Motorcycle Insurance · Utah

Motorcycle Insurance in Utah

Utah average: $46/month · State minimum: 25/65/15 · Updated September 2026

Compare motorcycle insurance quotes from 50+ carriers across all Utah cities. Rates vary significantly by city — use the city finder below to see your local average.

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$46
UT Avg/Month
-23%
vs National Avg
25/65/15
State Minimum
No-Fault
Fault System

Utah Motorcycle Insurance Laws & Requirements

Utah requires all motorcycle insurance policyholders to meet minimum coverage standards set by the Utah Department of Insurance. Here's what you need to know before buying a policy in Utah.

Minimum Required Coverage
25/65/15
Bodily injury / accident / property damage
Fault System
No-Fault (PIP) State
Your own policy covers your medical bills first
Top Carriers in Utah
State Farm, GEICO
Plus 50+ additional carriers available
Expert Recommendation
100/300/100 or higher
Provides real protection beyond state minimums

Motorcycle Insurance Rates by City in Utah

Rates vary significantly across Utah cities. Urban markets like Salt Lake City tend to have higher rates due to traffic density and claim frequency, while smaller cities often offer more affordable premiums. Click any city to see a full rate breakdown and carrier comparison.

Salt Lake City
$56/mo
+22% vs state avg
Salt Lake County
West Valley City
$55/mo
+18% vs state avg
Salt Lake County
Provo
$48/mo
+4% vs state avg
Utah County
West Jordan
$50/mo
+8% vs state avg
Salt Lake County
Orem
$47/mo
+2% vs state avg
Utah County
Sandy
$48/mo
+4% vs state avg
Salt Lake County
Ogden
$52/mo
+12% vs state avg
Weber County
St. George
$44/mo
-4% vs state avg
Washington County
Layton
$48/mo
+4% vs state avg
Davis County

How to Save on Motorcycle Insurance in Utah

Utah drivers have several reliable ways to reduce their motorcycle insurance costs without sacrificing meaningful coverage.

✓
Compare multiple carriers
The spread between the highest and lowest quote in Utah is often 40-60%. Getting quotes from State Farm, GEICO, Progressive, and others simultaneously is the single highest-impact action you can take.
✓
Bundle your policies
Bundling motorcycle insurance with another policy (typically auto + home) saves most Utah residents 10-25% with the same carrier. This is a pre-approved discount with no strings attached.
✓
Raise your deductible
Moving from a $250 deductible to $1,000 can reduce your premium by 15-25% in Utah. This works best if you have an emergency fund to cover the higher out-of-pocket cost.
✓
Ask about discounts
Utah carriers offer discounts for: safe driving, low mileage, paperless billing, automatic payment, loyalty, and completing approved safety courses. Ask for a full discount audit when you quote.
✓
Maintain a clean record
A single at-fault accident can increase your Utah premium by 30-50% for 3-5 years. Safe driving is the most powerful long-term cost control strategy.
✓
Review annually
Utah insurance rates change every year. Set a reminder to re-shop your policy at renewal. Loyalty doesn't always mean the best rate — your current carrier may not be the cheapest option next year.

Best Motorcycle Insurance Companies in Utah

Top-rated carriers actively writing motorcycle insurance policies in Utah:

1
State Farm
2
GEICO
3
Progressive
4
Allstate
5
Farmers

Other Insurance in Utah

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