ATV Insurance
ATV insurance provides essential coverage for your off-road vehicle, including liability, collision, comprehensive, and medical payments, ensuring protection against accidents, theft, and damage.
What is ATV insurance?
ATV insurance helps protect you, your passengers, and your ride when things don’t go as planned. It can cover damage to your ATV, injuries, or costs if you accidentally hurt someone or damage their property. Even if your state doesn’t require it, having ATV insurance can give you peace of mind every time you hit the trail.
Are you required to insure your ATV?
Whether ATV insurance is required (and what level of insurance is necessary) depends on several factors. Some states require liability coverage for any ATV driven on public lands. Other states require insurance for ATVs regardless of whether they're operated on public or private grounds. Consult your state’s department of motor vehicles for details.
If you’re financing your ATV, your lienholder may require you to cover your vehicle with liability and physical coverage. If you own your ATV, the choice of whether to purchase insurance is up to you. As a general rule, if you can't afford to replace it, you should insure it.Â
What does an ATV insurance policy cover?
Depending on your needs, ATV insurance can include liability, collision, comprehensive, and underinsured/uninsured motorist coverage. Â
- Liability coverage: pays for damage you cause to other ATVs or their drivers
- Collision coverage: covers your ATV if you collide with a fixed object, subject to a deductible.
- Comprehensive coverage: protects your ATV from weather-related damage, vandalism, and theft.
- Underinsured/uninsured coverage: repairs or replaces your ATV if it is damaged by an uninsured driver or a driver without sufficient coverage.
GEICOÂ
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Covers ATVs, UTVs, and four-wheelers; includes liability, collision, and comprehensive options.
AllstateÂ
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Off-road vehicle policies with options for collision and liability.
NationwideÂ
- Policies tailored for ATV repairs and replacements through its repair network.
Farmers:
- Off-road insurance with trailer coverage and higher liability limit options.
USAA:
- ATV insurance for military members and families, offering standard protection plans.
Liberty Mutual
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ATV and off-road coverage with flexible add-ons and repair options.
Nationwide:
- Policies tailored for ATV repairs and replacements through its repair network.
ProgressiveÂ
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Customizable coverage with accessory protection and bundle discounts.
All-terrain vehicles can be a lot of fun, but you need to make sure they’re properly insured. You might not need all the features we listed above but it’s definitely a good idea to add liability and collision to your ATV.
Smarter coverage starts here
ATV insurance FAQs:
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.