The Best Cheap Motorcycle Insurance in Utah

The Best Cheap Motorcycle Insurance in Utah

Motorcycle insurance is mandatory for Utah motorcycle riders, but that doesn't mean you need to break the bank for decent coverage. We examined hundreds of quotes and found the cheapest annual insurance rate among reputable insurers was $588.

Compare Motorcycle Insurance Quotes in Utah

Currently insured?

After researching dozens of insurance companies and policy types, we believe riders should consider more than just the lowest rate when choosing an insurer.

The cheapest motorcycle insurance companies in Utah

Progressive had the most affordable motorcycle insurance rates, with a typical annual price of just $588 per year. That's 29% cheaper than the average rate.

A graph of the lowest motorcycle insurance rates in Utah

Compare Motorcycle Insurance Quotes in Utah

Currently insured?
Average rate
Difference from average
Markel Corporation$640-23%
Dairyland Insurance$800-4%

Best for most people: Progressive

Progressive's coverage, price and discount options make it a great choice for most riders.
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The good:

  • Lots of coverage options
  • Replacement coverage included in default policy
  • Low prices

The bad:

  • No options for rental reimbursement or trailer coverage

Most riders should look at Progressive, our top pick for motorcycle insurance in Utah. Progressive's rates were the lowest we found among companies reviewed in the state, and its wide breadth of coverage options and well-regarded customer service make it an appealing choice.

Progressive was the least expensive insurer we found in Utah, charging an average of $588 per year. That's 29% less than the average cost we found and nearly double the cost of our top pick, Geico.

Progressive also offers a range of discount options, including bundling, taking a safety course and being a member of certain affinity groups, such as the Harley Owners Group (HOG).

However, the lower price doesn't limit flexibility when it comes to your policy. We found Progressive has the most varied package of insurance coverage options among insurers we considered. In addition to common coverage options like roadside assistance and accessories, Progressive has options like carried contents coverage and OEM parts coverage.

And newly purchased motorcycles will qualify for total loss replacement coverage if the bike is totaled or stolen during the first two years you own it — providing peace of mind for those with brand-new bikes.

Progressive also has well-reviewed service in Utah. Its complaint index from the NAIC is 0.82, meaning it has fewer complaints than a typical insurer of the same size. It also has an A+ Financial Strength Rating from AM Best, which means it has "excellent" financial policies in place.

Best customer service: Nationwide

Nationwide has the best customer service of any motorcycle insurer in Utah.
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The good:

  • Strong customer service
  • Good converge options

The bad:

  • Higher than average prices

For motorcycle riders who want the best customer service from a motorcycle insurance company, we recommend Nationwide. Its customer service ratings were the very best we found in Utah, alongside its national reputation for customer satisfaction.

Nationwide got a 0.53 NAIC Complaint Index, meaning it received only about 53% of the complaints as a typical insurance company. This suggests customers are much more likely to be happy with their experience than at many other companies.

Nationwide also has a good set of motorcycle coverage options. Notable perks include coverage for custom equipment and roadside assistance, among others.

It's also a major national insurer that provides life, home and auto insurance, so motorcycle riders who want to cover all aspects of their lives with one company are likely to get what they need from Nationwide.

The main drawback to Nationwide is higher-than-average prices. We found the average price for Nationwide in Utah is $951 per year, 14% more than the state average.

Best for motorcycle only: Markel

Markel has some of the lowest prices we found and coverage focused on motorcycles.
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The good:

  • A strong set of coverages
  • Some of the lowest prices in Utah

The bad:

  • No ability to bundle coverage

Markel offers riders a wide range of motorcycle-specific coverage options, and at an affordable price in Utah. The company specializes in motorcycles and has options like trailer coverage, rental reimbursement and coverage for specific components after a mechanical breakdown.

Markel is the second-cheapest insurer we found in Utah, at $640 per year. That's only $52 more per year than Progressive and 23% cheaper than the state average.

However, if you would like to bundle your coverage, Markel is not for you. As a specialty insurer, it does not sell traditional auto or homeowners insurance, meaning you cannot manage all your insurance on one bill or get a bundling discount.

