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Utah Motorcycle Insurance Requirements

Utah Motorcycle Insurance Requirements

Utah is located in the western region of the United States. Based on overall area, this state is larger than average, but in terms of population, it is below the nation’s average. It is among the top ten least densely populated states. Nearly four-fifths of the state’s population lives near Salt Lake City near the Wasatch Front; there are vast areas of this state that remain uninhabited. Utah has been nicknamed the “Beehive State” because the beehive became the official state emblem. Residents in this state relate to the beehive symbol because it represents perseverance. This symbol can be clearly seen on the state flag.

In this state, The Church of Jesus Christ of Latter-day Saints (Mormon religion) plays an important role in society. Nearly three-fifths of the population is affiliated with this religion – the world headquarters for this group is in Salt Lake City (the state’s capital). The economy for this state is diversified among sectors of mining, cattle ranching, salt production, and government services. Other areas that help shape the economy include outdoor tourism, information technology, and education.

Utah Motorcycle Insurance

Do you want to drive your motorcycle in the state of Utah? If you plan on operating a motor vehicle in this state, you first need to establish financial responsibility. Establishing responsibility is a legal obligation that must be met to help keep the roads safe and fair for all drivers. If you were to get into an accident and injure another person and/or inflict property damage, you would be required to pay reimbursement for those damages. Having adequate financial responsibility means that you will be able to financially cover any damages.

How to Establish Financial Responsibility in Utah

There is only one option to establish financial responsibility in this state – you must get liability coverage. This coverage must meet the state’s required minimums for bodily injuries and property damage. If you buy your coverage from a major insurance carrier, they will make sure that your policy meets the various state requirements.

  • Liability Insurance Policy: You can buy liability coverage from a state-authorized provider. This is the only acceptable way to prove financial responsibility in Utah.

Note: In many other states there are alternatives to liability coverage. However, in the state of Utah, you must have insurance if you plan to operate a motor vehicle on public roads.

Motorcycles / Two-Wheeled Vehicles Defined

It is important to understand the classification of your two-wheeled vehicle. Most people understand the difference between a motorcycle, moped, and scooter. However, definitions for two-wheeled vehicles can sometimes get confusing. Vehicles are classified differently depending on the state in which they are driven. Below are definitions for two-wheeled vehicles in the state of Utah.

Motorcycle: A motor vehicle (other than a tractor) that has a seat or saddle for the use of the rider that is designed to travel with not more than three wheels in contact with the ground.

Motor-Driven Cycle: A motorcycle, motor scooter, moped, electric assisted bicycle, motor assisted scooter, and every motorized bicycle that has an engine with less than 150 cc engine displacement OR a motor that produces less than 5-horsepower.

Motorized Bicycle: There are a couple different types of motorized bicycles.

  1. Moped: A motor-driven cycle having pedals to permit propulsion by human power and a motor that does not exceed 2-brake horsepower. These must not exceed top speeds of 30 mph on a level surface. If an internal combustion engine is used, its piston displacement must not exceed 50 cc. Power drive system must function automatically.
  2. Electric-Assisted Bicycle: Any moped with an electric motor that has a power output of less than 1,000 watts and is not capable of propelling the device more than 20 mph on level surface.

Motor Assisted Scooter: A self-propelled device with at least two wheels in contact with the ground and a braking system capable of stopping the unit under typical operating conditions. The gas or electric motor must not exceed 40 cc displacement. These must have a deck for standing or a seat to sit upon for the operator.

Note: If you are still confused about your vehicle’s classification, you can contact the Utah Division of Motor Vehicles at the following number: (800)-368-8824. They have personnel that is trained to help you determine vehicle classification, registration requirements, and required insurance.

Utah Motorcycle Insurance Requirements

Each state has specific limits that must be met when it comes to liability coverage. In the state of Utah, the limits for a liability policy are commonly abbreviated as “25/50/15.” Each number represents an amount (in thousands of dollars) for a specific aspect of the required coverage. In addition to basic liability coverage, you must also have Personal Injury Protection a.k.a. PIP insurance. Keep the following amounts below in mind as you shop for a policy.

