Motorcycle Insurance in Utah: The Cheapest Quotes and Best Companies
Having motorcycle insurance doesn’t just protect your bike from damages. It also ensures that you have protection in an accident. With Utah having several insurers, it’s best to compare motorcycle insurance quotes in Utah before deciding which one to purchase. MoneyGeek compared several quotes based on different coverages and driver profiles to determine which carrier provides the cheapest motorcycle insurance in Utah. We also used an internal rating system to help you figure out where to get the best motorcycle insurance in Utah.
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By Mark Fitzpatrick
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Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
MF
By Mark Fitzpatrick
MF
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Updated: August 22, 2024
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:
In comparison, the most expensive policy with a similar coverage comes from GEICO, which costs $198, making Markel’s rate 74.7% cheaper.
Annual PremiumGetting 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:
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.
Annual PremiumInsurance 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).
National Average Delta vs National AverageEnsure you're getting the best rate for your motorcycle insurance. Compare quotes from the top insurance companies.
Why do we need ZIP code?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:
Expand All Rankings + Progressive Geek Quick TakePros
Cons
The top motorcycle insurance company in Utah is Progressive, scoring a 94.35 out of 100 in MoneyGeek’s unique rating system. It scores highest on affordability with liability-only motorcycle insurance priced at $75 per 12-month cycle. A full-coverage policy for motorcycle insurance costs $239 per year.
Progressive’s policy offers a long list of additional coverages that make it stand out from the other insurance providers in Utah, such as its Enhanced Injury Protection. If you are unable to work and unable to earn because of an injury sustained from a covered accident, Progressive pays $250 a week for as long as two consecutive years. If an accident results in a fatality, beneficiaries receive $25,000, making the policy similar to life insurance. They also give several discounts to Utah riders. For example, progressive offers discounts for homeowners as long as you own your home, even if insured by a different carrier. It also offers discounts if you pay on time.
