Motorcycle Insurance for Utah
Utah motorcycle insurance for riders who know the roads.
Utah motorcycle insurance for riders who know the roads.
From Scenic Byway 12 over the Hogback to the Mirror Lake Scenic Byway into the Uintas, Roamly works with carriers who understand how Utahns actually ride.
Utah at a Glance
Requirement | Details |
|---|---|
Minimum liability | 30/65/25 ($30k bodily injury per person, $65k per accident, $25k property damage), or a $90k single limit, for policies issued or renewed since January 1, 2025 — up from 25/65/15. UM and UIM are included unless you reject them in writing. |
Helmet law | Required for operators and passengers under 21. Not wearing a helmet can't be used against you as comparative negligence in an injury claim. |
Lane splitting | Splitting in moving traffic has been explicitly illegal since January 1, 2026, with an endorsement suspension. Filtering past stopped traffic is legal on roads with two or more lanes in your direction posted 45 mph or less, at 15 mph or less (never on freeway on-ramps) — until July 1, 2027 unless lawmakers extend it. |
Registration | No safety inspection, and motorcycles are exempt from emissions testing. As of September 2026, you'll pay a base registration fee (set at $46 in statute and adjusted yearly for inflation) plus an age-based fee of $10 to $95, and some counties add local fees. |
Requirements and regulations may change. Verify with the Utah Insurance Department, the Utah Division of Motor Vehicles, and the Utah Driver License Division for the most current information.
What you need to know about Motorcycle Insurance in Utah
Utah raised its minimums in 2025, banned lane splitting in 2026, and — even though it's a no-fault state for cars — leaves PIP off motorcycle policies. Here's what actually shapes your policy.
Utah's 30/65/25 Minimum
For policies issued or renewed since January 1, 2025, the state requires $30k/$65k bodily injury and $25k property damage, or a $90k single limit. Policies written before that carried 25/65/15, so if you haven't looked at your limits in a while, it's worth a review. Uninsured and underinsured motorist coverage come with your policy unless you reject them in writing. We'll help you figure out what makes sense for how you ride. Requirements vary by state — check the Utah Insurance Department for current minimums.
Agreed Value for Custom Builds
Your Pan America with the adventure bars and upgraded suspension isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
Peer-to-Peer Rental Coverage
Riders fly into Salt Lake City to ride the national parks down south. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
SR-22 Filing When Needed
If the Utah Driver License Division requires an SR-22 — say, after a conviction for riding without insurance — it typically stays in place for three years from the date of conviction. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like on Scenic Byway 12 between Escalante and Boulder, a long way from the next shop. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — even where Utah makes the helmet optional, desert heat and mountain cold mean good gear isn't cheap to replace. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. Coverage terms, conditions, and availability vary by state and policy. See policy for details. |
Rent Your Bike Without Losing Coverage
Bryce, Capitol Reef, and the Uintas draw riders from all over the world, and plenty of them would rather rent than ship a bike. Listing yours on Twisted Road or Riders Share can help it earn its keep between your own rides, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
What Utah Actually Requires
Utah mandates 30/65/25 liability coverage for motorcycles, the same as for cars. That's $30k per person and $65k per accident for bodily injury, plus $25k for property damage, or a $90k single limit. Uninsured and underinsured motorist coverage are included unless you reject them in writing. Car policies must carry PIP, but a motorcycle policy doesn't — and motorcycle owners and operators aren't covered by PIP for injuries while riding — so medical payments coverage is worth a close look. Riders and passengers under 21 need a helmet. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Requirements vary by state — check the Utah Insurance Department for current minimums.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Utah law references current as of September 2026 — confirm current requirements with the Utah Insurance Department, the Utah Division of Motor Vehicles, and the Utah Driver License Division.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Utah requires 30/65/25 liability coverage: $30,000 per person and $65,000 per accident for bodily injury, plus $25,000 for property damage, or a $90,000 single limit, for policies issued or renewed since January 1, 2025. Uninsured and underinsured motorist coverage are included unless you reject them in writing. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Utah Insurance Department.
Only if you're under 21. Operators and passengers under 21 need a helmet that meets the federal DOT standard. Riders 21 and older can decide for themselves, and under Utah law, not wearing a helmet can't be used as comparative negligence against you in an injury claim.
It depends on your bike, riding history, where you live, and the coverage you pick. Keeping or rejecting uninsured and underinsured motorist coverage changes the price, and so does adding collision, comprehensive, or medical payments. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
Liability is what Utah requires — it pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or hail. If you're financing, your lender will likely require both.
An SR-22 is a certificate your insurer files with the Utah Driver License Division to prove you carry at least the minimum coverage. A conviction for riding without insurance or without proof of insurance suspends your license and requires one, and it typically stays in place for three years from the date of conviction. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
Utah limits how it can be used. Utah only lets insurers use credit information for initial underwriting, when they also consider other factors, or to give you a discount — not for renewals, non-renewals, or rating. Your riding record, bike, and location are the bigger rating factors, and how much each one counts varies by carrier.
No. Utah is a no-fault state for cars, but motorcycle policies don't have to include PIP, and motorcycle owners and operators aren't covered by PIP — their own or anyone else's — for injuries while riding. Passenger situations can differ, so check with your carrier. That leaves optional medical payments coverage, your health insurance, or a claim against the at-fault driver. We can help you compare options.
Get rider-built motorcycle coverage in Utah through a brokerage that shops carriers for you. No phone tag. Clear terms you can understand. No regrets.
Still have questions?
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Utah motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
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