Minimum Liability Insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $15,000 property damage per accident

Personal Injury Protection (PIP):

  • $3,000 per accident

All drivers must purchase a policy that provides at least “25/50/15” towards liability coverage. Additionally, everyone must have Personal Injury Protection (PIP) insurance to help with medical expenses in an accident. As you can see, the minimum amount is $3,000 – but you may want to increase your limits if you don’t think this is enough. All it takes is one accident to rack up some serious expenses. If you exceed the minimums listed above, you will end up having to pay the excess amounts from your own finances.

Utah Motorcycle Laws: Safety & Licensing Requirements

Each state has guidelines that must be followed by motorcyclists. In order to abide by state laws, you must know whether you need to wear a helmet, use protective eyewear, as well as the licensing that you are required to obtain. Below are some basic requirements to keep in mind before you drive.

  • Helmets: All drivers under 18 years of age are required to wear helmets. All helmets must be in compliance with the FMVSS 218 standard.
  • Eye Protection: Although you are not required to use eye protection, it is highly recommended to maximize your safety.
  • Headlights: You are not required to use headlights during the daytime, but it is recommended to enhance your visibility.
  • License: In order to drive, you must first obtain an official Motorcycle Endorsement on your driver’s license. A motorcycle endorsement or license can be obtained by taking state-licensed testing. The testing will include both a written (knowledge-based) test, followed by a skills (road-based) test. If you have already taken a Beginning Rider Course (BRC) or Experienced Rider Course (ERC), you may not be obligated to take the road-based skills test.

Proof of Insurance / Financial Responsibility in Utah

Anytime you purchase insurance, you will receive proof of insurance coverage. This proof generally comes in the form of an identification card. Anytime you are pulled over by a police officer, they may ask to see proof of insurance. If you are unable to show them proof, you will likely face penalization.

  • Insurance Identification Card: This contains essential information about your insurance policy and should be kept with you at all times while driving. It links your insurance to your name and motorcycle.

Another instance in which having proof is necessary is when you get into an accident. Accidents require exchanging insurance information with other drivers or individuals that were affected. In this case, having your card will show others that you have valid insurance and that damages will be properly reimbursed in a settlement.

Penalties for Driving Without Insurance in Utah

Anytime you drive without insurance, you are going to be penalized. Even though you may get away with it for awhile, the law will eventually catch you. All it takes is getting pulled over and/or a single accident for you to face the consequences.

  • Fines: Individuals that are caught driving without insurance are fined $400 minimum as a first offense. For a second offense the fine jumps to $1000.
  • Misdemeanor: It is considered a “Class B” Misdemeanor to drive without insurance in Utah.
  • Court: All individuals that are caught driving without insurance are obligated to make a court appearance.
  • Jail: You may end up having to serve time in jail for operating your vehicle without coverage. Maximum penalty is 180 days in jail.
  • Suspensions: Both your driver’s license and registration will be suspended. This means that you will not be able to drive and nobody will be able to drive your vehicle.
  • Reinstatement Fees: After you have served your suspension period and paid your fines, you must also prove that you are insured. When the time comes, you must pay reinstatement fees to get your license and registration reinstated.

Note: The easiest way to avoid all of the penalties above is to always purchase adequate insurance and maintain coverage.

Utah Motorcycle Insurance Companies

There are plenty of different insurance carriers in the state of Utah. If you want to make sure you get the best deal, it’s a good idea to comparison shop. To start your search it is highly recommended that you collect some free quotes from top providers in your area. To conduct this free quote comparison, use the Zip Code form below (or at the top of the page). Simply enter your Zip Code, and a list of top companies based on your location will be shown.

It is up to you to take the time to enter some basic information about yourself so that the quotes can be accurately generated. Once you have collected projected quotes from various top providers, you can compare prices. Which company seems to offer the lowest rates? Also determine which company seems to offer the most coverage. Compare rates with total coverage and settle on the company that is providing the most value for your money!

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