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Utah Motorcycle Insurance

Utah Motorcycle Insurance

Get Affordable Utah Motorcycle Insurance and enjoy the open road. For life along the Wasatch and red rock country—built for canyon winds, summer rides, and everything in between.

Rather speak with an insurance agent? Call us: (877) 334-7646

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Explore Utah Motorcycle Insurance

Utah rides deliver it all—I-15 commuter sprints, Provo Canyon curves, high-desert crosswinds, and sudden summer downpours. The right Utah Motorcycle Insurance helps you keep momentum when the day throws a curve, protecting you, your passenger, and your bike.

We help you size your limits, protect your upgrades, and price it right. Quotes are fast when you want them—and a real agent is here when you need one.

Understand Utah’s Minimum Limits?

To ride legally, Utah requires liability insurance—coverage that pays others if you’re at fault. Minimum limits are:

Coverage Type What’s Covered Minimum Limit
Bodily Injury Liability Injuries you cause to others $30,000 per person / $65,000 per accident
Property Damage Liability Damage you cause to other people’s property $25,000 per accident
Uninsured/Underinsured Motorist (UM/UIM) Injuries to you or a passenger caused by a driver with little or no insurance Offered by insurers (you may reject); limits typically match Bodily Injury
Personal Injury Protection (PIP) Medical benefits regardless of fault Not required for motorcycles in Utah

These are legal minimums, not a recommendation. Medical costs and repair bills can exceed them quickly—many riders choose higher limits.

More Motorcycle Coverage for Utah Riders

Minimum coverage doesn’t fix your bike or cover your gear. Round out your Utah Motorcycle Insurance with options that work on real roads:

  • Collision Coverage – Repairs your bike after a crash, even if you’re at fault.
  • Comprehensive Coverage – Theft, fire, vandalism, falling objects, animal strikes, and storm damage.
  • UM/UIM – Helps when the other driver’s limits don’t go far enough.
  • Medical Payments – Helps with medical bills for you or a passenger.
  • Accessory / Custom Parts – Bars, bags, seats, electronics, exhaust, and paint—set limits to match your build.
  • Roadside & Towing – Helpful for long stretches like US-191 or the Alpine Loop pull-offs.

Know the Rules. Ride with Confidence.

Utah has rider-specific rules worth knowing:

  • Helmet – Required for riders and passengers under 21.
  • Lane filtering – Allowed between stopped vehicles on roads posted ≤ 45 mph, and only at ≤ 15 mph when safe.
  • Proof of insurance – Carry valid liability proof; registration and roadside stops may require it.
  • PIP – Not required on motorcycles; optional add-on if you want no-fault medical benefits.

We’ll tailor your Utah motorcycle insurance to match how and where you actually ride.

Utah Scenarios, Matched to Motorcycle Coverage

  • I-15 stop-and-go in Salt Lake County – A sudden tap-brake chain reaction: Collision + UM/UIM + deductibles you can live with.
  • Provo Canyon shoulder-season slick – Slide on shaded ice: Collision + Medical Payments.
  • Garage theft in Ogden – Bike and helmet gone overnight: Comprehensive + Accessory limits that match your upgrades.
  • Wildlife strike on US-189 – Deer at dusk: Comprehensive + Roadside to get you home.

How to Save Without Cutting Corners

Utah Motorcycle Insurance can be affordable with the right moves:

  • Complete a certified motorcycle safety course.
  • Bundle with home or auto for multi-policy credits.
  • Use secure storage, locks, and tracking in metro areas.
  • Ask about seasonal/mileage ratings if you park the bike part of the year.
  • Pick deductibles that balance premiums with what you can pay at claim time.

Why Utah Riders Choose IronPoint

Local roads, local weather, local rules—your policy should reflect all three. We match riders with A-rated carriers, tune limits to real risks, and keep the process straightforward. If a claim interrupts your ride, you’ll be glad your Utah Motorcycle Insurance was built the right way.

Get a Utah Motorcycle
Insurance Quote

Compare Utah motorcycle insurance rates in minutes. It’s safe, secure, and free.

Call (877) 334-7646 to speak with an insurance agent.

Utah Motorcycle Insurance FAQs

Is motorcycle insurance required in Utah?

Yes. Liability insurance is required to ride on Utah roads.

What are the minimum liability limits in Utah?

$30,000 bodily injury per person / $65,000 per accident / $25,000 property damage (30/65/25).

Is PIP required for motorcycles in Utah?

No. Personal Injury Protection isn’t required for motorcycles in Utah, though you can add it if you want no-fault medical benefits.

Do You Have to Wear a Motorcycle helmet in Utah?

Riders and passengers under 21 must wear a DOT-approved helmet.

Is lane filtering legal in Utah?

Yes, under specific conditions: only between stopped vehicles, on roads posted 45 mph or less, and at 15 mph or less when it’s safe.

Can I cover custom parts and accessories?

Yes. Most motorcycle policies include a small built-in limit for custom parts and accessories. Add accessory/custom parts coverage to match bars, bags, seats, electronics, exhaust, or paint.