Is insurance required for all-terrain vehicles?
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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.
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.
Depending on your needs, ATV insurance can include liability, collision, comprehensive, and underinsured/uninsured motorist coverage.
Some insurance providers also offer the following coverage options:
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.
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.
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 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.