Motorcycle coverage guide · Middle Tennessee
How Much Motorcycle Insurance Do I Need?
Tennessee’s minimums are only a starting point. Here’s how to think about the rest.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
Every rider needs to meet Tennessee’s financial responsibility rules. Beyond that, consider higher liability, uninsured motorist coverage, physical damage for your bike and coverage for gear and custom parts.
Coverage
Sizing your motorcycle insurance, step by step
Work through these for your motorcycle insurance. Rough answers are fine to start.
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1. Liability
Minimums may not cover a serious accident.
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2. Uninsured motorist
Helps if a driver without enough insurance hits you.
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3. Physical damage
Collision and comprehensive for the bike.
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4. Gear and custom parts
Helmets, jackets and add-ons may need coverage.
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5. Passengers
Ask how passengers are covered.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to gather before you call about motorcycle insurance
Having these nearby makes a motorcycle insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Year, make and model
- Riding experience and safety courses
- Custom parts
- How you store the bike
Around Middle Tennessee
What people often miss with motorcycle insurance
A motorcycle’s medical exposure can be higher than a car’s, so uninsured motorist coverage deserves attention.
Some riders lay up their bikes in winter. Ask how that works.
Riders face more injury risk in a crash than drivers in a car, and Tennessee’s financial responsibility rules only set a floor. Many riders look closely at uninsured motorist and medical coverage, and at how passengers are protected.
Sources: Insurance Information Institute: motorcycle insurance · Tennessee Department of Revenue: Financial Responsibility Law
Helmet rules
Tennessee has helmet requirements. Check the state’s current rules.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Middle Tennessee Motorcycle Coverage Guide FAQs
Updated
What does Tennessee require?
Proof of financial responsibility. Check the state’s current rules.
Is the minimum enough?
It may not cover a serious accident.
What is uninsured motorist coverage?
It can help if a driver without enough insurance causes an accident.
Are custom parts covered?
They may need to be listed.
Does it cover my riding gear?
Some policies can.
Can I pause coverage in winter?
Ask us before you change anything.
Can I bundle with auto?
Often, yes.
How do I start?
Call 615-562-5100.
Does my auto policy cover my motorcycle?
Usually not. Motorcycles generally need their own policy.
Are safety courses worth mentioning?
Yes. Tell us about rider training. Some policies consider it.
Questions about your motorcycle insurance?
Tell us a little about your situation and we’ll follow up about your motorcycle insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about motorcycle coverage guide or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed