ATV Insurance Coverage and Cost

ATV insurance safeguards both you and your off-road vehicle if you drive an ATV, UTV, or side-by-side. Liability coverage within your ATV/UTV policy provides coverage for any property damage or injuries resulting from your riding activities.

ATV Insurance Coverage and Cost

Moreover, coverage for off-road vehicles can also cover repair or replacement costs for your ATV or UTV if they sustain damage. Several insurance providers extend additional coverage options to safeguard any enhancements made to your vehicle, along with protective gear and personal belongings transported while riding.

How Does it Work?

When securing ATV insurance, you have the flexibility to use your policy according to your specific vehicle. Generally, the coverage you choose and the limits you set will directly impact the overall cost of your policy.

Understanding the factors influencing ATV insurance pricing can be beneficial. Moreover, if you cause injuries or damage to another individual or your vehicle sustains damage in an accident, your provider may compensate for losses after deductibles are applied.

Additionally, ATV policies offer one-year comprehensive coverage, safeguarding your vehicle against theft, vandalism, and weather-related damage. This coverage can carry on even during periods of inactivity, such as the winter months when the vehicle is in storage.

How Much Does ATV Insurance Cost?

Several factors could contribute to the expense of your ATV insurance, such as the various types of coverage you secure, the limit you set, and the deductible amount you choose.

What Does ATV Insurance Cover?

ATV insurance protects in case of accidents or damage incidents. Additionally, ATV insurance usually includes liability, collision, and comprehensive coverage, along with add-ons like uninsured or underinsured ATV coverage.

Moreover, similar to other power-sports policies, the extent of coverage is determined by the specific policy limits you choose.

Bodily Injury Liability

If you are responsible for an accident resulting in injury to someone else, this coverage can assist in covering their medical expenses and any lost income. However, it’s advisable to consult your state laws to determine if this coverage is mandatory in your circumstances.

Property Damage Liability

This coverage aids in covering the costs associated with damages to another individual’s vehicle or property if you are responsible for an accident.

Collision Coverage

Collision coverage covers expenses for repairing or replacing your ATV if you collide with another vehicle or object, are struck by another vehicle, or experience a rollover. Additionally, it adds up to $2,000 for safety apparel. Moreover, collision coverage might be mandated depending on whether you lease or finance your ATV.

Comprehensive Coverage

This coverage assists in covering the costs associated with damage to your ATV resulting from vandalism, theft, weather-related incidents, and accidents. Furthermore, it protects custom ATV parts and equipment.

Uninsured or Underinsured Motorists

This coverage offers protection for both you and your ATV in cases involving uninsured drivers, and it may extend to cover hit-and-run accidents as well. Additionally, it safeguards you from situations where other drivers lack sufficient insurance to cover accident costs.

Medical Payments

It’s commonly referred to as personal injury protection (PIP). Medical payment coverage (med pay) assists in covering medical expenses associated with an accident, regardless of fault.

OEM Endorsement

This coverage ensures ATVs undergo repairs using new parts from the original equipment manufacturer (OEM) whenever they are accessible. If an OEM part is unavailable, reimbursement will be based on the fair market value of the new OEM part. This coverage is applicable for vehicles aged less than 10 years.

ATV Insurance Discount

ATV insurance serves to safeguard both you and your all-terrain vehicle (ATV) in the event of an accident without breaking the bank. Moreover, ATV insurance discounts are designed to help you save money. You can explore various discounts to find out which ones you qualify for.


You can qualify for an all-terrain vehicle insurance discount if you also have car insurance, life insurance, or home insurance with us.


You can save on your insurance premiums by insuring your motorcycles, snowmobiles, and scooters with us. However, it’s important to note that personal watercraft are excluded from this discount.

ATV Safety Course

Undergoing an ATV safety course not only assists your safety while riding but also protects your ATV insurance premiums. Additionally, you can receive a discount on your insurance rates when you successfully finish an approved safety course.

Theft-Recovery Device

Did you know that a professionally installed radio or GPS theft-recovery system for your ATV can lower your comprehensive coverage expenses? It’s a simple way to protect your investment and save on insurance costs.

How to Compare ATV Insurance

When comparing ATV insurance quotes from different companies, it’s important to select identical coverage, limits, and deductibles for each quote. This ensures an accurate comparison of the quotes.

Select your coverage

Evaluate the various coverage types offered in the policy and carefully consider any optional coverage you may wish to include.

Consider your Finances

Consider your financial situation when selecting a limit, which represents the maximum amount your insurer will cover for a covered claim.

Choose your Deductions

A deductible is the coverage amount paid for a covered claim, with your insurer covering the remaining expenses. However, it’s important to select the same deductible amount when comparing ATV insurance quotes.


ATV insurance coverage requirements differ from state to state and may even be within counties. However, it’s essential to determine the specific insurance requirements applicable to your location.