Utah Motorcycle Insurance

Experts break down motorcycle insurance costs, coverages, companies, and more.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.


It’s easy to find great roads for riding in the Beehive State. From the Devil’s Backbone in the Grand Staircase Escalante to Highway 9 through the Zion National Park, the winding roads and scenic views are hard to beat. That may explain why there are more than 84,000 motorcycles registered in Utah.

Before you can legally take your bike out on the open road, you will need to purchase insurance. Local independent agents can work with some of the best motorcycle insurance companies in Utah to help you find the best and most affordable coverage. Find an independent insurance agent near you to get started.

How Much Does Motorcycle Insurance Cost in Utah?

The average cost of motorcycle insurance in Utah is $794 a year. 

Rates are calculated individually, so this average can only give you a general idea of what you might be expected to pay. Here are things that can influence the cost of your insurance:

  • The value, make, model, and year of the bike(s) you are insuring
  • Your age, gender, occupation, and years of riding experience
  • Your history of traffic citations and insurance claims
  • The estimated number of miles you ride each year
  • Whether you own or rent your home
  • The size of your deductible

By contacting a few competing insurance providers to request customized quotes, you can be certain that the policy you choose is offered at a reasonable price. Independent agents make comparison shopping easy.

Is Motorcycle Insurance Required in Utah?

If you own a motorcycle in Utah, you are required to cover it with a motorcycle insurance policy that includes liability coverage.

Motorcycle liability insurance is designed to pay for any property damage or injuries you may cause to others if you are responsible for an accident while on your bike.

Utah state law mandates that you must have 25/65/15 coverage. This means that your policy must meet or exceed the following coverage amounts:

  • Bodily injury liability coverage
    • $25,000 per person
    • $65,000 per accident
  • Property damage liability coverage
    • $15,000 per accident

All other coverage you may want to include in your motorcycle insurance policy is optional.


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What Else Can Utah Motorcycle Insurance Cover?

In addition to the mandatory liability coverage mentioned above, most insurance companies will offer a menu of optional coverage choices, such as the following:

  • Full coverage: This can provide compensation if your motorcycle is lost, damaged, or totaled. It may be required by your lender if you are still paying for your bike. Full coverage includes:
    • Collision coverage: This can cover the cost to repair or replace your motorcycle if it is damaged in a collision, regardless of fault. 
    • Comprehensive coverage: This can cover the cost to repair or replace your motorcycle if it is damaged in a non-collision event like a windstorm or flood.
  • Custom parts and equipment coverage: This increases the assessed value of your bike by including the value of any customized accessories or equipment you have added to it. If your bike is totaled in a covered event, you can be compensated for the extra money you have put into it.
  • Medical payments coverage: This can pay a portion of your medical bills if you or your passenger require medical treatments after being injured in an accident, regardless of fault.
  • Uninsured motorist coverage: This can cover damage to your bike as well as the cost of treating your injuries if you are hit by an uninsured driver while on your motorcycle. This saves you from the need for you to go through lengthy legal channels to get the compensation owed to you.
  • Gap insurance: This can bridge the gap between what your bike is worth and what you still owe for it if it is totaled in a covered event. This can be beneficial during the first year or two of new bike ownership.
  • Towing and roadside assistance coverage: This can cover the cost of necessary assistance if your motorcycle becomes inoperable while you are out on the road.

Be sure to review the details and costs of each of your various options. That way, you can make an informed decision about which are a good fit for you.

Are There Any Motorcycle Insurance Discounts Available in Utah?

Many motorcyclists in Utah are eligible for various motorcycle insurance discounts offered by insurance companies. You may be entitled to lower rates for a number of reasons, such as:

A good insurance agent, who has your best interests at heart, will ensure that your policy includes all available discounts for which you qualify.

How Can an Independent Agent in Utah Help Me Find the Best Policy?

Local independent agents are available to help you with all of your insurance coverage needs. These agents work for you, not for a particular insurance provider. This enables them to shop around as they search for a policy that provides all the coverage you want at the most competitive price.

When you are ready to start comparing customized quotes from some of the best motorcycle insurance companies in Utah, arrange an obligation-free consultation with an independent insurance agent near you.

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