Utah Motorcycle Insurance

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Utah requires that each motorcycle rider be able to show proof of financial responsibility at all times. Unlike some states, where you can put up a surety bond, the only way to establish the required responsibility is to have a Utah-approved motorcycle insurance policy in force whenever riding.

Utah Motorcycle Insurance Laws

Further complicating matters is that Utah uses a ”no fault” system. In order to file a claim against another driver, no matter who is at fault, you must incur more than $3,000 in damages. To help you understand some of the insurance issues in Utah, let’s have a look at how the state defines a motorcycle for law enforcement and insurance purposes, some of the required equipment to make your bike street legal, as well as the coverage levels and types you may need.

The Beehive State defines a motorcycle as:

”A motor vehicle having a seat or saddle for the use of the rider and designed to travel on not more than three wheels in contact with the ground, but excluding farm equipment; has the capacity to maintain posted highway speed limits; and an engine displacement larger than 49cc.”

You and your bike must have certain equipment in order to be considered street legal in Utah. That equipment includes:

  • Eye protection: required unless equipped with a windscreen.
  • Handlebar height: below shoulder height.
  • Helmet: required for all riders and passengers under age 18.
  • Mirrors: the left side mirror is required.
  • Turn Signals: not required.
  • Passenger Seat/Footrest: both are required if carrying a passenger. No restrictions on a passenger’s age.
  • Headlight: required, modulating daytime headlight approved.
  • Muffler: required, cutouts are not permitted. There are no acoustical limits set.
  • Safety Inspection: periodic inspection required.

Motorcycle Insurance Minimums in Utah

The legislature in Utah revised the minimal motorcycle insurance limits in 2011. The minimum motorcycle insurance coverage limits were raised to:

$25,000 for death or bodily injury to one person;
$65,000 for death or bodily injury to two or more persons;
$15,000 for damage or destruction of property; with
$3,000 in personal injury protection built into the policy.

You can see that the revised coverages make great strides toward protecting riders and passengers alike, but they may not be enough to fully cover a serious incident. A single night in the hospital or an E.R. visit with ambulance bills could easily reach those limits.

Recommended Coverage

The minimum coverages in Utah may not adequately cover an accident. If the caps fall short, you may have to fill in any gaps out-of-pocket. Then there is your bike to consider. That is why you should always carry additional coverage. You may want to consider the following coverages:

  • Collision coverage: this protection covers your bike in a collision with another vehicle, or even a stationary object. It may or may not include uninsured/under-insured coverage.
  • Comprehensive coverage: this protection picks up where collision leaves off, covering most other mishaps, whether they stem from weather, acts of God, animal strikes, or criminal activity.
  • Bodily injury coverage: this protection covers certain costs if you injure or kill someone in an at-fault accident. In a no fault state, it is important to remember that this coverage protects your passenger as well as you if the damages exceed $3,000.
  • Medical payment coverage: this covers items such as medical co-payments and deductibles from other health coverage policies, as well as other healthcare items.

Utah has a strong culture around custom bikes. If your bike is loaded with aftermarket, custom, or handmade parts, you might want to consider Custom Parts and Equipment (CPE) coverage, which helps protect your additional investment.

Utah Motorcycle Insurance Quotes

Estimating the cost of insurance is notoriously difficult. That’s because so many factors come into play, from the type of bike you ride to your driving record and coverage options. Even your credit score and very zip code can play a role. Fortunately, we can help you compare rates from competing insurers online. Simply enter your zip code to get started.

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