Motorcycle Insurance Utah: Quotes, Costs, and Best Companies

If you're a motorcycle enthusiast living in Utah, you know how important it is to have the right insurance coverage. In Utah, motorcycle insurance is mandatory, and you can expect to pay around $150 to $300 per year for basic coverage.

The cost of motorcycle insurance in Utah can vary depending on several factors, including your age, driving history, and the type of bike you own. For example, if you're a young rider, you can expect to pay more for insurance than an older rider.

Utah law requires motorcycle riders to have a minimum of $25,000 in bodily injury liability coverage per person and $65,000 per accident. This is a standard requirement for all motorcycle owners in the state.

In Utah, motorcycle insurance is not always required by law, but it's still a good idea to have some coverage.

Unless you're taking out a loan or lease for your motorcycle, comprehensive and collision coverage are optional.

Comprehensive coverage can be a good choice if you want to protect your bike against physical damage from events out of your control, such as theft, vandalism, or hitting an animal.

Collision coverage can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

It's worth noting that if you're financing your motorcycle, you may be required to have some level of insurance coverage.

In Utah, the average annual cost of motorcycle insurance is around $376 for full-coverage policies and $119 for liability-only policies.

Full-coverage insurance in Utah costs $13 more per year compared to the national average, while liability-only policies are $22 cheaper. This difference highlights the importance of shopping around for the best rate.

To give you a better idea of the costs, here's a breakdown of the average annual costs for motorcycle insurance in Utah:

The cost of motorcycle insurance in Utah can be a bit of a mystery, but don't worry, we've got the facts to help you out.

In 2023, the annual cost for a Progressive motorcycle insurance policy in Utah with liability coverage only was $176.49. Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection.

Full-coverage insurance in Utah costs, on average, $376 for a 12-month period or around $31 a month. This is $13 per year more expensive than the national average.

For Liability-only policies, coverage for a 12-month period costs $119 or approximately $10 a month. This is $22 per year cheaper than the national average.

Here's a breakdown of the average costs in Utah compared to the national average:

You're looking for the best motorcycle insurance company, and it seems a lot of people have made the same choice. 1 in 3 insured riders choose Progressive.

Progressive didn't become the #1 motorcycle insurance company by offering just the basics. They dig deeper to offer a wide range of discounts and coverages for affordable and personalized protection.

You can quote and buy motorcycle insurance online in minutes, which is incredibly convenient.

One in three insured motorcycle riders in Utah choose Progressive for their motorcycle insurance. This is likely due to the company's dependable and personalized coverage at an affordable cost.

Progressive offers cheap motorcycle insurance in Utah without sacrificing crucial protection. This is a win-win for bikers who want peace of mind on the road.

To decrease the cost of motorcycle insurance in Utah, riders can take advantage of various discounts. Here are some of the discounts offered by Progressive:

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, has analyzed the insurance market in Utah and found that Progressive is the best motorcycle insurance provider. He's been quoted in several insurance-related publications, including CNBC, NBC News, and Mashable.

If you're looking to add extra protection to your motorcycle insurance in Utah, you've got several options to consider.

Motorcycle accessory coverage can pay for damage to the upgrades you've made to your bike and equipment.

Total loss coverage may pay for the full value of your bike in the event of a total loss, but it's only available for bikes no more than one model year old on a new policy.

You can also add medical payments coverage, which can pay for injuries you or your passenger suffer, regardless of fault.

To help replace personal effects you're carrying when a covered loss occurs, including theft, consider carried contents and personal belongings coverage.

Enhanced injury protection may pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash.

Lastly, roadside assistance can cover the cost of towing your bike to the nearest repair shop.

Utah motorcycle law requires operators and passengers under the age of 21 to wear a helmet while riding.

If you're planning a motorcycle trip to Utah, you'll want to know that the state legislature passed a law in 2019 legalizing lane filtering, but only on roads with speed limits 45 miles per hour or less.

To ride a motorcycle in Utah, you'll need a motorcycle license with an endorsement for operating a motorcycle.

If you're looking for some scenic motorcycle rides, Utah is home to Arches National Park and Zion National Park, which offer many stunning routes to explore.

To get a motorcycle insurance quote in Utah, you'll need to provide some basic information. This includes the year, make, and model of your bike.

You'll also need to share your age and the ages of anyone else who will be driving it. Your driving experience is also important to consider.

Your address in Utah where you keep the bike is another crucial detail. This information will help insurers tailor their quotes to your specific situation.

To get started, you can enter your zip code to compare rates from competing insurers online. This will give you a better idea of the costs involved.

Here are the types of information you'll typically need to provide to get a motorcycle insurance quote in Utah:

If you're looking for the cheapest motorcycle insurance in Utah, a liability-only policy might seem like the way to go. It's the most affordable option, costing as little as $50 per year with Markel.

However, a liability-only policy only protects you from damages you cause to others, not your own bike. For a good rider, full coverage is a better choice, offering additional protection like collision and comprehensive insurance.

The cheapest full coverage insurance in Utah can be found with Dairyland, with an annual premium of $209 per year. This is significantly cheaper than Nationwide, which offers the most expensive comprehensive insurance at $781 per year.

Here are the cheapest options for liability-only and full coverage motorcycle insurance in Utah:

Keep in mind that even with the cheapest options, full coverage insurance is often required by banks if you're taking out a loan to purchase a motorcycle. This protects their investment and can also provide you with peace of mind.