Who Has The Cheapest Motorcycle Insurance Quotes In Tennessee?

Tennessee is a landlocked state in the U.S. and one of the best places to ride a bike. Along with a rich history of food and music, the state is known for its beautiful scenery. To see who in Tennessee had the best motorcycle insurance rates, we gathered motorcycle insurance quotes from four major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was 68.6% higher than the cost of the cheapest in Tennessee. 

Cheapest Motorcycle Insurance in Tennessee

Our study of motorcycle insurance companies in Tennessee showed Nationwide had the best quotes for our sample policy and rider. The company's premiums were more than 69% lower than Progressive, the company with the most expensive rates.

A ValuePenguin study found Nationwide had the best motorcycle insurance rates for a sample policy and rider in Tennessee.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Two other motorcycle insurance companies -- Diaryland and GEICO -- also had average quotes that were below the Tennessee average of $618. Dairyland and GEICO quoted premiums that were $547 and $577, respectively. We consider the two insurers to be among the best motorcycle insurance companies across the country. Progressive's average rate quoted was $1,006 and significantly more expensive than the state average.

Best Motorcycle Insurance Rates In Tennessee: By City

The places with the best motorcycle insurance quotes in Tennessee were spread throughout different areas of the state. Although, none of them were large cities or towns, such as Nashville. The place with the cheapest motorcycle insurance in Tennessee was Columbia, where premiums were 20.3% lower than the average cost of motorcycle insurance in Tennessee.

RankCityAverage Annual Rate% Difference vs State Average
1 Columbia $494 -20.3%
2 Tiptonville 571 -7.9%
3 Selmer 578 -6.8%
4 Woodbury 594 -4.2%
5 La Follette 597 -3.8%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Columbia, TN

Columbia took the top spot in our list of the cities and towns with cheap motorcycle insurance in Tennessee. The city in Maury County is in the middle of the state, about 46 miles south of Nashville. More than 34,000 people call Columbia home. Residents and tourists alike enjoy the annual Mule Day –- a celebration hosted by the self-proclaimed “Mule Capital of the World.” It also has the lowest motorcycle insurance rates in Tennessee. Quotes for our sample motorcycle insurance policy were 20.3% lower than the state average.

Tiptonville, TN

The town of Tiptonville is located between the Mississippi River and the Blue Basin in the northwest corner of the state. Approximately 2,500 residents live in Tiptonville where there is a vibrant main street and plenty of opportunities to enjoy the outdoors. Motorcycle insurance rates in Tiptonville were 7.9% lower than the Tennessee average in our study, placing it with the second cheapest rates for insuring a motorcycle in the Volunteer State.

Selmer, TN

East of the Tennessee River, and only 15 miles from the Mississippi border, is the town of Selmer. About 4,400 people live in the town, which was named after Selma, Alabama. Although it’s small, there’s plenty to do in the area. Some of the more popular attractions include the Shiloh National Military Park, Pinson Mounds Archaeological Site, and the Coon Creek Science Center. Ranking with the third most affordable motorcycle insurance is Selmer, whose rates for our example rider were 6.8% lower than the state average.

Woodbury, TN

At the confluence of the East Fork Stones River and Hill Creek is the town of Woodbury. It’s only 18 miles east of Murfreesboro and also part of the Nashville Metropolitan Statistical Area. There are a number of parks, a distillery a vibrant arts community within Cannon County, where Woodbury is located. Motorcycle insurance rates in the town are some of the most affordable in Tennessee, too. Our study found premiums in Woodbury were 4.2% lower than the state average.

La Follette, TN

Between the North Cumberland OHV Riding Area and Norris Lake is the city of La Follette. It has more than 7,100 residents and was named after two brothers with the last name Lafollete -– even though federal agencies spell the name as two words. It’s most rapid population boom occurred at the turn of the 20th century but it continues to grow. Motorcycle insurance rates in La Follette are 3.8% lower than the Tennessee average, according to our study. 

Most Expensive Motorcycle Insurance in Tennessee

The five places with the most expensive motorcycle insurance rates in Tennessee were also scattered across the state. Although, unlike the cheapest places, the most expensive places included municipalities with a wider range of population size. The spot with the most expensive motorcycle insurance premiums in Tennessee was Memphis, where rates were 34.4% higher than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Memphis $833 34.4%
2 Mountain City 750 21.0%
3 Erwin 732 18.1%
4 Elizabethton 722 16.4%
5 Livingston 707 14.1%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Memphis, TN

The place with the most expensive motorcycle insurance rates in Tennessee was Memphis. The city along the Mississippi River known for its food also has a famously rich music history. Elvis Presley, B.B. King and Johnny Cash are among the artists who recorded albums at the legendary Sun Studio in Memphis. Unfortunately, motorcycle insurance is expensive for the city’s roughly 650,000 residents. Our study showed motorcycle insurance rates in Memphis were 34.4% higher than the state average.

