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Do I Need to Insure My Motorcycle, Scooter, or Moped?

At Elite Insurance Solutions, one of the more common questions our agents are asked concerns the Tennessee state laws on motorcycle, moped, and other two- and three-wheeled vehicle insurance policies. Our customers want to know if two- and three-wheeled motorized vehicles require any insurance as well as what types of coverage are available. We would like to share some information with you from the Tennessee Department of Safety and Homeland Security regarding insurance policies and requirements for these types of transportation.

Exactly which two- and three-wheeled motorized vehicles are required by the State of Tennessee to be insured?

Although you can always contact the Department of Safety and Homeland Security to ask about the requirements for your motorcycle, scooter, or moped, the state has provided the following specifics:


MOTORCYCLES: In Tennessee, all motorcycles are required to be both registered and insured to drive legally on state roads. A motorcycle is defined as any two- or three-wheeled vehicle with an engine of 125 cc or more.

MOTOR-DRIVEN CYCLES: Also requiring registration and insurance, this type of cycle (more commonly known as a scooter) is defined as a two- or three-wheeled vehicle with an engine of up to 125 cc.

MOPEDS: Defined by the state as any motor-driven cycle with an engine under 50 cc, mopeds do not require insurance or registration; however, the state recommends both if you plan to use the moped in one of the allowable public areas.

What are the minimum requirements for insurance coverage for these vehicles?

Tennessee requires the following amounts of coverage for two- and three-wheeled motorized vehicles:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury if multiple people are involved in the accident
  • $15,000 for property damage

Is there an alternative to buying motorcycle, scooter, or moped insurance in Tennessee?

Tennessee does allow you to establish financial responsibility in another way besides purchasing liability coverage. Depending on your situation, you can deposit cash or a bond with the Department of Safety and Homeland Security; however, you may find it much more economical to speak with one of the agents at Elite Insurance Solutions to find an affordable insurance policy for your motorcycle, scooter, or moped.

Want to know more about insurance coverage of motorcycles, scooters, and mopeds? Contact Elite Insurance Solutions to ask one of our agents anything you need to know.

7 Benefits of Motorcycle Insurance

Why do you need motorcycle insurance? Even a cursory look at the National Highway Traffic Safety Administration’s gloomy reports on motorcycle-related deaths and injuries will quickly reveal that there’s great need for motorcycle insurance—or protection of any kind—to help ease the aftermath of a motorcycle crash.

If you live in Tennessee and are the owner of a touring bike, performance bike, cruiser, or ATV, we hope you will read through the most important benefits of motorcycle insurance and come to understand how invaluable they are.


  1.  You’ll be following the law. Motorcycle insurance is mandatory. Perhaps the best reason to get it is that you are required to by law.
  2.  You’ll get medical coverage in the event of injury in an accident. Motorcycle insurance will ensure that your financial stability isn’t wrecked if you are involved in a motorcycle accident that causes an injury.
  3.  You’ll have financial assistance in the event of damage to your motorcycle after an accident. Motorcycle insurance can help you avoid the exorbitant out-of-pocket costs that follow damage to your motorcycle or another driver’s property in an accident. Many policies include collision coverage that will cover the repair and replacement of motorcycles in the accident.
  4.  You’ll be protected in the event of theft, vandalism, or non-crash related damage to your motorcycle.
  5.  You’ll be protected in the event of natural disasters like floods and wind.
  6.  You’ll receive immediate help after an accident or in the event of a breakdown. Certain policies will offer you immediate roadside assistance, invaluable in the minutes after an accident of if your motorcycle has broken down. This should include towing to the nearest qualified repair facility as well as any necessary labor on site. Usually coverage extends also to trailers being towed by a motorcycle.
  7.  You may receive coverage for custom accessories and safety apparel.

For more about motorcycle insurance and motor-driven cycle and moped laws in Tennessee, visit Elite Insurance Solutions’ page dedicated to the subject. Elite Insurance Solutions offers the whole gamut of personal and business insurance coverage, including Auto, Boat, Life, and Health. If you live in Tennessee and want an insurance quote, we hope you will call our team of insurance veterans today. Reach us at 615-371-5400.

By Randy Hulett on July 20th, 2014 | Tagged with: Tags: , , , | Leave a Comment