In 2018, an estimated 81,800 people were treated for emergency ATV-related injuries in the U.S. (Consumer Product Safety Commission). If you have an all-terrain (ATV), utility task (UTV), or similar off-road vehicle, make sure you have the right coverage to protect you if the unexpected happens.
Today, we’ll cover what insurance options you have for your off-road vehicle. The exact coverage you need will depend on where, how, and why you use your vehicle. If you use it solely for recreation, for example, you may need different coverage than if you use it daily for work purposes.
Is ATV insurance required?
ATV/UTV insurance is required in certain states, in many state parks, and on other state-owned land. Even if insurance isn’t mandatory in your area or on your private property, you could still be held financially responsible if you’re involved in an accident. Riding off the beaten path and exploring new places comes with unique challenges and risks. The last thing you want to do after a sudden accident is pay thousands of dollars out of pocket.
Basic ATV/UTV Insurance Coverage
It’s important to note that many insurance carriers cover ATV insurance under their motorcycle policies; however, insuring your ATV will generally cost less than insuring a motorcycle. Also note that a UTV will probably be considered an ATV in the insurance-buying process. To keep things simple throughout the rest of this article, we’ll use “ATV,” which could refer to your ATV, UTV, or other off-road vehicle.
Here are the basic types of coverage to consider for your ATV.
Liability (Bodily Injury and Property Damage)
Bodily injury liability will protect you if another person is injured in an accident that is your fault. Even if someone borrows your ATV or drives it without permission and gets into an accident, you could be held responsible. Insurance will help pay for medical bills and legal fees, up to the limits of your policy.
Property damage liability will cover costs involved if you damage another person’s property: their vehicle, home, yard, or other belongings.
If you collide with another vehicle or your ATV flips, collision insurance will cover costs to repair the damage—after you pay your deductible.
Comprehensive coverage will pay for damage to your ATV for reasons other than collision with another vehicle. It covers things like theft, vandalism, fire, and weather-related damage.
This insurance helps cover medical payments for you and any of your passengers.
If you have an accident involving a driver who is either uninsured or underinsured, this type of insurance will help pay to repair or replace your vehicle.
Specialized Coverage Options
Here are additional insurance options offered by certain carriers specifically for ATV owners. Be sure to work with your insurance agent to communicate exactly what you need so he or she can help you find the best carrier and customize your policy.
Accessories and Custom Parts
Some insurance companies, such as Progressive, will cover extra things like riding gear, upgrades you make to your vehicle, plows, and radios. If you’re in an accident and any covered accessories are damaged, you’ll be protected—up to the limits stated in your policy. Keep in mind similar coverage may be offered by other carriers under a different name.
If you use your ATV to haul gear and equipment for work or play, make sure your insurance extends to your personal belongings. Things like hunting gear, camping gear, or a cell phone can cost a lot to replace out of pocket if you accidentally drop, lose, or damage it.
If you use a trailer to transport your ATV, consider adding trailer coverage to your policy.
Certain carriers, like Safeco, offer OEM coverage. If your vehicle is damaged, OEM coverage will ensure your vehicle is properly repaired using parts from the original equipment manufacturer. Without this coverage, the carrier may use aftermarket parts to repair your vehicle.
Other Types of ATV Insurance
- Optional equipment coverage
- Safety apparel coverage
- Total loss coverage for new ATVs
- Disappearing deductibles
- Roadside assistance and trip interruption
ATV Insurance Exclusions
Two common exclusions to normal ATV insurance policies include riding on roads or highways and coverage for loss or damage due to organized racing. Be sure to only ride on roads and trails that are legal for ATVs, and ask your insurance carrier for special coverage if you’re planning on participating in any racing events.
How much does ATV insurance cost?
ATV insurance usually costs less than motorcycle insurance since motorcycles typically travel farther and faster. But just like any type of insurance, your ATV insurance cost will depend on various factors, including your location, age and driving history, and your vehicle’s year, make, and model. Different carriers will offer different options, pricing, and discounts. Getting multiple quotes is the best way to find the most suitable and affordable option for you.
Get a Quote for Your ATV or UTV
We offer insurance from some of the best carriers for off-road vehicles, including Progressive, Foremost, and Safeco. Some carriers will cover both on-road and off-road ATV use. Others let you bundle your policies for discounted rates. Let us know if you’d like to bundle your ATV/UTV policy with your auto, home, or other insurance policy. You can request a quote from us online, or reach out to us directly with any questions or concerns you have. We’re always happy to help!