How we chose the best motorcycle insurers in Utah

When evaluating motorcycle insurance companies, we consider three main factors. A company that does well in all of these areas will be among the best insurers available to you.

  • Affordability: Does the insurer offer an affordable rate for coverage, especially compared to other insurers?
  • Coverage options: Does the insurer have the coverage options you need to adequately protect you while you ride?
  • Customer service: Does the insurer have well-regarded customer service? Are you likely to be happy with the service you receive, especially when making a claim?

Affordability: Finding cheap motorcycle insurance in Utah

Choosing the right motorcycle insurance company can save motorcycle riders in Utah hundreds of dollars every year. We found a price difference of almost $500 between the cheapest and most expensive companies.

Our selected levels of coverage were:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: Included/$500 deductible
  • Comprehensive coverage: Included/$500 deductible
  • All other coverages: Not included

The average cost of motorcycle insurance in Utah is $832 per year, or $69 per month.

Coverage options: comparing motorcycle insurance policies and benefits

Every motorcycle rider has different needs for insurance, and not every insurance company offers the coverage options you may want or need for insurance. When evaluating insurance companies, we preferred insurers that provide a wide range of coverage options. Here's a breakdown of major coverages available from the top motorcycle insurers in Utah.

Insurance provider
Replacement cost coverage
OEM parts replacement
Custom parts
Roadside assistance
Rental reimbursement

†-Indicates that the provider includes this form of coverage in the price of its standard motorcycle insurance.

Customer service: Evaluating insurer quality in service and claims

To evaluate the best motorcycle insurance companies in Utah, we used three main sources of information: The NAIC Complaint Index and AM Best's Financial Strength Ratings. Together, these provide a holistic understanding of the quality of service you can expect to receive from an insurance company.

NAIC complaint index

†-Indicates that the provider includes this form of coverage in the price of its standard motorcycle insurance.

NAIC Complaint Index: Compares the number of complaints an insurance company has received relative to its size. A smaller number indicates fewer complaints; the national median is 1.00.

AM Best Financial Strength Rating: This company rates the overall financial health of insurance companies and their ability to pay out claims, especially during times of high claim demand (such as after a major disaster) or economic downturn. Grades range from A++ (the best) to D (the worst).

Utah motorcycle insurance: Costs by city

The cost of motorcycle insurance in Utah varies based on where you live. We found a difference of nearly $100 between the most and least expensive cities to get motorcycle insurance in Utah. See a cost breakdown for the major cities in the state below.

Annual rate
Difference from average
Brigham City$8370.7%
Heber City$801-3.7%
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For a broader understanding of what you'll pay to insure a motorcycle, take a look at our nationwide study of the cost of motorcycle insurance.

Utah motorcycle insurance requirements

Utah requires that motorcycle riders carry a certain amount of coverage while on the roads. You need to have liability coverage for bodily injury and property damage to meet the legal minimums.

Minimum amount
Bodily injury: per person$25,000
Bodily injury: per accident$65,000
Property damage$15,000

How do you get a motorcycle license in Utah?

People who want to ride a motorcycle in Utah are required to get a motorcycle license. Motorcycle licenses aren't available separately in Utah. It's an endorsement to a standard driver's license, and anyone who has a driver's license can apply (which means you must be at least 16 to ride a motorcycle).

To get a motorcycle endorsement, bring your driver's license to a license office and pass vision and written knowledge tests; this will allow you to get a motorcycle learner's permit. Once you're ready to take the road skills test, return to the license office to take the test.

Alternatively, you can take a motorcycle beginner skills course. It’s over 15 hours and provides classroom and on-motorcycle instruction on how to ride a motorcycle. If you successfully complete the course, you'll be able to waive the skills test and get your motorcycle license.


For our price analysis of motorcycle insurance in Utah, we collected dozens of motorcycle insurance quotes across the state. Our sample rider is a 45-year-old man who owns a 2021 Harley-Davidson FLHX Street Glide. He is a married homeowner who has 20 years' experience riding motorcycles. Your rates may be different based on your riding history, age and other factors.

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.