Motorcycle Insurance in Hendersonville, TN - Coverage for Bikes & Riders

Ride Confidently With Coverage Built for Motorcycles

Motorcycle insurance helps protect you financially if you’re involved in an accident, your bike is damaged, or someone is injured. Because motorcycles have unique risks—busy Nashville traffic, distracted drivers, and higher injury exposure—having coverage that’s set up correctly matters.



The Bill Yon Agency helps riders across Hendersonville, Nashville, and Middle Tennessee compare options and choose coverage that fits how you actually ride.

A woman is sitting at a table looking at her cell phone.
A pair of hands holding a heart with a cross on it.

The Core Protections

Check mark inside a circle.

Liability Coverage

Helps cover injuries or property damage you cause to others. It’s the foundation of a motorcycle policy and often required to ride legally.

Check mark inside a circle.

Collision Coverage

Helps pay to repair or replace your motorcycle after an accident, regardless of fault (subject to your deductible).

Check mark symbol within a circle.

Comprehensive Coverage

Helps cover non-collision losses like theft, vandalism, fire, or storm damage.

Checkmark inside a circle.

Uninsured/Underinsured Motorist

Helps protect you if you’re hit by a driver who doesn’t have enough insurance.

Checkmark inside a circle.

Medical Payments (MedPay)

Can help with medical expenses after an accident, depending on your policy.

We’ll explain what each coverage does in plain language and help you choose limits that make sense.

Gear, Accessories, and Roadside Help

Many motorcycle policies can be customized with options such as:

  • Accessory/Custom Parts Coverage (helmets, upgrades, aftermarket parts)

  • Roadside Assistance/Towing

  • Not bundling policies, and missing out on up to 20% in savings with multi-policy discounts.

  • Trip Interruption (if available)

If you’ve invested in your bike or gear, we’ll make sure the policy reflects that—so you’re not guessing at claim time.

A Simple Way to Decide: A Simple Way to Decide

The right coverage depends on:



  • Your bike’s value and whether it’s financed
  • How often and where you ride (daily vs weekends)
  • Your savings and comfort level with deductibles
  • Whether you want broader liability protection


If you ride frequently around the Nashville metro—or want more protection for your assets—higher liability limits can be worth considering.

A woman is walking down the street holding a cup of coffee.

Saving on Motorcycle Insurance: Practical Ways to Lower Cost

Common factors that may help reduce premiums include:

  • Bundling with other policies (auto, home, renters)

  • We review your needs, answer questions, and compare multiple carrier quotes.

  • Safe riding history

  • Our team handles the paperwork, SR-22 filings if needed, and ongoing support.

As an independent agency, we can compare carriers to find value—not just a price.

A pair of hands holding a heart with a cross on it.

Your Motorcycle Insurance Questions, Answered

  • Do I have to carry motorcycle insurance in Tennessee?

    Tennessee requires liability coverage for motorcycles, just like cars. We’ll help you meet the legal requirement and choose limits that protect you beyond the minimum.

  • What does motorcycle insurance cover?

    Most policies can include liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage. We’ll walk you through what each one does and help you pick the right mix.

  • Does motorcycle insurance cover my helmet and riding gear?

    Standard policies don’t always include gear automatically. Many carriers offer optional coverage for helmets, jackets, and other riding gear, along with custom parts and accessories.

  • How much motorcycle insurance do I need?

    It depends on your bike’s value, whether it’s financed, how often you ride, and how much risk you want to keep out of pocket. Many riders choose higher liability limits and add uninsured motorist coverage for stronger protection.

  • Is comprehensive coverage worth it for theft and storm damage?

    If your bike is newer, financed, or would be expensive to replace, comprehensive can be a smart add-on. It commonly helps with theft, vandalism, fire, and certain weather-related damage.

  • Can I bundle motorcycle insurance with my other policies?

    Often, yes. Bundling motorcycle coverage with auto, home, or renters insurance can reduce overall costs and simplify billing.

Let's Talk

Get the Right Motorcycle Coverage Before Your Next Ride

Motorcycle insurance should feel simple and dependable. Get a quote and clear guidance from The Bill Yon Agency—serving Hendersonville, Nashville, Goodlettsville and more!