How Our ATV Insurance Calculator Works

To provide an accurate estimate, our calculator considers a range of factors:

ATV Details

• Make, model, and year

• Engine size (cc)

• Estimated value

• Modifications or aftermarket accessories

Personal Information

• Your age

• Riding experience

• Where the ATV is stored and primarily used

Usage Information

• Primary use (recreational, racing, farming/ranching)

• Estimated annual hours of use

• Typical riding terrain (trails, private land, public roads)

Coverage Preferences

• Desired liability limits

• Comprehensive and collision options

• Additional coverages (medical payments, uninsured/underinsured motorist, custom parts)

Our calculator uses this information to estimate your base premium, adjust for personal and vehicle factors, and show how different coverage levels affect your cost. You’ll also see potential discounts based on your profile and choices.

Factors Affecting ATV Insurance Rates

Several key elements influence your ATV insurance premium:

• Type and Size of ATV: Larger, high-performance, or specialty ATVs generally cost more to insure.

• Value of the ATV: Higher-value ATVs typically require more comprehensive coverage, which can lead to higher premiums.

• Rider’s Age and Experience: Younger or less experienced riders often pay more.

• Location and Usage: Where you live and how you use your ATV (e.g., rough terrain or high-theft areas) impact your rate.

• Coverage Levels: More comprehensive plans with higher limits increase your premium but offer better protection.

• Driving Record: A clean record can earn you lower rates and special discounts.

Understanding ATV Insurance Coverage Options

Liability Coverage
Covers costs if you’re responsible for injuries to others or damage to their property while operating your ATV.

Comprehensive Coverage
Protects against non-collision incidents like theft, fire, vandalism, or weather damage.

Collision Coverage
Covers damage to your ATV from collisions with vehicles, objects, or rollovers, regardless of fault.

Additional Coverages

• Medical payments for you and your passengers

• Uninsured/underinsured motorist protection

• Custom parts and equipment coverage

• Roadside assistance for breakdowns or towing needs.

Average ATV Insurance Costs

• Basic Liability Coverage: Typically ranges from $81 to $135 per month, depending on your location, vehicle, and coverage choices.

• Comprehensive and Collision: Adding these options increases your premium but provides broader protection.

• Discounts: Save by bundling policies, insuring multiple vehicles, maintaining a clean driving record, or completing safety courses.

Tips to Lower Your ATV Insurance Premium

• Take an ATV safety course

• Choose a higher deductible

• Bundle with other insurance policies (auto, home, etc.)

• Install anti-theft devices

• Maintain a claim-free or accident-free record

• Ask about loyalty, multi-policy, and experienced rider discounts

What’s Next?

After using our calculator:

• Review your estimated coverage and costs

• Adjust coverage levels to find the best balance of protection and affordability

• Request a detailed quote from our insurance experts for a precise estimate

• Consult with an agent to discuss your specific needs and any questions

Why Choose Blake Insurance Group?

Our team is dedicated to helping you find the right ATV insurance, tailored to your vehicle, your adventures, and your budget. Contact us today to get started, and let’s make sure your next ride is safe and secure.

Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am – 5:00 pm

Ride smart, stay protected, and enjoy the trail ahead!