Utah motorcycle insurance

What are the minimum requirements for motorcycle insurance in Utah?

Utah motorcycle law requires all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and property damage you cause to others while riding, up to your policy's limits. Property damage liability coverage, however, doesn't cover your own bike. You can increase the amount of liability coverage, if necessary, to more fully protect your assets.

Utah also mandates uninsured/underinsured motorist bodily injury coverage, but you may reject or lower these coverages by submitting a signed form if you choose not to carry them.

Do you need comprehensive and collision coverage?

Unless you're taking out a loan or lease for your motorcycle, comprehensive motorcycle coverage and collision motorcycle coverage are optional. But we know many motorcycle owners are dedicated to protecting their bike, and they may want to safeguard it against physical damage. Comprehensive coverage may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Utah?

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. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Utah?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Salt Lake City, Provo, West Jordan, or anywhere else in Utah, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Utah for bikers without sacrificing the crucial protection that you count on for peace of mind.

You can decrease the cost of motorcycle insurance in Utah with motorcycle insurance discounts, such as:

• Multi-policy discount
• Motorcycle license/endorsement discount
• Responsible driver discount
• Safe and steady rider discount
• Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Utah

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• 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
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Utah

1. Utah motorcycle law requires operators and passengers under the age of 21 to wear a helmet while riding.
2. The Utah state legislature passed a law in 2019 legalizing lane filtering, but only under certain circumstances, such as only on roads with speed limits 45 miles per hour or less.
3. The state of Utah requires a motorcycle license with an endorsement for operating a motorcycle to legally ride.
4. Utah is home to Arches National Park and Zion National Park, which include many scenic motorcycle rides.

Get Utah motorcycle insurance