Utah motorcycle insurance

Illustration of Delicate Arch in Utah's Arches National ParkIllustration of Delicate Arch in Utah's Arches National Park

Utah is a ruggedly beautiful state. Be sure to equip yourself with a motorcycle insurance policy so you can safely and legally explore the state’s five national parks and the wide open spaces in between.

What’s required of all motorcycle riders in Utah?

Here are some key rules of the road to follow whenever you operate a motorcycle in Utah:

  • Helmets: All operators and passengers under the age of 21 are required to wear helmets.

  • Handlebars: Your motorcycle handlebars can’t exceed the height of your shoulders while seated. Keep both hands on your handlebars at all times, except when making brief hand signals to other motorists.

  • Passenger seat and foot pegs: To legally ride with a passenger, ensure your motorcycle has a designated passenger seat and footrests or pegs.

  • Mirrors: Your motorcycle must be equipped with at least one side-view mirror.

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What are the motorcycle insurance requirements in Utah?

Each state establishes its own specific motorcycle insurance requirements. In Utah, you’re required to carry bodily injury liability and property damage liability insurance coverages to legally operate a motorcycle. Also, be aware you’ll need to show proof of insurance to register your motorcycle

Here are the state’s minimum motorcycle insurance requirements:

  • $25,000 for bodily injury liability per person

  • $65,000 for bodily injury liability for two or more persons

  • $15,000 for property damage liability

  • $3,500 for uninsured motorist (UM) property damage (if no collision coverage on the vehicle)

Remember, if you’re involved in an accident where the losses exceed these legally required minimum coverage amounts, you could end up paying the remainder out of pocket. Purchasing higher motorcycle insurance limits can help protect you and your assets in cases like this.

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Ready to explore Utah by motorcycle?

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Are optional motorcycle insurance coverages available in Utah?

Yes. Beyond the liability insurance coverages listed above, you can choose from additional coverage options in Utah, including:

Comprehensive coverage

Comprehensive motorcycle insurance coverage helps pay for your motorcycle repairs if your bike is damaged by something other than a collision—for example, theft, vandalism, or hail.

Uninsured motorist and underinsured motorist coverage

  • $25,000 for bodily injury to one person

  • $50,000 for bodily injury to two or more persons

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Securing coverage shouldn't be complicated

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Utah motorcycle insurance discounts

We know every rider is different, and we believe everyone deserves the opportunity to save on their motorcycle insurance. Review this list of motorcycle insurance discounts available in Utah—you could qualify for one or several:

  • Operator safety course

  • Homeownership 

  • Harley Owners Group (H.O.G.) member

  • Anti-theft

  • Loyalty

  • Motorcycle rider group

  • Multi-vehicle

  • Multi-line

Sites to see in Utah

Zion National Park

Zion National Park is the country’s third most popular national park by total annual visitors. This 229-square-mile park features some of the most amazing hiking and views you’ll find anywhere. Perfect for motorcycle riders, the Zion National Park Scenic Byway is a 54-mile highway running through the heart of the park. 

Trail of the Ancients National Scenic Byway

Trail of the Ancients runs 480 miles through eastern Utah and western Colorado and highlights the region’s archaeological and cultural history. In the Utah portion, you’ll cruise through stunning landscapes with the chance to experience Native American historical sites along the way. 

Bryce Canyon National Park

Bryce Canyon is another amazing national park in Utah along Utah’s Scenic Byway 12. Bryce offers thrilling and unique views thanks to its elevation and the area’s red, orange, and white rock formations. Bryce is in the vicinity of other national parks, including Zion National Park and Capitol Reef National Park, so you can make it part of your southern Utah adventure.

Ready to explore Utah via trail as well as road? Bundle your coverages and save with Utah ATV insurance.

Get a Dairyland® quote for Utah motorcycle insurance

From the Great Salt Lake to the Four Corners, Utah offers motorcycle enthusiasts plenty to see and do. Just make sure you and your bike are protected with motorcycle insurance. Enter your information below or give us a call at 866-324-7952 to get started.

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