Liability
Liability pays for injuries and damage you cause to others. Carrying more than the minimum protects your savings if a crash is serious.
- Bodily injury
- Property damage
- Passenger liability
- Higher limit options
Motorcycle insurance
Insure the bike, the gear, and the rider behind you.
Tennessee holds motorcycles to the same liability minimum as cars, and a bike needs more than the minimum. We compare carriers on liability, physical damage, custom parts, and coverage for your passenger.
The minimum pays the other driver. Not you.
Tennessee requires 25/50/25 liability on a motorcycle, the same as a car: $25,000 per person and $50,000 per accident for injuries you cause, plus $25,000 for property damage. That pays the other people in a crash. It does nothing for your bike, your gear, or your own injuries.
Riders are more exposed than drivers, so we look hard at uninsured motorist coverage, medical payments, and what happens to your custom parts after a loss. Tennessee also requires a helmet for nearly every rider and passenger, whatever their age.
Coverage
What a motorcycle policy covers.
A quote request does not bind, change, or cancel coverage. Campbell Insurance will confirm details in writing before any coverage action is taken.
Collision and comprehensive
Collision repairs your bike after a crash. Comprehensive covers theft, fire, hail, vandalism, and hitting a deer.
- Theft
- Deer strikes
- Storm damage
- Deductible choices
Custom parts and gear
Chrome, saddlebags, exhaust work, and riding gear often need their own limit. Tell us what you've added and we'll look for a policy that covers it.
- Custom parts and equipment
- Helmets and riding gear
- Saddlebags and accessories
- Value questions
Your own injuries
If a driver with too little insurance hits you, uninsured motorist coverage pays for your injuries. Medical payments coverage helps with your bills regardless of fault.
- Uninsured motorist
- Underinsured motorist
- Medical payments
- Roadside assistance options
Where Tennessee, Kentucky, and Virginia meet.
Our Harrogate office sits a few miles from Cumberland Gap. We're licensed in all three states, so we can keep helping if you move across the line.
Kentucky insuranceVirginia insuranceTennessee car insurance rules
Pinnacle Overlook, Cumberland Gap. Photo: National Park Service.
Questions
Common questions.
Is motorcycle insurance required in Tennessee?
Yes. Tennessee's financial responsibility law applies to motorcycles, so you need at least 25/50/25 liability or another approved form of proof.
Does my car insurance cover my motorcycle?
No. A motorcycle needs its own policy, though some carriers discount it when you insure your car with them too.
Can I lower my premium in the off-season?
Some carriers let riders reduce coverage while the bike sits in storage. Ask us before you cancel, because a lapse in coverage can raise your price later.
Do you insure ATVs, boats, and campers too?
Yes. We can look at options for off-road vehicles, boats, personal watercraft, campers, and RVs alongside your bike.
Ready to compare?
Tell us what you need to protect.
Call (423) 869-8699, start your quote online, or ask us to call you back.