Mountain City, TN

Mountain City is a small town in the Cherokee National Forest in the northeast corner of Tennessee. It has about 2,500 residents who, along with tourists, enjoy the numerous trails and mountains in the area. Motorcycle insurance quotes in Mountain City were 21% higher than the state average, according to our study.

Erwin, TN

The town of Erwin is another place inside of the Cherokee National Forest in east Tennessee. It has about 6,000 residents and offers many of the same things as Mountain City, including a long list of outdoor pursuits. Nuclear Fuel Services, a subsidiary of Babcock & Wilcox, has a facility in Erwin which employees many residents. Motorcycle insurance rates in Erwin are some of the highest in the state. Premiums in our study were 18.1% higher than the Tennessee average.

Elizabethton, TN

Just outside of the Cherokee National Forest in northeast Tennessee is the city of Elizabethton, which has about 14,000 residents. According to the city’s website, Elizabethton was the first permanent settlement outside the original 13 colonies and the first majority-rule system of American democracy, called the Watauga Settlement. Today, the surrounding mountains and rivers still provide many outdoors activities to locals and visitors alike. Motorcycle insurance premiums in Elizabethton were 16.4% higher than the Tennessee average.

Livingston, TN

South of Dale Hollow Lake is the town of Livingston. Livingston is home to about 3,500 residents and was named after Edward Livingston, who served as Secretary of State under President Andrew Jackson. Motorcycle insurance rates in Livingston were 14.1% higher than the state average, according to our study.

Average Motorcycle Insurance Rates In Tennessee: By City

This comparative study of motorcycle insurance premiums in Tennessee was done by gathering and analyzing quotes from four major carriers across 69 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 68.6% more than the cheapest.

A study by ValuePenguin found the average motorcycle insurance rate for a sample policy and rider was $620.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 69 municipalities and census-designated places in the state of Tennessee. The quotes we gathered were from four major carriers - Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gathering quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
14 Ashland City $597 -3.8%
56 Athens 635 2.3%
23 Blountville 597 -3.8%
37 Carthage 613 -1.2%
42 Chattanooga 613 -1.1%
43 Clarksville 614 -0.9%
58 Cleveland 635 2.3%
1 Columbia 494 -20.3%
40 Cookeville 613 -1.2%
64 Covington 686 10.6%
34 Crossville 611 -1.5%
33 Dayton 608 -1.9%
9 Dickson 597 -3.8%
26 Dresden 599 -3.4%
59 Dyersburg 638 2.9%
27 Eagleville 602 -3.0%
66 Elizabethton 722 16.4%
67 Erwin 732 18.1%
53 Fayetteville 635 2.3%
10 Franklin 597 -3.8%
61 Germantown 644 3.8%
20 Greeneville 597 -3.8%
35 Huntingdon 611 -1.4%
31 Jackson 604 -2.5%
17 Jefferson City 597 -3.8%
25 Johnson City 597 -3.8%
21 Jonesborough 597 -3.8%
24 Kingsport 597 -3.8%
15 Kingston 597 -3.8%
28 Knoxville 602 -3.0%
5 La Follette 597 -3.8%
38 Lafayette 613 -1.2%
18 Lebanon 597 -3.8%
41 Lenoir City 613 -1.2%
30 Lewisburg 604 -2.6%
49 Linden 618 -0.3%
65 Livingston 707 14.1%
51 Lynchburg 627 1.1%
54 Madisonville 635 2.3%
45 Manchester 616 -0.6%
29 Martin 603 -2.7%
50 Maryville 618 -0.3%
55 McMinnville 635 2.3%
69 Memphis 833 34.4%
63 Milan 683 10.1%
22 Morristown 597 -3.8%
8 Mount Juliet 597 -3.8%
68 Mountain City 750 21.0%
6 Murfreesboro 597 -3.8%
62 Nashville 647 4.3%
7 Newport 597 -3.8%
12 Oak Ridge 597 -3.8%
44 Paris 615 -0.8%
19 Rogersville 597 -3.8%
32 Savannah 608 -2.0%
3 Selmer 578 -6.8%
16 Sevierville 597 -3.8%
11 Seymour 597 -3.8%
39 Shelbyville 613 -1.2%
36 Smithville 613 -1.2%
52 Sparta 635 2.3%
13 Springfield 597 -3.8%
57 Sweetwater 635 2.3%
Tennessee Average 620 0.0%
2 Tiptonville 571 -7.9%
60 Tracy City 644 3.8%
46 Tullahoma 616 -0.6%
48 Union City 617 -0.5%
47 Winchester 617 -0.5%
4 Woodbury 594 -4.2%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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