The Best Cheap Motorcycle Insurance in Utah
Progressive has the best cheap motorcycle insurance in Utah, at $18 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Utah
Best cheap Utah motorcycle insurance
How we chose the top companies
Cheapest motorcycle insurance in Utah
Progressive has the cheapest motorcycle insurance in Utah.
Full coverage motorcycle insurance from Progressive costs an average of $18 per month. That's less than half the Utah state average.
Cheapest insurance companies
Compare Motorcycle Insurance Quotes in Utah
The average cost of motorcycle insurance in Utah is $44 per month, which is 38% more than the national average.
Best cheap motorcycle insurance companies in Utah
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | 4.0 out of 5 | $18 | |
| Dairyland | 3.5 out of 5 | $19 | |
| Harley-Davidson | 3.5 out of 5 | $27 | |
| Allstate | 3.0 out of 5 | $48 | |
| Geico | 1.5 out of 5 | $60 | |
| Nationwide | 1.5 out of 5 | $93 | |
Best motorcycle insurance in Utah for most people: Progressive
Progressive motorcycle insurance costs an average of $18 per month in Utah. That's less than half the state average of $44 per month.
Motorcycle insurance from Progressive automatically includes extra coverage.
A full coverage policy from Progressive pays to replace damaged parts with brand-new parts from the original manufacturer. Most other companies charge extra for this kind of coverage.
You can count on Progressive to get you back on the road quickly after an accident.
The company gets half as many complaints as an average insurance company of its size, which is a sign that riders are typically happy with its customer service. That's part of why it's among the best motorcycle insurance companies in the country.
One downside of Progressive is that you can't add coverage to pay for a rental vehicle if your bike is in the shop after an accident. So if your motorcycle is your main way to get around, you might need to pay to rent a car after a crash. If you're worried about affording a rental car, you may want to consider Dairyland instead.
Best for daily riders: Dairyland
Dairyland has the best motorcycle insurance if you use your bike as your primary vehicle. That's because Dairyland offers rental reimbursement and roadside assistance, which help you get around if something happens to your motorcycle.
- Rental reimbursement helps pay for a rental vehicle while your motorcycle is in the repair shop after an accident or claim.
- Roadside assistance pays for 24/7 towing as well as service for flat tires, battery issues or mechanical problems.
You'll have to pay more to add these to your policy. But Dairyland's cheap rates mean it's still a good deal.
However, Dairyland doesn't offer popular coverage add-ons for people who use their bikes for touring. For example, you can't get trip interruption, which pays hotel and food costs if your motorcycle breaks down while on a road trip. Plus, you can't bundle your renters or home insurance with your motorcycle policy.
In addition, Dairyland gets an average number of customer complaints for a company its size. So, while you can count on Dairyland to take care of you after an accident, the claims process may not be as quick as with other companies with better service scores, like Progressive.
Best for military riders and veterans: USAA
USAA doesn't sell its own motorcycle insurance — instead, it partners with Progressive to offer excellent motorcycle insurance at an even cheaper price.
USAA members get a 5% discount on Progressive motorcycle insurance, bringing its already cheap rates down to $17 per month, on average.
In addition, USAA members get all of the perks of a Progressive policy.
When you get a policy with collision and comprehensive coverage, Progressive includes extra protection, like $3,000 of coverage for custom parts and accessories. Other companies typically charge extra for this, making Progressive an even better deal.
Additionally, Progressive only gets about half as many customer complaints as an average company its size. That means you can count on Progressive to get you back on the road quickly after a crash.
The main downside to USAA motorcycle insurance is that it's only available to military members, veterans and some of their family members. However, if you don't qualify, you can still buy motorcycle insurance from Progressive.
Motorcycle insurance rates by Utah city
Provo, home to Brigham Young University, has the most expensive motorcycle insurance compared to Utah's larger cities and towns.
Provo residents pay around $47 per month for full coverage motorcycle insurance. Provo is one of the most densely populated cities in Utah. This affects insurance rates because crowded cities typically have more traffic and higher crime rates, which lead to more claims.
Draper, Heber City and Roosevelt have the cheapest motorcycle insurance compared to other large cities in Utah, at $42 per month.
Average motorcycle insurance cost in UT by city
City | Monthly cost | % from average |
|---|---|---|
| Bountiful | $45 | 3% |
| Brigham City | $43 | -4% |
| Clearfield | $44 | 1% |
| Draper | $42 | -4% |
| Heber City | $42 | -4% |
Is motorcycle insurance required in Utah?
Utah motorcycle owners must have insurance with a minimum of 30/65/25 of liability coverage.
- Bodily injury liability: 30,000 per person and $65,000 per accident
- Property damage liability: $25,000 per accident
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 your medical bills. It only covers 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 passing a test and getting a learner’s permit.
Utah adds motorcycle licenses 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.
There are two ways to get a motorcycle endorsement on your license:
The motorcycle you ride during your skills test determines the power of motorcycles you can legally use. For example, if you take your test with a typical street bike, you can 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 $44 per month to get full coverage motorcycle insurance in Utah. That gives you coverage for both your bike and any injuries and damage 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 also called lane splitting). That means motorcycles can bypass cars when traffic stops at a red light. This reduces congestion and lowers the chance of another vehicle hitting motorcyclists from behind.
Are motorcycles hard to insure in Utah?
No, motorcycle insurance in Utah costs about a fourth of the average rate 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.
Methodology
To find the best cheap motorcycle insurance in Utah, ValuePenguin averaged almost 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 ratings of motorcycle insurance companies are based on customer service reviews, coverage availability, discounts and the overall quality a company provides its riders.
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
