Motorcycle & ATV Insurance in Utah for Riders Who Want Peace of Mind

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Do You Need Insurance for Your Motorcycle or ATV?

Motorcycles, ATVs, and other powersports vehicles require specialized insurance that a standard auto policy won’t cover. In Utah, street-legal motorcycles are required by law to carry liability insurance, similar to cars. ATVs and off-road vehicles may not always be legally required to carry insurance, but having coverage is a smart way to protect yourself, your passengers, and your investment—especially when riding on public lands or trails.


At B&B Insurance, we help riders across Utah understand exactly what coverage they need and how to get it without overpaying.

What Motorcycle & ATV Insurance Covers

Coverage can be customized based on how and where you ride. Common options include:

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Liability Coverage

Covers injuries or property damage you cause to others. Required for street-legal motorcycles in Utah.

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Collision Coverage

Helps pay to repair or replace your bike or ATV if it’s damaged in an accident.

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Comprehensive Coverage

Protects against theft, vandalism, fire, hail, or other non-collision losses—especially important for trailhead or garage theft.

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Uninsured / Underinsured Motorist

Covers you if you’re hit by a driver who doesn’t have enough insurance.

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Accessory & Equipment Coverage

Accessory & Equipment Coverage

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Guest Passenger Liability

Important if you carry passengers on your motorcycle.

We’ll explain each option clearly and help you decide what makes sense for your riding style.

Built for Utah Riders and Off-Road Enthusiasts

Utah offers incredible riding—from canyon roads and scenic highways to mountain trails and desert dunes. With that freedom comes unique risks:

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Motorcycles face higher injury risk in accidents.

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ATVs and side-by-sides can roll or be damaged on rough terrain.

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Seasonal riding means vehicles may sit unused part of the year.

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Theft from trailheads or storage areas is common.

Our local agents understand these realities and help tailor coverage so you can ride with confidence.

Ways to Save on Motorcycle & ATV Insurance

Protecting your ride doesn’t have to be expensive. We look for discounts and smart options, including:


  • Bundling with Auto or Home Insurance for multi-policy savings.

  • Experienced Rider or Safety Course Discounts

  • Seasonal or Lay-Up Options so you’re not overpaying when your bike or ATV is parked

  • Right-Sized Coverage based on your vehicle and usage

Motorcycle & ATV Insurance Questions, Answered

  • Do I need insurance for my motorcycle in Utah?

    Yes. Street-legal motorcycles must carry liability insurance that meets Utah’s minimum requirements.

  • Does my car insurance cover my ATV or off-road vehicle?

    No. Auto policies typically exclude ATVs and off-road vehicles. Separate coverage is needed.

  • How much is motorcycle insurance for a new rider in Utah?

    Costs vary based on the bike, coverage, and experience, but motorcycle insurance is often very affordable compared to auto insurance.

  • Do I need insurance if I only ride seasonally?

    Yes. Even seasonal riders benefit from coverage, and we can help reduce costs during the off-season.

Ride With Confidence—On the Road or the Trail

Riders across Riverton, Herriman, South Jordan, and Bluffdale trust B&B Insurance for clear advice, flexible coverage, and local support. Whether you’re cruising canyon roads or exploring backcountry trails, we’ll help keep you and your machine protected.