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 $572.
Compare Motorcycle Insurance Quotes from Providers in Utah
After researching dozens of insurance companies and policy types, we believe that riders should consider more than just the lowest rate when choosing an insurer. See our full review below, or use the quotebox above to find your best rates and your motorcycle.
Best for most people: GEICO
- Very low rates
- Home and auto bundle discounts
- Not many motorcycle-specific coverages
We recommend GEICO as the best motorcycle insurance company for most Utah riders. Its rates are 28% cheaper than the state average, which sets it apart from the other insurers on this list.
GEICO's typical price for motorcycle insurance is $572 per year for an experienced rider. It also has a bundle discount, which is usually one of the most generous discounts insurers offer. You may be able to reduce what you pay beyond GEICO's already generous rates by buying other policies, like home or auto insurance, from the same company.
GEICO's customer service is acceptable, but not outstanding. Its Complaint Index from the National Association of Insurance Commissioners (NAIC) is 1.2, indicating it's received slightly more complaints than a typical company of its size. However, it has an A++ Financial Strength Rating from A.M. Best, meaning the company is unlikely to default on its customer claims.
GEICO's motorcycle coverage options were about average as well. You can get things like roadside assistance and coverage for accessories, but riders who want a full range of coverage options may be better served at our pick for full coverage, Progressive.
Best for full coverage: Progressive
- Lots of coverage options
- Replacement coverage included in default policy
- Most expensive motorcycle insurer we found in Utah
Riders who have high-end bikes or who depend on their motorcycle as their sole method of transportation should look at Progressive. While Progressive's rates were the highest we found at any company we looked at, its wide breadth of coverage options and well-regarded customer service make it an appealing option for people who want to pay for the best coverage.
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 0.91, meaning it has fewer complaints than a typical insurer of the same size. It also has an A+ Financial Strength Rating from A.M. Best, meaning it has "excellent" financial policies in place.
Unfortunately, all these perks come at a cost. Progressive was the most expensive insurer we found in the state of Utah, charging an average of $1,132 per year. That's 43% more than the average cost we found and nearly double the cost of our top pick, GEICO.
However, Progressive does offer 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).
Best customer service: State Farm
- Strong customer service
- Bundle discounts
- Quotes not available online
For motorcycle riders who want the best customer service available from a motorcycle insurance company, we recommend State Farm. Its customer service ratings were the very best we found in Utah, alongside its national reputation for customer satisfaction.
State Farm got a 0.57 NAIC Complaint Index, meaning it received only about 57% 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.
State Farm's motorcycle coverage options are generous. Notable perks include coverage for sidecars and protective gear and reimbursement for trip interruption expenses, 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 at State Farm.
The main drawback to State Farm is that it doesn't provide motorcycle insurance quotes online. You'll have to contact a State Farm agent directly to get a quote or buy a motorcycle insurance policy.
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 Utah motorcycle residents hundreds of dollars per year. We found a price difference of more than $500 between the cheapest and most expensive companies.
GEICO had the most affordable motorcycle insurance rates, with a typical annual price of just $572 per year. That's 28% cheaper than the average rate.
|Insurer||Average annual cost||% difference from average|
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
Coverage options: comparing motorcycle insurance policies and benefits
Every motorcycle rider has different needs when it comes to 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||Maximum liability limit||Replacement cost coverage||OEM parts replacement||Custom parts||Roadside assistance||Rental reimbursement|
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, J.D. Power's insurance customer satisfaction survey and A.M. 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.
|Group||NAIC Complaint Index||J.D. Power survey score||A.M. Best Financial Strength Rating|
|American Family Insurance||0.7||826||A|
|Berkshire Hathaway Inc.||1.2||818||A++|
|Farm Bureau Financial Services||0.66||--||A|
NAIC Complaint Index: Compares the number of complaints an insurance company has received relative to its size. A smaller number indicates fewer complaints, and the national median is 1.00.
J.D. Power rankings: This annual survey ranks insurers based on customer satisfaction using a 1,000-point scale. A higher score is better, and typical scores range from 750–850.
A.M. 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 $200 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.
|City||Average||% difference from average|
|Salt Lake City||$781||-1.7%|
For an overall 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 dollar amount of coverage while on the roads. You need to have liability coverage for bodily injury and property damage to meet the legal minimums.
|Bodily injury: per person||$25,000|
|Bodily injury: per accident||$65,000|
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 as separate items in Utah. It's an endorsement to a standard driver's license, and anyone who has a driver's license can apply (meaning 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. Over 15 hours, this 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 2019 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.