Best & Cheapest Motorcycle Insurance in Utah September, 2024
If you’re prioritizing savings, Harley-Davidson (Sentry Insurance) is the top choice, with a very affordable monthly premium of $18.
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.
Best Motorcycle Insurance In Utah 2024
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Compare The Best Motorcycle Insurance In Utah
Overall Rating | Cheapest For | AM Best Rating | J.D. Power Rating | Online Experience | Get A Quote | |
---|---|---|---|---|---|---|
Harley-Davidson |
|
Overall |
A+ |
Not Rated |
9/10 |
Instant Quote |
GEICO |
|
Bundling Insurance |
A++ |
830 |
9/10 |
Instant Quote |
USAA |
|
Military Members |
A+ |
809 |
7/10 |
Instant Quote |
Allstate |
|
Customer Service |
A++ |
816 |
8/10 |
Instant Quote |
Best Motorcycle Insurance Companies in Utah
Best Overall
Key Statistics
Why We Like Them
⇅Harley Davidson emerges as the best overall choice for motorcycle insurance in Utah, backed by solid policies and outstanding service from Sentry Insurance. This collaboration brings a unique edge.
Sentry, a prominent insurance provider, supports Harley Davidson’s policies, ensuring policyholders benefit from reliability and financial strength. Their A+ rating by AM Best reflects Sentry’s dedication to fulfilling commitments.
Tailored for Utah’s diverse and demanding riding conditions, Harley Davidson’s insurance, supported by Sentry, caters to motorcyclists’ varied needs. These policies offer extensive coverage and superior customer service, making them a sound investment.
Harley Davidson’s personalized insurance solutions, backed by Sentry’s proven reliability, make it the leading motorcycle insurance choice in the state.
Benefits & Drawbacks
⇅- Tailored insurance options specifically for motorcyclists
- Supported by Sentry Insurance, recognized for financial stability and reliability
- Offers various discounts and rewards for safe riders and H.O.G. members ✓
- Some riders may not like third-party insurer coverage
- Coverage is more beneficial for Harley Davidson bikes
- Limited availability in certain areas ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅GEICO stands out as an excellent choice for bundling insurance in Utah, particularly when it includes motorcycle coverage. Known for their low rates across various insurance types, they are a preferred option for Utah motorcyclists looking to streamline their insurance.
GEICO sets itself apart by offering seamless integration of various policies, such as motorcycle, auto, and home insurance, into one package. This simplification of policy management often results in substantial savings for policyholders.
GEICO is known for its affordability and user-friendly interface. Their digital tools, like a comprehensive website and a highly-rated mobile app, simplify policy management. Moreover, GEICO’s customer service is consistently top-rated, ensuring efficient help for policyholders.
For motorcyclists in Utah, this ensures easy access to policy information and straightforward claims processing. GEICO’s combination of affordability, convenience, and reliable customer service makes it an excellent choice for bundling insurance in Utah.
Benefits & Drawbacks
⇅- Competitive pricing with multiple discounts available
- Easy policy management through user-friendly online tools and a mobile app
- Efficient claims processing and a highly regarded customer service reputation ✓
- Coverage options might not be as specialized for motorcycles as those from providers focusing only on motorcycle insurance
- Some customers report inconsistent customer service experiences
- Policy customization options may be more limited than those offered by niche motorcycle insurance providers ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅USAA stands out as the premier motorcycle insurance provider for military members, offering personalized services and a dependable partnership. Understanding the unique needs of the military community, USAA has chosen Progressive, an A+ (Superior) rated company, to handle coverage and claims. This collaboration leverages Progressive’s expertise in motorcycle insurance alongside USAA’s commitment to serving military personnel and their families.
The partnership with Progressive means USAA members have access to specialized motorcycle insurance backed by financial stability and expertise. Moreover, USAA’s highest customer service rating from J.D. Powers reflects its dedication to excellence and customer satisfaction.
