Utah Motorcycle Insurance
Based in St. George · Licensed across all of Utah
Utah motorcycle insurance from a St. George independent agent. Shop 10+ carriers — Progressive, Dairyland, Foremost, Nationwide. Call (435) 628-0993.
Motorcycle insurance in Utah typically runs $18–$95/month depending on bike type (cruiser, sportbike, adventure, or dirt), engine size, rider age and experience, and whether you use a lay-up policy for winter storage. Call (435) 628-0993 for a same-day Utah motorcycle quote.
OnPoint Insurance Group is a licensed independent agent that shops 10+ A-rated motorcycle carriers — Progressive, Dairyland, GEICO, Foremost, Nationwide, Liberty Mutual, and more — with custom-parts & equipment coverage, lay-up storage credits, accessory limits for saddlebags and hard cases, and trike / sidecar endorsements for St. George, Cedar City, Zion, and the Wasatch Front.
Reviewed by Kip LeeLicensed UT / NV / AZ agent since 2005Last updated
Motorcycle Insurance built for Southern Utah
Liability & physical damage
Required Utah liability plus comprehensive and collision for your bike.
Accessories & gear
Schedule helmets, jackets, saddlebags, and custom parts above standard limits.
Multi-vehicle discounts
Bundle motorcycle with auto, home, or RV for additional savings.
Lay-up policies
Reduced premium during winter months when you're not riding.
Trike and sidecar coverage
Specialty endorsements for non-standard configurations.
Off-road and dual-sport
Coverage for dirt bikes, dual-sports, and ATV/UTV beyond street-legal use.
What you actually need to know about motorcycle coverage
Utah requires the same 30/65/25 liability minimum for motorcycles as it does for cars, but those limits don't go far on a bike where a serious crash often means major medical bills. We build every policy with higher liability, strong PIP/MedPay, and uninsured/underinsured motorist as the baseline — whether you ride in St. George, Salt Lake City, Provo, or Logan.
Standard policies cap custom parts at $1,000–$3,000 and leave fair-weather riders paying full premium year-round. We schedule your pipes, paint, bags, and gear to actual value and add lay-up endorsements where they make sense, so you save during the off-season without losing comp protection.
The Southern Utah details that change which policy fits
Southern Utah's Snow Canyon Parkway, the Twist of the Dragon, Kolob Terrace, and the Pine Valley loop draw riders from across the West — and concentrate exactly the sweeping, high-speed corners where a single mistake means a serious medical claim. Utah's 30/65/25 minimum liability is wildly inadequate for that exposure. We default Utah motorcycle policies to 100/300/100 liability, $10K–$25K PIP, and matched uninsured/underinsured motorist — the three pieces riders skip most and need most.
Aftermarket gear is where most riders get quietly underinsured. A Vance & Hines exhaust, custom paint, hard bags, a $600–$1,200 helmet, a stereo, and a touring windshield can stack to $5K–$10K on top of a stock bike, but standard custom-parts coverage caps at $1K–$3K. We schedule modifications explicitly so the agreed value matches what you've actually invested — and we pair lay-up endorsements (Dec–Feb comp-only) with most Utah policies for a 15–25% annual savings without leaving you exposed to theft or hail.
Cheap online motorcycle policy vs. how we build a Southern Utah motorcycle policy
Liability limits
Utah minimum 30/65/25
100/300/100 default, higher available
Uninsured / underinsured motorist
Often declined to lower premium
Matched to liability limits by default
Personal Injury Protection (PIP)
Utah minimum $3K
$10K – $25K, real medical coverage
| Coverage piece | Bare-minimum online quote | OnPoint Southern Utah build |
|---|---|---|
| Liability limits | Utah minimum 30/65/25 | 100/300/100 default, higher available |
| Uninsured / underinsured motorist | Often declined to lower premium | Matched to liability limits by default |
| Personal Injury Protection (PIP) | Utah minimum $3K | $10K – $25K, real medical coverage |
| Custom parts & equipment | $1K – $3K base cap | Scheduled to actual invested value |
| Helmet & riding gear | Not covered | Itemized under personal effects |
| Lay-up / seasonal discount | Rarely offered | Applied automatically Dec – Feb |
| Trackday or racing | Excluded — no alternative offered | Specialty trackday policy quoted separately |
| Touring trip extensions | Default territory only | Pre-screened for Mexico / Alaska / extended trips |
Coverage examples shown are illustrative and for general comparison only. Actual policy terms, limits, endorsements, discounts, and availability vary by carrier, eligibility, and underwriting. Nothing on this page is a quote, binder, or guarantee of coverage. Contact an OnPoint agent for a personalized review.
