Utah Motorcycle Insurance: Costs, Laws, and Quotes

Shopping for motorcycle insurance in Utah? Here’s what you should know.
Written by Melanie Krieps Mergen
Reviewed by Bellina Gaskey
Motorcycle insurance
in Utah costs roughly $800 per month on average. That’s quite a bit higher than the national average (around $519). 
  • Motorcyclists are required to carry certain amounts of
    liability coverage
    to hit the road in Utah.
  • Progressive offers some of the lowest rates for motorcycle coverage in Utah.
  • To find the best insurance rate for the best coverage, make sure to compare quotes from multiple providers and take advantage of available discounts.

How to find cheap motorcycle insurance quotes in Utah

The best way to save on motorcycle insurance is to compare multiple quotes from multiple providers. Contact 3-5 companies or use a comparison shopping app to see which company will score you the best bang for your buck.

Average cost of motorcycle insurance in Utah

In Utah, motorcycle insurance costs roughly $800 per year on average, or about $67 per month. That’s quite a bit higher than the national average of roughly $519 per year.

Cheapest companies for full coverage Utah motorcycle insurance 

Here’s a look at a handful of providers who offer some of the cheapest average rates for motorcycle insurance coverage in Utah. 
The rates shown here are based on a high level of coverage, including high liability limits, collision coverage, and comprehensive coverage. 
Average annual rate for full coverage
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Keep in mind that a variety of factors will influence your motorcycle insurance costs, like the type of bike you ride, any special equipment or modifications it has, your ZIP code, your driving record, and your age.

Are motorcycles cheaper to insure than cars?

Motorcycles are typically cheaper to insure
than your typical passenger vehicle, but this will vary depending on your driving record and coverage needs.
For comparison, the
average cost of car insurance in Utah
is about $2,000 for minimum liability insurance.

Utah motorcycle insurance coverage requirements

As is the case in most states, you’ll need a minimum amount of motorcycle insurance before you can take to the open road. Utah’s minimum requirements include:
These will help you satisfy Utah’s minimum requirements, but they won’t cover any damage to you or your bike.

What should a basic motorcycle insurance policy cover?

The liability insurance minimums listed above are all that’s legally required in Utah, but more serious accidents can easily exceed them. You’ll want to select higher liability limits if you can.
And since liability insurance doesn’t pay for damage to your bike, you’ll want to add
collision coverage
—which usually constitute “full coverage”—if you can afford them.
For even more robust protection, consider additional coverage types, such as:
The more coverage you add, the higher you can expect your insurance rate to be. But it’s better to opt for more coverage and have better protection in case of a major accident. 

The best companies for Utah motorcycle insurance

Ready to seek out some insurance quotes, but not sure where to start? Here are some providers worth considering based on the type of rider you are.

1. Best for enthusiasts: Markel 

The good: Lower rates, tons of safety discounts
AM Best rating: A
BBB rating: A-
Jerry’s rating: 91/100
Markel’s motorcycle insurance rates tend to be on the cheaper end in Utah—and they might be especially appealing to motorcycle enthusiasts since motorcycle insurance is one of their primary specialties.
They offer a range of rider-specific discounts and coverages like trailer, rental reimbursement, mechanical breakdown, and accessory coverage. 
You may be able to save on insurance with Markel by taking an approved safety course for a policy discount. You cannot bundle Markel motorcycle insurance with home insurance, however.

2. Best for cheapest rates: Progressive

The good: Overall low rates, wide coverage options
AM Best rating: A+
BBB rating: A+ 
Jerry’s rating: 84/100
Not only does Progressive give some of the most affordable motorcycle insurance rates in Utah, but they also offer a wide variety of coverage options and discounts.
Beyond basic coverage options, Progressive sells total loss coverage, carried contents coverage, enhanced injury protection, and accessories and custom parts (CPE) coverage, among others.
Long story short: if you’re looking for robust coverage on a budget, it’s worth seeking out a quote from Progressive.

3. Best for safety discounts: Nationwide

The good: Tons of coverage options, insures vintage bikes
AM Best rating: A+ (Superior)
BBB rating: A+ 
Jerry’s rating: 85/100
Nationwide offers many standard motorcycle coverage options and allows you to tailor your policy to your specific needs—such as if you have multiple bikes, a customized ride, or a vintage bike.
Nationwide also offers several motorcycle insurance discounts, many of which are safety-related. Taking an approved safety course, using a theft-recovery device on your bike, or having factory-installed anti-lock brakes are all ways you may be able to save.
If you’re a member of a motorcycle club, like the Harley Owners Group, that could get you a discount, or you could save by bundling insurance policies. 

4. Best for high-risk bikers: Dairyland

The good: Solid coverage for high-risk riders, good add-ons
The bad: High rates
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 82/100
Finding affordable insurance can be challenging if you’re a high-risk driver, especially if you’re subject to SR-22 requirements. If this is your situation, it’s worth having Dairyland on your radar.
Dairyland’s average rates are pretty comparable to state averages for motorcycle insurance, and you don’t have to compromise on coverage options. Dairyland offers a range of optional coverage types, including replacement cost coverage, OEM coverage, and more. 
Take a close look at their insurance discounts to find out what you could qualify for—especially if you’re a motorcycle club member or you own a Harley-Davidson.
"I moved states recently and my old provider didn’t cover me anymore, so I tried using
. They handled everything from fetching the quotes to purchasing the new policy. Now I save $30 a month with Progressive!” —Kay J.


In order to rate motorcycle insurance companies in Utah, we collected public data and rated each company on four factors: (1) average cost of insurance, (2) customer satisfaction as measured by the Better Business Bureau (BBB) and NAIC index, (3) coverage options, and (4) financial stability as measured by AM Best. 
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