Personal insurance · Middle Tennessee

Motorcycle Insurance in Nashville, TN

Riders looking for motorcycle insurance in Nashville, TN have more to think about than just liability. Here’s the rundown. Motorcycle insurance protects you, your bike, and other people on the road when you ride. According to the Tennessee Department of Revenue, vehicles with a motorcycle license plate fall under the same Financial Responsibility Law liability requirements as passenger vehicles. A good policy also helps repair or replace your bike and your custom parts after a covered loss.

Start my free quote

Text Eric: 615-808-1105

Veteran-owned (USMC)
Independent agent: compares multiple carriers
Free, no-obligation quotes

What it covers

Bodily injury and property damage liability Helps pay for injuries and damage you cause to others, including legal defense.
Collision Helps repair or replace your bike after a crash, minus your deductible.
Comprehensive Covers theft, vandalism, fire, hail, and hitting an animal.
Uninsured/underinsured motorist Helps protect you if you’re hurt by a driver with no or too little insurance.
Medical payments Helps pay your medical bills after an accident, regardless of fault, where available.
Custom parts and equipment Covers aftermarket add-ons like exhaust, saddlebags, and custom paint, up to a limit.
Riding gear Some policies cover helmets, jackets, and other protective gear.

What it usually doesn’t cover

Mechanical breakdown and wear and tear are typically excluded.
Racing, track days, and timed events are often excluded.
Custom parts above your policy’s limit are typically not fully covered.
Injuries to your passenger may be limited unless you carry guest passenger liability, depending on the policy.

Who it’s for

Motorcycle insurance is for anyone who owns or rides a street motorcycle, cruiser, sport bike, touring bike, or scooter in Tennessee. It’s also worth considering for off-road bikes, dirt bikes, and trikes, which may need specialty coverage. Get the full rundown on custom parts and passenger coverage in our rider’s guide to motorcycle insurance.

Factors that affect your rate

Type of bike, engine size, and value
Your age, riding experience, and driving record
Where you live and store the bike
How much and how often you ride
Completion of a motorcycle safety course, where credits are offered
Coverage limits and deductibles

Optional coverages to consider

Guest passenger liability Adds protection if a passenger is injured while riding with you.
Roadside assistance and trip interruption Helps with towing and travel costs if you break down far from home.
Higher custom equipment limits Protects bikes with significant aftermarket upgrades.
Lay-up or seasonal options Some carriers let you adjust coverage during the months you don’t ride.

Why work with Eric

Every rider and every bike is different. Eric, an independent agent affiliated with Hutsenpiller Insurance, can compare motorcycle options from more than one carrier and help you cover what matters, from liability to that custom paint job. See the difference between captive and independent agents.

Motorcycle Insurance for Nashville-Area Riders

Eric helps riders in Franklin, Fairview, Brentwood, and Nashville, plus nearby Kingston Springs and Bellevue. Middle Tennessee has plenty of good riding, from back roads to longer weekend trips, and bikes here range from cruisers and touring bikes to sport bikes. Eric can help you set the right custom parts limits and compare options for how you ride. Wherever you ride in Middle Tennessee, he’s happy to help.

Frequently asked questions

Does Tennessee require motorcycle insurance?

Motorcycles with motorcycle plates fall under Tennessee’s Financial Responsibility Law, and liability insurance is the most common way to meet it.

Does my auto policy cover my motorcycle?

Typically, no. Motorcycles usually need their own policy or a specific motorcycle endorsement.

Are my aftermarket parts covered?

Usually up to a set limit. If you’ve invested in upgrades, you may need a higher custom equipment limit.

Can I save by taking a safety course?

Some carriers offer credits for approved rider safety courses. Ask us what’s available.

Learn more

Want to dig deeper before you decide? Read our article, Motorcycle Insurance in Tennessee: A Rider’s Guide to Coverage, for more plain-English answers and tips from Eric.

Get a free, no-obligation quote

Eric compares options from a variety of carriers and explains them in plain English. Start online, or call or text 615-808-1105.