Motorcycle Insurance in Knoxville, TN
Riding a motorcycle comes with unique risks, and motorcycle insurance may protect you from losses in case of accidents or damage. At Tennessee State Insurance, our agents are here to help you choose the most appropriate policy for your needs.
What Does Motorcycle Insurance Cover? 
The specifics of a motorcycle insurance policy may vary. However, a standard policy may include the following:
- Comprehensive coverage may cover damage caused by fire, natural disasters, theft and vandalism.
- Collision coverage may pay for damages to your motorcycle and other expenses if you hit an object, a tree or another vehicle.
- Property damage liability coverage may cover legal costs and other expenses if you’re held liable for damaging someone’s property.
- Bodily injury liability coverage may help pay for the medical expenses of a third party injured in an accident you caused.
- Uninsured/underinsured motorist coverage may shield you from losses if you’re involved in an accident with at-fault party who lacks insurance, or if you were a victim of hit and run.
How Much Motorcycle Insurance Do I Need?
In Tennessee, a minimum amount of liability coverage is required. The exact amount of motorcycle insurance that you need may depend on the following factors:
- Your location
- Your motorcycle’s value
- Lender requirements
Here are some ways you can save on your premium:
- Maintain a good driving record.
- Bundle your motorcycle coverage along with other policies under the same insurer.
- Include multiple motorcycles under one policy.
- Pay your premium annually.
- Pass a motorcycle safety driving course.
How to Get Motorcycle Insurance
If you’re a motorcycle rider in Tennessee, contact Tennessee State Insurance for our policy offerings or to request a personalized quote.