Scenarios we've actually handled
Hailstorm in Washington Fields
A summer storm dropped golf-ball-sized hail across Washington Fields one July afternoon. A client's bike took $4,800 in damage to the tank, fairings, and aftermarket exhaust. Because we'd scheduled the custom exhaust and paint at $3,200, the claim paid out the full repair — instead of being capped at a $1,000 base custom-parts limit and leaving the client $3,800 short.
Deer strike on Highway 18
A rider on the Snow Canyon Parkway loop hit a deer at dusk and went down. Bike was totaled. Medical bills exceeded $80K. The 100/300 liability and $25K PIP we'd written meant medical was handled immediately without a fight with health insurance, and the agreed-value totaled-bike payout funded a replacement within a month.
Uninsured driver on I-15
A St. George client was rear-ended on I-15 by an uninsured driver. Injuries were significant. The client's own underinsured-motorist coverage paid out the full $100K limit while the at-fault driver went into collections. Without UM/UIM, the entire claim would have been a years-long lawsuit against someone with no money.
Motorcycle insurance in St. George & Southern Utah
We're headquartered in St. George and Southern Utah is where we ride, write, and handle claims every day. Year-round riding on SR-9, SR-18, Snow Canyon Parkway, the Kolob Terrace loop, and the run out to Pine Valley means real exposure to summer hail in Washington Fields, tourist traffic through Zion, and deer at dusk along the Highway 18 corridor. We default to higher liability, $10K–$25K PIP, robust UM/UIM, and scheduled custom parts on every Southern Utah motorcycle policy we write.
Pair your bike policy with auto, RV, or home for multi-policy discounts, or jump straight to our cheapest Utah motorcycle quotes page if price is the priority.
Statewide coverage — Salt Lake City, Provo, Ogden, Park City & Logan
Licensed across Utah. We quote, bind, and service your motorcycle policy by phone, text, or email — no in-person visit required.
Salt Lake County & Wasatch Front
- Salt Lake City
- West Valley City
- West Jordan
- Sandy
- Murray
- Draper
- South Jordan
- Millcreek
Utah County
- Provo
- Orem
- Lehi
- American Fork
- Pleasant Grove
- Spanish Fork
- Saratoga Springs
- Eagle Mountain
Weber & Davis Counties
- Ogden
- Layton
- Bountiful
- Roy
- Clearfield
- Kaysville
- Syracuse
- Farmington
Park City & Summit / Wasatch Back
- Park City
- Heber City
- Midway
- Kamas
- Coalville
Cache Valley & Northern Utah
- Logan
- North Logan
- Smithfield
- Hyrum
- Brigham City
- Tremonton
Coverage that fits the way you actually live here
We write motorcycle, scooter, and off-road policies statewide — from St. George, Hurricane, Cedar City, and Ivins in Southern Utah to Salt Lake City, Provo, Orem, Ogden, Layton, Park City, Logan, and every canyon and county between. Headquartered in St. George with riders insured all across Utah.
Mon–Fri 9:00 AM – 5:00 PM · St. George, UT
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Motorcycle Insurance questions, answered
Straight answers from a local agent. Have another question? Call us at (435) 628-0993.
We compare 10+ Utah motorcycle carriers — Progressive, Dairyland, Geico, Liberty Mutual, Foremost, Nationwide and more — and apply every discount you qualify for automatically.
Motorcycle Insurance across Southern Utah
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