Average Motorcycle Insurance in Utah

On average, Utah motorcyclists pay an average of $65 a month or $795 a year for their motorcycle coverage. This can change depending on your:

  • Insurance provider
  • Driving history
  • Credit score
  • Age and sex
  • Motorcycle type
  • Coverage needed and required

In the state of Utah, motorcyclists are required by law to have insurance. Drivers must take financial responsibility for all damages they cause. Your insurance will help pay to cover those damages. Drivers without liability insurance risk facing serious fines and penalties. Drivers could even end up in millions of dollars worth of debt, or face jail time on negligence charges. Utah requires drivers have a minimum coverage of:

  • $25,000 bodily injury per person
  • $65,000 per person per accident 
  • $15,000 property damage

It’s not recommended that drivers only get the minimum coverage. It’s proven that motorcyclists are more likely to not only get into an accident, but become seriously injured in one as well.

Let’s say you do get into an accident which seriously injures yourself, and affects your ability to work. Your insurance will need to cover all medical bills along with future lost wages, damaged property, along with several other damages.

What Should Your Insurance Cover?

Your insurance must also cover any injuries to yourself, other people, and the cost to repair your motorcycle. If you have a vintage or special edition motorcycle, you may want more coverage.

You should discuss with your insurance provider what coverage is best for you. If you use your motorcycle as a commuter, you’ll want more coverage. If you only use it for the occasional weekend cruise, you might not need as much coverage.   

Your basic motorcycle insurance should cover: 

  • General liability
  • Guest passenger liability
  • Motorcycle collision 
  • Comprehensive coverage
  • Customized motorcycle parts
  • Uninsured/Underinsured motorist coverage

Motorcyclists are over 5 times more likely to become involved in a fatal accident, or become seriously injured in one.  

When selecting even basic coverage, you should always make sure your policy covers:

  • Collision coverage
  • Comprehensive coverage
  • Uninsured coverage
  • Underinsured coverage

Some Things That Affect Your Insurance

Quotes can vary from person to person. The important thing to remember with motorcycle insurance is that who you are as an individual can affect your premium. The best way to save money on motorcycle insurance is to be a safe motorist and driver.

In the Beehive state, roughly 80 percent of the population lives in Salt Lake city. This means that if you live in a more populated area like Salt Lake City, you may end up paying more in insurance.

Cheapest Way To Get Motorcycle Insurance

There are lots of ways you can save money on motorcycle insurance. Here are the 5 cheapest motorcycle insurance providers in Utah.


Similarly to the car you drive, the type of motorcycle you have can also affect your premium. Be sure to shop around and get quotes not just from different insurance providers, but also what it costs to insure different motorcycles. Here are some cheap and popular motorcycles to insure:

  • Suzuki GSX-R600
  • Honda CBR650F
  • Suzuki SV650
  • KTM Duke
  • Most Kawasaki motorcycles

Want to get the most competitive rates for your motorcycle insurance? Call one of our partners to learn more about motorcycle insurance in Utah. 

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