ATV Insurance

Is insurance required for all-terrain vehicles?

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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.

Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s property and casualty insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy and Yahoo! Finance.