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.

Insurer	Average annual rate for full coverage
Dairyland	$800
Nationwide	$950
GEICO	$780
Progressive	$590
Markel	$640

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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 $1,539 per year 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:

$25,000 of

bodily injury liability insurance

per person

$65,000 of bodily injury liability insurance per accident

$15,000 of

property damage liability insurance

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

comprehensive

and

collision coverage

—which usually constitute “full coverage”—if you can afford them.

For even more robust protection, consider additional coverage types, such as:

Medical payments (MedPay)

coverage

Roadside assistance or

towing and labor coverage

Carried contents and personal belongings coverage

Custom parts and equipment (CPE) coverage

to protect your modifications

Total loss coverage

Uninsured motorist coverage

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.

MORE:

How to get motorcycle insurance without a license

"I moved states recently and my old provider didn’t cover me anymore, so I tried using
Jerry
. They handled everything from fetching the quotes to purchasing the new policy. Now I save $30 a month with Progressive!” —Kay J.

Methodology

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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