FAQs

Yes, Tennessee requires all motorcycle riders to carry liability insurance to cover potential damages or injuries caused by an accident.

Yes, Tennessee law mandates helmet use for all motorcycle riders, regardless of age.

The cost varies but is typically between $30-$50, depending on testing fees and the type of license obtained.

No, a specific motorcycle endorsement (Class M) or motorcycle license is required.

Riding without a license can result in fines, impoundment of the motorcycle, and possible legal penalties.

It typically takes a few weeks, including completing any necessary training, testing, and application processing.

Any motorcycle with an engine over 50cc requires a motorcycle license or endorsement in Tennessee.

Insurance costs are influenced by factors like the rider’s age, driving history, type of motorcycle, location, and coverage limits.

You can lower costs by bundling policies, maintaining a clean driving record, opting for higher deductibles, and taking safety courses.

Yes, motorcycles with higher engine capacities (measured in CCs) typically have higher insurance premiums due to increased speed and risk.

Motorcycles are considered higher-risk vehicles due to their vulnerability in accidents and higher theft rates.

Yes, sports bikes tend to have higher premiums because they are associated with higher speeds and more frequent accidents.

Rates are affected by factors such as the motorcycle’s value, type, age, location, rider’s history, and intended usage.

In some cases, riding a motorcycle can impact life insurance premiums, as insurers may consider it a higher-risk activity.

Generally, yes. However, premiums vary based on coverage and the type of vehicle insured. Sports bikes may be more expensive than some cars.

While often cheaper overall, sports bikes and other high-risk motorcycles can have premiums as high as some cars.

Yes, scooters generally have lower premiums due to their smaller engine sizes and reduced risk.

Yes, motorcycles generally offer better fuel efficiency compared to cars, making them cheaper to run.

While motorcycles are cheaper to fuel and maintain, insurance and gear costs can make ownership comparable to that of a car.

On average, motorcycle insurance in Tennessee costs between $300 and $1000 per year, depending on coverage and rider details.

Rates can vary. As an independent insurance agency, BJI can compare rates from many companies to help you find the coverage you need at the lowest rate.

Premiums tend to be highest for sports bikes, luxury motorcycles, and policies with comprehensive coverage and low deductibles.

Insurance companies base valuations on the motorcycle’s make, model, age, condition, and mileage, as well as market value.

Full coverage typically includes liability, collision, and comprehensive coverage, protecting against accidents, theft, and damages.

No, motorcycles are generally not covered by homeowners insurance and require a separate motorcycle insurance policy.

You may face fines, the motorcycle being impounded, and a possible court appearance if caught without a license.

Liability-only insurance covers damage or injury you cause to others but doesn’t cover damages to your motorcycle.

Collision covers damage to your bike in an accident, while comprehensive covers non-collision events such as theft, vandalism, or weather-related damage.

Yes, this coverage protects you if you’re involved in an accident with a driver who lacks adequate insurance.

Some policies offer guest passenger liability coverage, which protects passengers injured while riding with you.

Some insurers offer lay-up policies that cover only theft or storage risks during winter when the bike isn’t in use.

A lay-up policy provides limited coverage for the time your bike is stored, excluding road use during the winter or off-seasons.

Yes, custom bikes often need additional coverage due to their unique parts and higher value.

Yes, vintage motorcycles may require specialty insurance, which can be more expensive due to limited parts and higher repair costs.

Common discounts include safe rider discounts, multi-policy bundling, safety course completion, and anti-theft device discounts.

Yes, many insurers offer discounts if you bundle multiple policies, such as auto and motorcycle insurance.

Ensure your safety, contact emergency services if necessary, document the accident, and report it to your insurer to start the claims process.

Some policies include roadside assistance, which covers towing in case of breakdowns or accidents.

Standard motorcycle insurance usually excludes off-road riding. Special coverage may be needed for dirt bikes or off-road motorcycles.

Yes, most policies provide coverage across state lines, though it’s important to verify for any regional restrictions.

No, standard insurance doesn’t cover track days or racing events unless you purchase specialized coverage for these activities.