Motorcycle & ATV · TN, MS & AR
From the Natchez Trace to the Ozark foothills to the back forty: coverage for motorcycles, ATVs, and the riders on them.
A motorcycle policy looks like an auto policy from a distance. Up close, the details are built for riding.
Injury and property damage you cause while riding. Tennessee, Mississippi, and Arkansas all require motorcycles to carry the same 25/50/25 minimums as cars.
Required in TN, MS & ARRepairs or replaces your bike after an accident, regardless of fault. Lenders require it on financed bikes.
RecommendedTheft is the big one for bikes, plus fire, vandalism, and storm damage while parked.
RecommendedOn two wheels, the other driver's mistake costs more. With roughly 1 in 4 drivers across the region uninsured, this coverage earns its keep.
Strongly recommendedCustom parts, saddlebags, helmets, riding gear. Optional coverage for everything bolted on or worn.
OptionalFour-wheelers and side-by-sides can be covered too, on your land and off it. Ask about what your homeowners policy doesn't cover here.
AvailableRules of the road that shape what a rider's policy should look like.
In all three states, motorcycles carry the same liability minimums as cars: $25K per person, $50K per accident, $25K property damage. Source: State insurance departments of TN, MS, and AR.
Mississippi requires helmets for all motorcycle riders and passengers, regardless of age. Helmet rules differ across state lines, so know the law wherever you ride. Source: Mississippi Code § 63-7-64.
Mississippi's uninsured rate is among the highest in the nation, with Tennessee near 21% and Arkansas near 19%. On a bike, that math matters more. Source: Insurance Research Council.
The Mid-South riding season doesn't really end. Year-round riding is a reason to keep coverage active instead of lapsing over winter. Local knowledge.
A few questions about you and the bike. A rate in minutes.