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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

What is ATV insurance?

Whether or not you need all-terrain vehicle insurance depends on whether you own or lease your ATV, where you live, and where you ride. In this article, we’ll define ATV insurance, list the companies that sell it, and outline when it's necessary.

  1. When is ATV insurance required?
  2. What does ATV insurance cover?
  3. Which companies provide ATV insurance?

When are you required to insure your ATV?

When 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 via 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. 

What does an ATV insurance policy cover?

Depending on your needs, ATV insurance can include liability, collision, comprehensive, and underinsured/uninsured motorist coverage.  

  • 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.

Some insurance providers also offer the following coverage options:

  • Medical payments: covers medical treatment for you and your passengers.
  • Optional equipment coverage: provides additional cash for your ATV’s equipment, only applicable if you have comprehensive and collision.
  • Trailer coverage: offers physical coverage for the trailer that transports your ATV.
  • Roadside assistance: tows your ATV to the nearest repair shop if your vehicle is disabled within 100 feet of the road.
  • Trip interruption: if you’re stranded away from your home, this coverage will help pay for food and lodging.
  • OEM coverage: ensures your ATV will be repaired with the parts from the original equipment manufacturer.

Which companies provide ATV insurance?

Many popular US insurance companies provide insurance coverage for ATVs. Consider bundling your ATV insurance policy with other lines of insurance (home or car). Bundling can earn you a multi-policy discount and lower your monthly bill.

GEICO ATV insurance

  • Collision
  • Property damage
  • Bodily injury
  • Comprehensive
  • Medical payments
  • Uninsured motorist


Allstate ATV insurance

  • Liability insurance
  • Collision
  • Comprehensive

Nationwide ATV insurance

  • Bodily injury liability
  • Property damage
  • Collision
  • Comprehensive
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • OEM coverage
  • Medical payments


Esurance ATV insurance

  • Liability coverage
  • Collision and comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments coverage
  • Optional equipment coverage
  • Transport trailer physical damage coverage


Foremost ATV insurance

  • Safety apparel coverage
  • Optional equipment coverage
  • Medical expenses
  • Liability Coverage
  • Collision insurance
  • Trailer Coverage


Progressive ATV insurance

  • Bodily injury and property damage liability
  • Uninsured/underinsured motorist bodily injury and property damage
  • Comprehensive and collision
  • Medical expenses
  • Accessories and custom parts/equipment
  • Total loss coverage for new ATVs
  • Disappearing deductibles
  • OEM parts
  • Carried contents
  • Roadside assistance and trip interruption


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.

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.