The Best Cheap Motorcycle Insurance in Utah
Progressive has the best cheap motorcycle insurance in Utah, at $18 per month for full coverage.
Compare Motorcycle Insurance Quotes in Utah
To help you find the best cheap motorcycle insurance in Utah, ValuePenguin compared quotes from seven top companies across 32 of the largest cities in Utah.
Average rates are for a full-coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage.
Motorcycle ratings are based on each company's customer service, coverage options, and affordability. Full methodology.
Cheapest motorcycle insurance in Utah
Progressive has the cheapest motorcycle insurance in Utah. Policies cost an average of $18 per month for full coverage. That's 57% cheaper than the state average.
Compare Motorcycle Insurance Quotes in Utah
The average cost of motorcycle insurance in Utah is $43 per month, or $510 per year.
Cheapest motorcycle insurance companies in Utah
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $18 | |
| Dairyland | $19 | |
| Harley-Davidson | $27 | |
| Markel | $33 | |
| Allstate | $48 | |
Best motorcycle insurance in Utah for most people: Progressive
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Editor rating
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Monthly rate
$18 ?
Pros and cons
Progressive has the cheapest motorcycle insurance in Utah and high customer service ratings, making it the best choice for most people.
Progressive motorcycle insurance costs an average of $18 per month in Utah. That's $24 per month cheaper than the overall state average.
Motorcycle insurance from Progressive automatically includes extra coverage. A full-coverage policy will pay to replace parts that are damaged with newer parts. Most other companies will only cover parts after considering wear and tear, and they'll make you pay extra for this.
Progressive receives 35% fewer complaints than an average insurance company of its size, which is part of why it's among the best motorcycle insurance companies in the country.
One downside of Progressive is that you can't add-on coverage to pay for a rental vehicle if your bike is in the shop after an accident. So if your motorcycle is your only transportation, you might need to pay to rent a car while your motorcycle is being repaired.
Best for daily riders: Dairyland
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Editor rating
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Monthly rate
$19 ?
Pros and cons
Dairyland has the best motorcycle insurance if you use your bike as your primary vehicle.
Dairyland lets you add on coverage to help you get around after an accident and get back on the road if you break down.
- Rental reimbursement helps pay for you to rent a vehicle while your motorcycle is being fixed after an accident or claim.
- Roadside assistance gives you 24/7 towing as well as service for flat tires, battery issues or mechanical problems.
You'll have to pay more to add these options to your policy. But Dairyland's cheap rates mean it's still a good deal.
Dairyland motorcycle insurance costs an average of $19 per month in Utah. That's less than half the state average and nearly as cheap as Progressive, which costs an average of $18 per month.
The biggest downside of Dairyland motorcycle insurance is that it gets more customer complaints than is typical. This means it could be frustrating to deal with customer service or it could take longer for your bike to be repaired after an accident.
And while Dairyland does offer many types of policies, other companies in Utah typically have better options for car insurance or home insurance.
Best for motorcycle insurance discounts: Harley-Davidson Insurance
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Editor rating
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Monthly rate
$27 ?
Pros and cons
Harley-Davidson has the best discounts for motorcycle insurance in Utah.
You don't need to have a Harley to get motorcycle insurance from Harley-Davidson.
Harley-Davidson motorcycle insurance costs an average of $27 per month in Utah. That makes it one of the cheaper options in the state, 37% less than average.
If you qualify for discounts, Harley-Davidson insurance can be an even better deal. Harley insurance has one of the largest discount programs, giving you many ways to lower your rates.
Harley-Davidson motorcycle insurance discounts
- Paying on time
- No insurance claims
- Insuring multiple motorcycles
- Homeowner
- Military or law enforcement background
- New bikes or anti-theft devices
- Member of the Harley Owners Group (HOG)
- Attending the Harley riding academy
Harley-Davidson insurance also has high customer satisfaction. This can help make it an easier process if you're in an accident or need to file a claim.
However, Harley only insures motorcycles and scooters. You'll need to use another company to insure your car or home which can mean extra paperwork and remembering more renewal notices.
