Motorcycle Insurance in Utah

Riding through Utah means taking on mountain passes, red rock trails, and wide-open highways. From the Wasatch Front to the backroads of Zion, bikers need coverage that’s built for every kind of adventure. GEICO offers Utah motorcycle insurance that fits your lifestyle, with great rates, flexible options, and a fast, friendly claims process that helps you stay protected wherever the road takes you.

Is Motorcycle Insurance Required in Utah?

Yes, motorcycle insurance is required to ride legally in Utah. Before you can register your motorcycle, you must provide proof of insurance that meets Utah’s minimum coverage limits. If you're caught without coverage, you could face fines, license suspension, and even impoundment of your motorcycle. Keeping your insurance active and up to date is the best way to stay on the right side of the law and protect yourself financially on the road.

Minimum Motorcycle Insurance Coverage Requirements in Utah

Like many states, Utah requires riders to carry a minimum amount of liability coverage.

Coverage Type What It Covers Utah Minimum Limits
Bodily Injury Liability Injuries you cause to others in an accident $30,000 per person / $65,000 per accident
Property Damage Liability Property damage you cause $25,000 per accident

*Utah also requires motorcyclists to carry uninsured/underinsured motorist coverage. However, riders can reject or lower these coverages by submitting a signed form.

Optional Motorcycle Insurance Coverages in Utah

While state-mandated insurance is a good starting point, many motorcyclists choose to add additional coverages for more protection, such as:

  • Collision Coverage: Helps pay for damage to your motorcycle if you're in an accident with another vehicle or object, regardless of who’s at fault.
  • Comprehensive Coverage: Pays for non-collision damage to your bike, like theft, vandalism, fire, or weather-related events.
  • Accessory coverage: Up to $2,000 for non-factory upgrades like chrome parts, custom paint, or aftermarket exhaust systems.

How Much Does Motorcycle Insurance Cost in Utah?

The cost of Utah motorcycle insurance depends on factors like your driving history, bike type, where you live, and how often you ride. Premiums can also vary based on your coverage selections. With GEICO, you can get personalized, affordable motorcycle insurance that matches your needs and budget.

Discounts on Motorcycle Insurance in Utah

Looking for ways to save on coverage? GEICO offers many motorcycle insurance discounts, including:

  • Motorcycle policy transfer: Up to 10% discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
  • Multiple motorcycles: Up to 10% discount if you insure more than one motorcycle.
  • Mature riders: Up to 10% discount for mature riders.
  • Insurance renewal: Up to 10% discount when you renew your motorcycle insurance with GEICO® Motorcycle.
  • Safety course: Up to 10% discount for completing a Motorcycle Safety Foundation or Military Safety Course.
  • Instructors: Up to 20% discount if you are a current Motorcycle Safety Foundation instructor.

GEICO also offers motorcycle insurance payment plans to help make getting the quality coverage you deserve easier.

Why Choose GEICO for Motorcycle Insurance in Utah?

Riders nationwide trust GEICO for affordable motorcycle insurance backed by specialist support and award-winning customer service. From quick online quotes to a fast and easy claims process, we make protecting your bike simple. You’ll also get access to flexible payment plans and valuable discounts that help keep your coverage budget-friendly.

With the GEICO Mobile app, you can manage your policy, access digital ID cards, and request roadside assistance right from your phone. Whether you're commuting through Salt Lake City or riding the scenic routes of southern Utah, GEICO is here to help you stay covered with confidence.

Get a Free Motorcycle Insurance Quote in Utah

Ready to protect your ride in the Beehive State? Get a fast, free Utah motorcycle insurance quote from GEICO today, contact us for personalized guidance, or visit our motorcycle insurance FAQs page for more information.

Motorcycle Insurance in Utah FAQs

  • Can I bundle motorcycle and auto insurance in Utah?

    Absolutely! Bundling your Utah motorcycle and auto policies with GEICO can simplify your coverage and often unlocks savings through our multi-policy discount.

  • Does Utah have a helmet law for motorcycle riders?

    Yes. If you are under 21, you’re required to wear a DOT-approved helmet when riding or being carried as a passenger.

  • Do I need a motorcycle license or endorsement in Utah?

    Yes, you need a motorcycle endorsement or license to operate a motorcycle in Utah, alongside your regular driver’s license. You can get it by completing a state-approved rider education course or passing a riding skills test at the DMV.

  • Does taking a motorcycle safety course lower my insurance in Utah?

    It can! Completing an approved motorcycle safety or riding course can qualify you for insurance discounts with GEICO.