Military personnel reap the benefits of this partnership by receiving streamlined service, fast claims processing, and policies that recognize the nuances of military life. The collaboration between USAA and Progressive provides military riders with a reliable, all-encompassing insurance solution suited to their distinct circumstances.
Benefits & Drawbacks
⇅- Tailored discounts and services for military members and their families
- Progressive handles coverage and claims, known for its expertise in motorcycle insurance
- USAA is highly rated for customer service, ensuring a supportive experience ✓
- USAA membership is exclusive to military members, veterans, and their families, limiting general public access
- Some policyholders might prefer dealing directly with a single insurer rather than through a partnership
- Coverage options and benefits may be more generic as they are part of a larger, non-specialized insurance portfolio ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅Allstate stands out as a top pick for motorcycle insurance in Utah, thanks to its outstanding customer service. Known for its personalized approach, Allstate ensures that each policyholder receives customized and attentive assistance, which is crucial for motorcyclists with unique needs differing from standard auto insurance clients.
Utah’s diverse biking community benefits from Allstate’s local agents, who provide crucial support. Knowledgeable about Utah’s road laws and riding culture, these agents offer insights beyond standard insurance questions. Complemented by Allstate’s robust online and mobile platforms, which provide 24/7 access to policy management and claims filing, their service is comprehensive and convenient.
Combining knowledgeable local agents, advanced digital tools, and a dedication to customer satisfaction, Allstate is the top choice for motorcycle insurance in Utah.
Benefits & Drawbacks
⇅- Offers a broad range of coverage options and customizable policies for individual needs.
- Personalized service available through local agents who understand regional insurance needs.
- Discounts available, including those for safe riding and multiple policies. ✓
- Premiums might be higher compared to some other insurers.
- Discounts and policy options can vary widely depending on individual circumstances.
- Policy options may be more suitable for casual riders rather than professional or competitive ones. ✘
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.
Insurance Provider | Minimum Coverage Annual Cost (Paid in Full) |
Progressive | $76 |
Geico | $84 |
Allstate | $93 |
Dairyland | $98 |
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.
Company | Average Monthly Rate for Full Coverage |
Harley-Davidson | $18 |
Geico | $25 |
Progressive | $36 |
Allstate | $41 |
Nationwide | $52 |
Average Cost Of Motorcycle Insurance In Utah
The mean monthly expenditure for full coverage motorcycle insurance in Utah is $32.
Company | Average Monthly Rate for Full Coverage |
Harley-Davidson | $18 |
Geico | $25 |
Progressive | $36 |
Allstate | $41 |
Nationwide | $52 |
Average Cost Of Motorcycle Insurance In Utah – By City
Motorcycle insurance rates in Utah are impacted by your city of residence. Riders living in major metropolitan areas typically have higher premiums than those in rural locations because of the increased accident frequency in urban zip codes.
These ten cities offer the lowest motorcycle insurance rates in Utah:
Rank | City | Average Annual Premium ($) |
---|---|---|
1 | Logan | $280 |
2 | Provo | $290 |
3 | Orem | $295 |
4 | Ogden | $300 |
5 | St. George | $305 |
6 | Layton | $310 |
7 | Bountiful | $315 |
8 | Sandy | $320 |
9 | Lehi | $325 |
10 | West Jordan | $330 |
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.
Our Methodology
I identified the top motorcycle insurance in Utah by evaluating impartial information from AM Best for financial stability and J.D. Powers for customer satisfaction. I also took into account consumer reviews and my experience as a former property and casualty insurance agent.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
How much is motorcycle insurance in Utah?
Full coverage motorcycle insurance in Utah averages $32 each month.
Who is the cheapest motorcycle insurance company in Utah?
Harley Davidson is the cheapest option for motorcycle insurance in Utah at $18 a month, with Sentry Insurance Company offering the coverage and handling customer service.
Do you need motorcycle insurance in Utah?
Utah law stipulates that motorcycle riders must have insurance.
Sources
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