Motorcycle Insurance Minimum Requirements in Tennessee

Two- and Three-Wheeled Vehicles Defined

If you’re unsure about whether your two- or three-wheeled vehicle requires registration and liability coverage, contact the DOS at (866) 903-7357.

• Motorcycle―In this state, a motorcycle is any two- or three-wheeled vehicle with a 126 cc or more engine. Motorcycles require registration and insurance.

• Motor-driven cycle―Also known as a scooter, a motor-driven cycle is a two- or three-wheeled vehicle with an engine of between 51 cc and 125 cc. Motor-driven cycles require registration and insurance.

• Moped―In this state, a moped is any two- or three-wheeled motor-driven cycle with an engine under 50 cc. Because these vehicles can only venture into certain areas, you don’t have to register or insure them; however, the DOS strongly suggests both register and insuring your moped if you plan to operate it in one of the few allowable public areas.

Tennessee Insurance Requirements for Motorcycles

If you opt to purchase an insurance policy rather than post a cash deposit or bond, the DOS recommends speaking with your insurance carrier about the minimum liability coverage requirements you must meet. Generally, your insurance policy must include at least:

• $25,000 for one injury or death

• $50,000 for all injuries or deaths

• $15,000 for property damage for one accident

Meeting the minimum liability coverage requirements doesn’t always mean you’re fully protected. Research the various types of coverage available with insurance policies to choose the right amount of coverage for your needs.

How Coverage Affects Helmet Requirements

No matter how much liability coverage you purchase, or how significant a cash deposit or bond you post, you must wear a helmet whenever you operate or ride along on a motorcycle, scooter, or moped.

Proof of Insurance and Financial Responsibility

You don’t have to show proof of insurance when you register your motorcycle or scooter, but you do have to show it if you’re ever involved in an accident or a police officer pulls you over. You can prove your financial responsibility when you show the:

• Insurance card, binder, or declaration binder your insurance carrier issues you.

• Certificate from the DOS that state you’ve posted a cash deposit or bond in the amount required.

Penalties for Failure to Maintain Financial Responsibility

Failure to maintain financial responsibility for your motorcycle or scooter is a Class C misdemeanor and can bring an assortment of penalties, such as:

• Paying a fine of up to $100.

• Having your license suspended.

• Having a STOP against your vehicle file (this prevents you from renewing your motorcycle registration).

Generally, you’ll need to pay the fine and establish and show proof of financial responsibility before you can reinstate your license; however, you should contact the DOS at (866) 903-7357 for instructions specific to your situation.