Best & Cheapest Motorcycle Insurance in Utah September, 2024

The search for the right motorcycle insurance in Utah can be overwhelming. Don’t worry; you’re in the right place to find your way. In our view, the best provider offers a great balance of complete coverage and outstanding customer service.

Having worked in the insurance industry for more than 15 years, I’ve witnessed the fallout from inadequate motorcycle insurance. It’s about more than legality; it’s about ensuring your investment is protected.

With years of expertise behind it, our guide helps you avoid common mistakes and find the most reliable and cost-effective insurance options for your bike.

Cheapest Minimum Liability Motorcycle Insurance Companies In Utah

Our study found that USAA (with Progressive) offers the least expensive minimum coverage in Utah, costing $7 a month.

The “cheapest minimum coverage for motorcycle insurance in Utah” category refers to the most economical policies that fulfill the state’s legal requirements for motorcyclists. Typically, these policies provide basic liability coverage, covering costs for bodily injury and property damage that the rider might cause to others in an accident.

In this category, factors like driving history significantly impact insurance rates. A spotless driving record often means lower premiums, as insurers view these riders as low risk. However, a history of accidents or traffic violations usually results in higher rates, as insurers consider these individuals more likely to be involved in future incidents.

An accident can seriously raise your insurance rate, as it implies a higher risk of expensive claims for the insurance company. This risk assessment directly affects the cost of minimum coverage insurance in Utah.

Cheapest Full Coverage Motorcycle Insurance In Utah

Our research has found that Harley-Davidson (Sentry) provides the lowest cost for full coverage motorcycle insurance in Utah, priced at $18 per month.

The “cheapest full coverage for motorcycle insurance in Utah” category highlights the most budget-friendly options that surpass the state’s minimal liability requirements. Full coverage typically involves comprehensive and collision insurance, ensuring protection against a wide range of scenarios such as accidents, theft, vandalism, and natural disasters.

The insurance rates in this category are largely determined by a rider’s driving history. Having a clean record generally leads to lower premiums, as insurers see these riders as lower risk.

Conversely, a record of accidents or traffic violations typically leads to higher rates because insurers perceive these riders as higher risk. More specifically, being in an accident can significantly hike your rate as it increases the insurer’s expectation of future claims.

Average Cost Of Motorcycle Insurance In Utah

The mean monthly expenditure for full coverage motorcycle insurance in Utah is $32.

Average Cost Of Motorcycle Insurance In Utah – By City

Motorcycle insurance rates in Utah are impacted by your city of residence. Riders living in major metropolitan areas typically have higher premiums than those in rural locations because of the increased accident frequency in urban zip codes.

These ten cities offer the lowest motorcycle insurance rates in Utah:

Do You Need Motorcycle Insurance In Utah?

In Utah, it’s not just advisable to have motorcycle insurance; it’s legally required. The state mandates that all motorcyclists carry at least the minimum insurance coverage to ride legally on public roads. This law ensures financial responsibility for any accidents that result in damages or injuries.

Utah requires a minimum level of insurance coverage that includes liability insurance for bodily injury and property damage caused to others in an accident. This includes $25,000 for injury or death to one person, $65,000 for injury or death to multiple people, and $15,000 for property damage. However, this basic coverage does not protect the rider’s own injuries or motorcycle damages.

Riders seeking broader protection often look into additional coverages such as collision, comprehensive, and uninsured/underinsured motorist insurance. Collision insurance covers accident-related motorcycle damages, while comprehensive insurance deals with theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is particularly important in Utah, given the high number of underinsured drivers and riders.

While the law sets forth minimum insurance requirements, it is wise for riders to assess their individual needs, taking into account the value of their motorcycle, how often they ride, and their financial situation. Not having the required insurance can lead to penalties such as fines, license suspension, and the impoundment of their motorcycle.

How To Get A Motorcycle Insurance Quote

The process to obtain a motorcycle insurance quote is simple and involves several steps:

Gather Your Personal Information: Make sure to have your personal information ready before you start. This includes your full name, address, date of birth, and driver’s license number, plus details about any additional riders who will use the motorcycle.

Collect Your Motorcycle’s Details: Ensure you have detailed information about your motorcycle, such as the make, model, year, engine size, and vehicle identification number (VIN). If there are any modifications or safety features, be prepared to provide those details as they can influence your quote.

Determine Your Insurance Needs: Think about the coverage you need, including setting liability limits and deciding if additional options like comprehensive, collision, or uninsured motorist coverage are necessary.

Research Insurance Providers: Explore insurance companies that offer motorcycle insurance. Check their reputation, customer service ratings, and financial strength.

Get Quotes: You have different options for requesting motorcycle insurance quotes, such as online submissions, phone consultations, or face-to-face discussions. Provide the necessary details to the insurance provider. Online forms can efficiently generate multiple quotes, providing convenience. (Using services like Insuranceopedia can assist with multiple quotes, simplifying your decision-making.)

Compare Quotes: Once you’ve received several quotes, compare them on factors like price, coverage options, deductibles, and exclusions or limitations. Ensure that you are comparing similar coverages across different quotes.

Ask About Discounts: Find out if there are discounts available for safe driving, having multiple policies, or completing a motorcycle safety course.

Review Quotes and Select a Policy: Analyze all the details and choose the policy that provides the best combination of affordability and coverage.

Provide Additional Information and Make Your Purchase: Upon choosing a provider, you might need to provide extra information or documentation. Review the policy details, make your first payment, and obtain proof of insurance.

Upon selecting a provider, extra information or documentation may be necessary. Review the policy details, make the initial payment, and get your proof of insurance.