Motorcycle insurance rates by Utah city
The average cost of motorcycle insurance in Utah's larger cities is cheapest in the surrounding areas of Salt Lake city such as Park City, Midvale, Sandy, and Brigham City. Here, rates average $41 per month for a full-coverage policy.
Motorcycle insurance is most expensive in Ogden and Provo, where rates average $45 per month.
Motorcycle rates in Utah vary by only a few dollars per month based on where you live.
City | Monthly cost | % from average |
|---|---|---|
| Bountiful | $44 | 3% |
| Brigham City | $41 | -3% |
| Clearfield | $43 | 1% |
| Draper | $41 | -3% |
| Heber City | $41 | -3% |
Insurance companies use where you live to predict how likely it is for you to file a claim. For example, you could pay more for insurance in areas where accidents happen more often or in cities with higher rates of crime or weather damage.
Utah motorcycle insurance requirements
Utah requires 25/65/15 motorcycle insurance coverage. That means a policy in Utah must cover $25,000 per person in bodily injury liability, $65,000 per accident in bodily injury liability, and $15,000 in property damage.
Coverage | Minimum amount |
|---|---|
| Bodily injury: per person | $25,000 |
| Bodily injury: per accident | $65,000 |
| Property damage | $15,000 |
You don't need to get Personal Injury Protection (PIP) on your motorcycle insurance policy in Utah. But it is required for car insurance in the state.
If you choose to add PIP to a motorcycle insurance policy in Utah, it won't cover the rider's medical needs. It will only cover injuries to passengers, pedestrians or bicyclists. This is different from car insurance policies in Utah.
How do you get a motorcycle license in Utah?
You can get a motorcycle license in Utah by either taking a basic rider course or getting a learner’s permit.
Motorcycle licenses in Utah are added to a standard driver's license as what's called an endorsement. Anyone who has a driver's license can apply. This means you must be at least 16 to ride a motorcycle.
Two ways to get a motorcycle endorsement on your license:
- Go to the driver’s license office to pass a 25-question written test, complete a vision test and medical form, and pay a fee to get a motorcycle learner's permit which will be valid for up to six months. Then, you'll have to take a motorcycle skills riding test to get the motorcycle endorsement on your license.
- Complete a Basic Rider Course that's approved by the Motorcycle Safety Foundation. This will waive the test of your riding skills. Bring your course completion card to the driver’s license office where you'll take the written test and vision exam.
The motorcycle you ride during your skills test will determine the power of the motorcycles that you're licensed to drive. For example, if you take your test with a typical street bike, you could be licensed to ride bikes with engines that are 649 cc or less.
Frequently asked questions
How much is motorcycle insurance in Utah?
It costs an average of $43 per month to get full-coverage motorcycle insurance in Utah. That gives you coverage for both your bike and any injuries and damages you cause. The cheapest motorcycle insurance in Utah is from Progressive which costs an average of $18 per month for the same amount of coverage.
What is the new motorcycle law in Utah?
Motorcycle riders can now pass stopped traffic by riding between two lanes going in the same direction, under a new Utah law called lane filtering (which is sometimes called lane splitting). That means when traffic is stopped at a red light, motorcycles can bypass cars. This helps congestion and may reduce the chance of motorcyclists being hit from behind by another vehicle. Since the law was passed in 2019, motorcycle insurance rates have decreased to average $43 per month.
Are motorcycles hard to insure in Utah?
No, motorcycle insurance in Utah costs about a quarter of the average rates to insure a car, making it very affordable. There are several companies offering high-quality and cheap coverage. Progressive has the best cheap motorcycle insurance in Utah at just $18 per month.
Compare motorcycle insurance in Utah vs other states
Methodology
To find the best cheap motorcycle insurance in Utah, ValuePenguin averaged more than 200 insurance quotes from across the state.
Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel which is a middleweight cruiser. Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
ValuePenguin's editor's ratings of motorcycle insurance companies are based on customer service reviews, coverage availability and the overall quality a company provides its riders. Data sources include AM Best and the National Association of Insurance Commissioners (NAIC) Complaint Index.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.