Motorcycle Insurance Coverage Options
Understanding your coverage options is the key to getting the right protection at the right price. Here's everything you need to know about motorcycle insurance coverage in Utah.
Liability Coverage
Required by Utah law. Liability coverage is the foundation of every motorcycle insurance policy. It pays for bodily injury and property damage you cause to others in an accident where you are at fault.
Utah's Minimum Liability Requirements
- $25,000 bodily injury per person
- $65,000 bodily injury per occurrence
- $15,000 property damage per occurrence
Should You Carry More Than the Minimum?
In most cases, yes. Utah's minimums may not be enough to cover a serious accident. If a claim exceeds your policy limits, you are personally responsible for the difference — meaning your savings, home, and other assets could be at risk. Most agents recommend at least $100,000/$300,000 bodily injury limits. The premium difference is often just a few dollars per month.
Liability Coverage
Covers bodily injury and property damage to others when you're at fault. Required by Utah law for all motorcycles.
Get a Liability QuoteCollision Coverage
Pays to repair or replace your bike after a crash with another vehicle or object, regardless of fault.
Get a QuoteCollision Coverage
Collision coverage pays to repair or replace your motorcycle if it's damaged in a collision with another vehicle, an object (guardrail, pothole, debris), or if your bike tips over. It applies regardless of who caused the accident.
This coverage is especially important if you're financing or leasing your motorcycle — most lenders require it. It's also recommended for any bike with significant value, since the cost of repairs or replacement can easily exceed the annual premium.
How It Works
You pay your deductible (typically $250-$1,000), and your insurance covers the rest up to your bike's actual cash value. Choosing a higher deductible lowers your premium but means more out-of-pocket if you file a claim.
Comprehensive Coverage
Comprehensive coverage protects your motorcycle from damage caused by events other than collisions. This is your protection against the unpredictable — the things you can't control.
What's Covered
- Theft and attempted theft
- Vandalism and malicious mischief
- Fire and explosions
- Weather events (hail, flooding, wind)
- Animal strikes (deer, elk — common on Utah roads)
- Falling objects (rocks, tree branches)
- Glass/windshield damage
Comprehensive coverage is highly recommended for Utah riders. Between wildlife encounters on mountain roads, hailstorms along the Wasatch Front, and theft risk at trailheads, the threats to your bike go well beyond collisions.
Comprehensive Coverage
Protection from theft, vandalism, weather, wildlife, fire, and other non-collision events.
Get a QuoteAdditional Coverage Options
Round out your protection with these important add-ons.
Medical Payments
Covers medical expenses for you and your passengers after an accident, regardless of fault. Includes hospital bills, surgery, X-rays, and ambulance costs. Especially important since motorcycle accidents often result in more severe injuries than car accidents.
Uninsured/Underinsured Motorist
Protects you when you're hit by a driver who has no insurance or doesn't carry enough. Given that roughly 1 in 8 drivers nationally is uninsured, this coverage is critical for motorcycle riders who are more vulnerable in a collision.
Custom Parts & Equipment
Covers aftermarket additions and modifications: exhaust systems, custom paint, saddlebags, performance parts, audio systems, and more. Standard policies may only cover factory value — this endorsement protects your full investment.
Which Coverage Do You Need?
The right coverage depends on your bike, how you ride, and what you want to protect.
| If you... | You need... |
|---|---|
| Own a motorcycle in Utah | Liability (required by law) |
| Finance or lease your bike | Liability + Collision + Comprehensive (lender required) |
| Own a high-value bike outright | Full coverage recommended to protect your investment |
| Ride in areas with wildlife | Comprehensive (covers animal strikes) |
| Have aftermarket parts | Custom parts & equipment endorsement |
| Want maximum protection | All coverages with higher liability limits |
Not sure what's right for you? We'll help you build the perfect policy.
Get a Personalized Quote