Who Has the Cheapest Motorcycle Insurance in Tennessee?
Dairyland has the cheapest motorcycle insurance in Tennessee with an average rate of $22 per month.
Best cheap motorcycle insurance in TN
How we chose the top companies
Cheapest Tennessee motorcycle insurance
Dairyland is the cheapest motorcycle insurance company in Tennessee.
Dairyland charges an average of $22 per month for full coverage motorcycle insurance. That's around half of the state average.
Find Cheap Motorcycle Insurance Quotes in Tennessee
The average cost of motorcycle insurance in Tennessee is $41 per month for full coverage, which is 28% higher than the national average.
Cheap TN motorcycle insurance companies
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $22 | |
| Progressive | $27 | |
| Harley-Davidson | $34 | |
| Allstate | $50 | |
| Geico | $51 | |
| Nationwide | $62 | |
Best for cheap rates: Dairyland
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Editor's rating
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Cost: $22/month
Overview
Pros/Cons
Dairyland has the most affordable motorcycle rates in Tennessee, along with useful coverage add-ons for daily riders.
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 offers rental reimbursement and roadside assistance. These coverage add-ons are important if your motorcycle is your main way to get around.
- 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 in the shop after an accident.
However, Dairyland doesn't offer as many coverage options as other major companies. For example, you can't add trip interruption, which pays for extra nights at a hotel and food costs if your motorcycle breaks down while you're on a road trip.
The main downside to choosing Dairyland is that its customer service is just average.
While you may not have a bad experience with Dairyland, a company with fewer complaints — like Progressive — may help get your life back to normal more quickly after a crash.
Best for most people: Progressive
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Editor's rating
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Cost: $27/month
Overview
Pros/Cons
Progressive is the best choice for most riders in TN because it has few complaints, affordable rates and excellent coverage.
In Tennessee, Progressive motorcycle insurance costs an average of $27 per month, making it one of the cheapest companies.
Progressive also offers many discounts to help lower your insurance bill.
Some are very easy to get, like a discount for switching from another insurance company, having a valid motorcycle license or endorsement and getting a quote more than one day before your coverage begins.
In addition, full coverage Progressive policies include protection that other companies typically charge extra for. This includes:
- Original manufacturer parts coverage, which guarantees Progressive will fix your bike using parts from its original manufacturer instead of cheaper after-market parts.
- Replacement value for parts, which pays to fix your motorcycle to its original condition, regardless of any wear and tear before your accident.
- $3,000 in accessories coverage, which pays for damage to custom parts and after-market accessories like saddle bags, handlebars or a CB radio.
If you want these coverages, it may be worth paying a little extra for a Progressive policy instead of paying to add them on at another company.
You can also choose to customize your policy by adding on unique options such as:
- Coverage for personal items, like a phone
- Enhanced injury coverage to cover lost income or funeral expenses after a major crash
- Accident forgiveness
- Disappearing deductible if you don't have an accident
However, Progressive doesn't offer rental reimbursement coverage, which helps pay for a rental car after an accident. If you worry about how you'll afford this expense after a crash, you should consider Dairyland instead.
Progressive gets half as many complaints as an average company its size. This suggests that you can count on Progressive to get you back on the road quickly after an accident.
Best discounts: Harley-Davidson
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Editor's rating
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Cost: $34/month
Overview
Pros/Cons
Harley-Davidson's wide range of discounts could make it the most affordable company for some people.
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
- Install an alarm on your motorcycle
- Are an experienced rider
- Belong to the Harley Owners Group
- Own a home
- Have multiple bikes
- Haven't had an accident
- Are an active or retired military member or law enforcement officer
However, Harley's rates before discounts are much more expensive than some other companies in Tennessee. At $34 per month, Harley-Davidson costs $12 per month more than Dairyland and $7 per month more than Progressive.
Harley-Davidson offers lots of ways to personalize your protection. For example, you can add coverage for:
- Replacement cost
- Roadside assistance
- Rental reimbursement
- Motorcycles you rent on vacation
- Passenger injuries if you cause an accident
Harley-Davidson's main drawback is its high number of customer complaints.
Most complaints are about the company's long claims process. That means Harley-Davidson may take longer to fix your motorcycle after an accident than companies with fewer complaints, like Progressive and Dairyland.
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
Memphis, Tennessee's second-largest city, has the most expensive motorcycle insurance rates in the state compared to other large cities and towns.
Riders in Memphis pay an average of $67 per month for full coverage insurance.
The cheapest areas for motorcycle insurance in Tennessee are often smaller towns, including Dyersburg, Kingsport and Morristown. Rates average $37 per month in these areas.
Average motorcycle insurance cost in TN by city
City | Monthly cost | % from average |
|---|---|---|
| Athens | $40 | -2% |
| Athens | $40 | -2% |
| Chattanooga | $41 | -1% |
| Chattanooga | $41 | -1% |
| Clarksville | $40 | -2% |
Where you live impacts insurance rates because of factors such as road quality, accident rates and motorcycle theft in the area. It's important to compare rates from a few different insurance companies to find out which offers the best rates based on your location, driving history and age.
Tennessee motorcycle insurance requirements
In Tennessee, motorcycle owners must have insurance with at least 25/50/25 of liability coverage.
This is the same amount of insurance you need to drive a car legally in the state.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
Also, Tennessee requires all companies to offer a discount on motorcycle insurance if you complete a Motorcycle Rider Education Course.
Frequently asked questions
How much is motorcycle insurance in TN?
Motorcycle insurance in Tennessee costs an average of $41 per month. But if you choose a cheap company like Dairyland, you could pay around half-price — just $22 per month.
Is motorcycle insurance required in Tennessee?
Yes, 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 pays for 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 minimal customer complaints, affordable rates and lots of coverage options. Plus, a full coverage policy from Progressive includes options that other companies charge extra for.
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 ratings of motorcycle insurance companies are based on customer service reviews, coverage availability, discounts and the overall quality a company provides its riders.
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
