Free quotes from 150+ carriers in seconds
Key Takeaways
- You must obtain insurance if you intend to pay for your motorcycle in Utah. You must also present proof of insurance to register your bicycle.
- Depending on where you live in Utah, motorcycle insurance costs change.
- For example, graduates of training courses like the MSF rider course frequently qualify for reductions of 10% to 15% on motorcycle insurance.
What is Motorcycle Insurance & What does it Cover
Damages to the motorcycle as well as other injuries or damages, are covered by motorcycle insurance. In other words, any motorbike insurance includes collision, comprehensive, and liability coverage. Other coverages may also be taken into account when purchasing motorcycle insurance.
For instance, you might think about purchasing trip interruption insurance or guest passenger liability coverage if you own a motorcycle.
Basic motorcycle insurance coverages in Utah
In Utah, you must get motorbike insurance to pay for it. To register your bike, you must also provide proof of insurance. You must know the minimum insurance requirements before purchasing a policy because they differ between states.
In Utah, the following are the minimal requirements for motorbike insurance:
- $25,000 per person in liability for injuries
- $65,000 per accident for liability for injuries
- $15,000 of property liability
- $3,000 for personal injury insurance (PIP)
Cheapest motorcycle insurance companies in Utah
| Insurance Company | Average Annual Insurance Rate |
|---|---|
| Progressive | $600 |
| Markel | $652 |
| Dairyland | $812 |
| Average | $844 |
| Allstate | $935 |
| Nationwide | $963 |
Most riders should look at Progressive, our top pick for motorcycle insurance in Utah. Progressive's rates were the lowest we found among companies reviewed in the state, and its wide breadth of coverage options and well-regarded customer service make it an appealing choice.
Average cost by City
The cost of motorbike insurance in Utah varies depending on where you live. Between the highest and least expensive cities in Utah for motorbike insurance, we discovered a difference of around $100. Here is a cost breakdown for the state's biggest cities.
| City | Average Annual Premium |
|---|---|
| Bountiful | $906 |
| Brigham City | $849 |
| Clearfield | $882 |
| Draper | $813 |
| Heber City | $813 |
| Kanab | $821 |
| Kaysville | $883 |
| Kearns | $877 |
| Layton | $882 |
| Lehi | $844 |
| Logan | $849 |
| Midvale | $813 |
| Moab | $813 |
| Nephi | $813 |
| Ogden | $862 |
| Orem | $868 |
| Park City | $813 |
| Price | $813 |
| Provo | $853 |
| Richfield | $849 |
| Riverton | $813 |
| Roosevelt | $813 |
| Roy | $849 |
| Saint George | $813 |
| Salt Lake City | $900 |
| Sandy | $813 |
| South Jordan | $813 |
| Spanish Fork | $852 |
| Springville | $844 |
| Syracuse | $882 |
| Tooele | $813 |
| West Jordan | $877 |
Factors that Affect the Cost of Motorcycle Insurance
Our evaluation of motorcycle insurance providers depends on three primary criteria. One of the top insurers you may choose from will be a business that excels in these areas.
- Affordability: Is the insurance company's coverage rate reasonable, especially compared to competing insurers?
- Options for coverage: Does the insurance offer the choices you require to be sufficiently protected when riding?
- Customer service: Does the insurer have well-regarded customer service? If you make a claim, are you likely satisfied with the service you receive?
How To Lower Motorcycle Insurance?
The price of your motorbike insurance can vary depending on various factors. Age, driving history, place of residence, model of motorcycle owned, completion of a rider-training course, and many more characteristics are among them.
- Graduates of training programs like the Motorcycle Safety Foundation (MSF) rider course are often eligible for discounts of between 10% and 15% on motorcycle insurance. By taking this course, riders under 25, who are at higher risk, may experience some discounts. For bikers who have already been in accidents, it's also a smart idea.
- Keeping a clean driving record will also help you save money on your insurance.
- Riders can save money in many northern states by purchasing a "lay-up" coverage. Under lay-up insurance, all coverage except comprehensive discontinues during winter months.
- Find out what discounts your insurance representative offers. A few options include mature rider discounts for experienced riders, multiple discounts for those insuring more than one bike, and organization savings if you belong to a motorcycle association. Depending on the business and your state, discounts can range from 10% to 20%. Availability and discount criteria vary from company to firm and state to state.
Remember that your premium amount may also affect the kind, age, and style (e.g., sports bike vs. a cruiser) of your motorbike, how many miles you ride each year, and where you store it.
Utah Motorcycle insurance laws
But, it's crucial to comprehend motorcycle operation regulations before you decide to take to the open road.
Lane Filtering: Lane filtering has many advantages for drivers on the road, such as reducing traffic congestion at busy traffic lights and preventing collisions. It's significant to note that the Utah Department of Public Safety advises against lane filtering for experienced motorcyclists.
Adherence to protective measures: Riders and passengers under 21 must wear helmets in Utah and eye protection. Wearing one, though, might just save your life. Studies show that wearing a helmet reduces the risk of death from a motorcycle accident by 37% and the likelihood of brain injuries by nearly 70%.
To encourage riders to wear helmets, Utah courts will waive $8 of the fine for any moving traffic offense if the offender is 21 years of age or older at the time of operation and donning approved protective headgear.
Motorcycle Endorsements: To be allowed to ride a motorcycle, you must have a Utah license. This license adds a motorbike endorsement to an active state driver's license. Applicants must be at least 16 years old for a DMV motorbike license. By paying a fee and completing a written test, you can apply for a temporary learner permit.
Do you need a motorcycle license in Utah?
In Utah, you must get motorcycle insurance that includes liability coverage if you possess a motorcycle.
If you cause an accident while riding your motorcycle, motorcycle liability insurance is intended to cover any property damage or injuries you may cause to others.
By Utah state law, you need to have 25/65/15 coverage.
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
How much is motorcycle insurance in Utah?
Motorcycle riders typically spend $388 for full coverage and $131 for annual liability-only insurance.
Are motorcycles required to have insurance in Utah?
You must have motorcycle insurance to register your bike and provide proof of coverage. Riding without insurance can have many consequences, including fines and license suspension.
How much does motorcycle registration cost in Utah?
Residents of Utah should be ready to pay the following taxes and registration fees: $46 for motorcycles.
Learn more by city and state for car insurance
Learn more by city and state for car insurance
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
Get the App:
Find the best Auto insurance rates on-the-go
For the best user experience, please download our Way app.
or
