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Motorcycle Insurance Minimum Requirements in Utah
If you drive―or ride―a motor vehicle on Utah roads, you are required to take financial responsibility for any damage or injury your vehicle causes. This is called liability. In Utah, all highway vehicles must be covered by a liability insurance policy.
Ways to Establish Financial Responsibility
An insurance policy covering liability is the only approved way to establish financial responsibility.
Two-Wheeled Vehicles Defined
All motor vehicles with an engine of 40 cc or more need to be registered, and all registered vehicles need to be insured. These include motorcycles, motor-driven cycles, and motor scooters.
- Motorcycle: Every motor vehicle, other than tractors, that has a seat and one to three wheels.
- Motor-Driven Cycle: Any motorcycle, scooter, or motorized bicycle that has an engine smaller than 150 cc and not more than five horsepower.
- Motor Scooter: A self-propelled vehicle in which the rider remains standing. This vehicle can be run on human power alone.
NOTE: A moped does not require registration, unless it has an engine of 50 cc or higher.
If you’re not sure whether your bike or scooter needs to be insured, call the Division of Motor Vehicles at (800) 368-8824.
Utah Insurance Requirements for Motorcycles
- Liability Insurance:
- $25,000 per person for bodily injury
- $65,000 per accident for bodily injury
- $15,000 per accident for property damage
- Personal Injury Protection (PIP): Utah’s no-fault law requires that you also have at least $3,000 in PIP coverage. This insurance covers your medical care if you’re injured.
How Coverage Affects Helmet Requirements
Insurance coverage has no effect on helmet requirements in Utah.
Proof of Insurance and Financial Responsibility
When you buy an insurance policy, your insurance company will send you a “proof of insurance” card. Keep this card with you when you ride, because you’re required to show it to any peace officer who asks to see it.
Also, the Utah DMV compares their list of registered vehicles against a list of insurance policy holders. If they discover you do not have insurance, they will send you a letter asking you to submit proof of insurance.
Penalties for Failure to Maintain Financial Responsibility
If you have no proof of insurance or cannot provide it when requested, you will be reported to law enforcement and the DMV. If you are convicted of driving without insurance, your license and registration may be suspended and you will be charged a fine of at least $400 for a first offense.
In This Section
Other Topics in This Section
- Auto Insurance Requirements
Utah car insurance information center. What insurance to buy in Utah, how to decide, compare policies, purchase UT car insurance.
- Commercial Auto Insurance Minimum Requirements
Commercial vehicle insurance requirements in UT. Protect your rig or your fleet by maintaining proper financial responsibility on your commercial vehicles in Utah.
- Penalties For Driving Without Insurance
Learn More On Penalties For Driving Without Insurance In Your State. No Insurance Violations Vary By State. Avoid Allowing You Car Insurance Policy To Lapse.
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