Motorcycle Insurance in Utah: The Cheapest Quotes and Best Companies

Policy prices for motorcycle insurance in Utah may vary between carriers. A liability-only policy is always attractive because of its affordable price, but it may not be the wisest choice. It protects you from damage you may cause to others while driving, such as bodily injuries and property damage, but does not offer protection against damages to your motorcycle.

Although more expensive, full coverage is better for riders in Utah since it provides additional protection such as collision and comprehensive insurance. Both cover more damages and allow for higher liability limits. For this study, MoneyGeek used the profile of a good rider in Utah with 50/100/25 liability-only coverage.

Comparing several carriers in Utah, MoneyGeek has found that the cheapest liability-only motorcycle insurance on average can be purchased from:

• Markel: $50 per year
• Progressive: $75 per year

In comparison, the most expensive policy with a similar coverage comes from GEICO, which costs $198, making Markel’s rate 74.7% cheaper.

Getting full-coverage insurance provides better coverage than a liability-only policy because, on top of having the same coverages as a liability-only policy, it also protects you against damages to your bike.

For a good rider with a 50/100/25 coverage as well as a $500 deductible for comprehensive and collision coverage, the companies that offer the cheapest rates for comprehensive insurance in Utah are, on average:

• Dairyland: $209 per year
• Progressive: $239 per year

Compared to Nationwide, which offers the most expensive comprehensive insurance of $781 per year, Dairyland’s annual premium is cheaper by 73.2%.

If you’re taking out a loan to purchase a motorcycle, banks will require you to have full-coverage insurance as this protects their investment.

Insurance carriers use several factors to compute the rate of an insurance policy for motorcycles in Utah. Which type of coverage you get is one consideration, but insurers also look at your bike’s make and model and your riding record. Even your age and riding experience affect the premium’s price.

Full-coverage insurance in Utah costs, on average, $376 for a 12-month period or around $31 a month. Compared to the national average of $364, it is $13 per year or 3% more expensive.

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 and cheaper than getting full-coverage insurance. However, remember that it only covers damages you may have caused to others, not to yourself or your bike.

The averages for Utah were based on a policy with coverage limits of $50,000/$100,000 for bodily injury, $25,000 for property damage and a $500 deductible. Also included is the minimum coverage for Personal Injury Protection (PIP).

Using quotes for motorcycle insurance unique to the state, MoneyGeek determined the companies with the best motorcycle insurance in Utah. MoneyGeek’s methodology, detailed at the end of the page, based its ranking on cost, products and services and financial stability. Of the various insurance companies in Utah, Progressive had the highest score.

Based on MoneyGeek’s study, the companies with the best motorcycle insurance in Utah are:

Gathering quotes from several providers of motorcycle insurance in Utah is always a good idea. It allows you to explore the different coverages each has to offer and find one that works best for you. You can get a motorcycle insurance quote in Utah online by providing the following information:

• The year, make and model of your bike
• Your age and the ages of everyone else who will be driving it
• Your driving experience
• Your address in Utah where you keep the bike
• Your preferred coverages (the section below provides more detail about this)

In Utah, motorcycle insurance is required if you’re going to take out a loan to pay for it. You also need to present proof of insurance to be able to register your bike. When securing a policy, you need to know the minimum insurance requirements since these vary across states.

The minimum requirements for motorcycle insurance in Utah are:

• $25,000 per person bodily injury liability
• $65,000 per accident bodily injury liability
• $15,000 property liability
• $3,000 personal injury protection (PIP)

When you look for liability coverage in Utah, you’ll often come across the 25/65/15 figure. This means that for each accident, your motorcycle insurance in Utah should provide coverage up to at least $65,000 in bodily injury liability, with a $25,000 limit per person. It should also provide coverage up to at least $15,000 for property damage.

Among uninsured motorist, underinsured motorist and PIP coverage, Utah law only requires the last coverage for motorcycle insurance. Motorists in Utah should have $3,000 in PIP coverage. Having the other coverages, however, provides you with additional protection against damages not covered by standard bodily injuries and property damage policies.

Before choosing a policy, it’s best to compare motorcycle insurance quotes from several carriers in Utah to find one with coverages that best fit your needs. Here are commonly asked questions about motorcycle insurance in Utah.

Several factors were used in MoneyGeek’s study to determine the best motorcycle insurance company in Utah, such as policy cost (60% weight), product offerings and service (30% weight) and AM Best’s figures for financial stability (10% weight). The most affordable insurance carrier for motorcycle insurance was calculated by comparing quotes based on varying coverage amounts and driver profiles from different carriers. Utah DMV was the source for the most recent license laws and insurance requirements.