Utah motorcycle insurance is required on every registered motorcycle, and the minimum most riders still quote is wrong. The old 25/65/15 floor ended December 31, 2024. Policies issued or renewed on or after January 1, 2025 must meet 30/65/25 under Utah Code 31A-22-304. Those limits only cover what you do to someone else. They do not pay your injuries or the bike. A Salt Lake City commute and a weekend on the Alpine Loop are different uses. Below we cover the current floor, UM/UIM, guest passenger, custom parts, and the winter storage trap that starts when the bike goes in the garage.
Utah Motorcycle Coverage Checklist: 30/65/25, Helmets, Canyons, Winter
Many riders still quote Utah motorcycle minimums as 25/65/15. That was the floor through December 31, 2024. Utah Code 31A-22-304, as amended by H.B. 113, raised motor vehicle liability for policies issued or renewed on or after January 1, 2025 to $30,000 per person, $65,000 per accident, and $25,000 for property damage. A motorcycle is a motor vehicle under that statute. If your declarations page still shows 25/65/15, the policy is under the current legal floor. Pull it and check the three numbers before the next Wasatch ride.
Those minimums only pay what you do to someone else. They do not pay your injuries or the bike. A broken leg and surgery can reach six figures, which is already on this page. Going above 30/65/25 is how you keep a canyon claim from landing on personal assets.
What to set before you ride the Alpine Loop or commute I-15
| Check | Utah rule or gap | What we want on the policy |
|---|---|---|
| Liability limits | 30/65/25 is the current legal floor (Utah Code 31A-22-304). The old 25/65/15 figure is stale. | Confirm the dec page. Then go above the floor. $15,000 in property damage was the old number and does not replace many late-model cars. |
| Helmet and endorsement | Utah Code 41-6a-1505 requires a DOT-approved helmet for every rider and passenger under 21. Age 21 and older may ride without one. A motorcycle endorsement on the Utah driver license is still required to operate legally. | A legal helmet choice at 21 does not reduce medical bills. MedPay still belongs on the policy because it can help with covered medical expenses early, regardless of fault. |
| Commute vs canyon weekend | Salt Lake City I-15 commuting and a weekend on the Alpine Loop, Provo Canyon, or southern red rock are different uses. Carriers rate both. | Tell us how the bike is actually used. A commute bike and a canyon toy should not be described the same way. |
| Uninsured and underinsured motorist | A rider absorbs the full force of a collision. NHTSA data on this page already flags how overrepresented motorcyclists are in fatalities. | Carry UM and UIM and match them to your bodily injury limits or higher. Declining them in writing leaves no policy-level recovery when the at-fault driver cannot pay. |
| Guest passenger | Some carriers fold guest passenger liability into bodily injury. Others write it as its own coverage. | If you ride two-up on the Alpine Loop or through Provo Canyon, verify guest passenger liability is on the policy before the next passenger hops on. |
| Custom parts | Many motorcycle policies start at factory value plus a small built-in custom amount, often a few thousand dollars. | Schedule the real upgrades in thousand-dollar increments. Keep receipts and photos. An unscheduled exhaust, paint, or audio stack comes out of your pocket on a total loss. |
| Winter storage | Wasatch Front, Park City, Logan, and the northern valleys park bikes from late fall through early spring. Homeowners and renters do not cover a motorcycle in the garage. | Do not cancel. Ask us for a lay-up or storage option that keeps comprehensive on for theft, fire, and vandalism so the policy stays continuous. |
We write motorcycle coverage in Utah. If your dec page still shows the old 25/65/15, we can check it against the current floor. If you want the dec page checked against 30/65/25, UM/UIM, guest passenger, custom parts, and a winter storage plan, start at our Utah insurance page or send the declarations page.
Utah Requires Liability Insurance on Every Motorcycle
Utah’s minimum motorcycle liability limits are thirty thousand per person, sixty-five thousand per accident for bodily injury, and twenty-five thousand for property damage. Utah recently increased its per-accident bodily injury minimum, making it higher than many neighboring states. These minimums only cover what you do to someone else. They do not pay for your injuries or your bike. A motorcycle accident with a broken leg and surgery can reach six figures in medical costs. Going above the minimum protects your personal assets if a claim or lawsuit exceeds your policy limits.
Uninsured and Underinsured Motorist Coverage
The National Highway Traffic Safety Administration reports that motorcyclists continue to be overrepresented in traffic fatalities across the country. In Utah, uninsured and underinsured motorist coverage is especially important because the consequences of a collision are worse for riders than for people inside a vehicle. A rider absorbs the full force of impact. Broken bones, road rash, spinal injuries, and traumatic brain injuries are all more likely on a motorcycle. Uninsured and underinsured motorist coverage is the part of your policy that can step in when the at-fault driver has no insurance or not enough.
Seasonal Riding and the Storage Trap
Utah has a genuine off-season for many riders. Snow, ice, and cold temperatures in the Wasatch Front, Park City, Logan, and the northern valleys put motorcycles in garages from late fall through early spring. The temptation to cancel your policy during those months is real. But canceling creates a gap in coverage that carriers penalize when you come back. Some carriers charge reinstatement fees. Some reprice you as a new customer. Your homeowners or renters insurance does not cover a motorcycle in storage. A lay-up period or storage option keeps comprehensive in place for theft, fire, and vandalism while reducing or suspending other coverages. Talk to your agent about the best approach.
Passenger Coverage for Utah Riders
If you ride with a passenger on the Alpine Loop, through Provo Canyon, or anywhere else in Utah, verify that your motorcycle policy includes guest passenger liability. Some carriers include it in your standard bodily injury limits. Others separate it out as its own coverage. If it is not on the policy and your passenger is injured in an at-fault accident, the policy may not handle it the way you assumed. Medical payments coverage is also worth adding. MedPay can help with covered medical expenses early in the claim regardless of who caused the accident.
Custom Parts and Equipment
Utah riders invest in aftermarket modifications. Many motorcycle policies start by valuing the bike based on its factory equipment, unless custom parts and accessories are specifically included or scheduled. A common built-in amount is a few thousand dollars. If your upgrades exceed that, the difference comes out of your pocket on a total loss. Custom parts and equipment coverage increases the limit, usually in thousand-dollar increments. Document every modification with receipts and photos so you can prove what was on the bike if you need to file a claim.
What to Review in Your Utah Motorcycle Policy
Check your liability limits and go above the state minimum. Carry uninsured and underinsured motorist coverage and match it to your liability limits or higher. Verify guest passenger liability. Add MedPay. Make sure your custom parts coverage reflects what is actually on the bike. And have a storage plan for the winter months that keeps your coverage continuous without paying for coverages you do not need while the bike is parked.
If you need help with your Utah motorcycle insurance, get a quote from Western Pacific Insurance. Learn more about our Utah insurance coverage.
