Utah's mountain roads and desert highways are a rider's dream. Make sure you're covered with a motorcycle policy that matches how you ride — not a one-size-fits-all policy from a captive agent.
Motorcycle insurance is structured similarly to auto insurance but tailored to the unique risks riders face.
Covers injuries and property damage you cause to others while riding.
Pays to repair or replace your bike after an accident.
Covers theft, vandalism, fire, storms, and animal strikes.
Protects you when the other driver doesn't have adequate insurance.
Covers your medical bills after a riding accident, regardless of fault.
Covers aftermarket parts, accessories, and customizations you've added.
Utah requires insurance on all registered motorcycles. But beyond the legal requirement, riding without proper coverage is a huge financial risk.
Most riders pay $200–$800/year for basic coverage. Sportbike riders and those wanting full coverage may pay $800–$1,500+.
If your bike is financed, your lender will require it. Even on a paid-off bike, collision and comprehensive are worth it — motorcycles are expensive to repair and easy to steal.
Only if you add custom parts and equipment coverage. Standard policies cover the bike's stock value. We make sure your aftermarket parts are included.
Yes. Most carriers offer 5–15% discounts for completing an MSF (Motorcycle Safety Foundation) course.
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