports must be submitted within 20 days from the crash.
Age Breakdown in Tennessee
Approximately 75% residents in TN are 20 and older, while 20% are between ages 5 and 19, and 5% are under the age of 5. 
Household Income: Tennessee vs. U.S.
The median household income in the state of Tennessee is $48,075, which is about 18 percent less than the median income for the United States overall of $58,283. 
Income Breakdown in Tennessee
About 18% of households in TN have incomes below the poverty level. Below is the complete income breakdown for the state. 
Additional information about Tennessee
Tennessee as a whole has an approximate population of 6,346,105, which ranks 15th in the nation. 
TN Motorcycle Insurance
To learn more about Motorcycle Insurance in Tennessee, or for additional resources related to Tennessee Motorcycle Insurance, visit the Tennessee Department of Insurance.
Did you know?
Currently, 19 states and the District of Columbia have laws requiring all motorcyclists to wear a helmet.
1. ^ Federal Highway Administration
2. ^ Property Casualty Insurers Association of America (PCIAA)
3. ^ Insurance Institute for Highway Safety (IIHS)
4. ^ AAA Digest of Motor Laws and/or Tennessee DOT
5. ^ U.S. Department of Transportation
6. ^ United States Census Bureau (2010)