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ATV insurance

Get on Board with ATV/UTV Insurance

Navigating the exhilarating realm of all-terrain vehicles (ATVs) necessitates skill and adventure and the assurance of robust insurance coverage. This article aims to demystify the complexities of ATV insurance, underlining its significance in safeguarding both you and your vehicle.

 We will delve into the various types of insurance, the determinants of coverage cost, and other essential facets to equip you with the knowledge to make well-informed decisions. Whether you’re an experienced ATV rider or a novice in the off-road domain, a thorough comprehension of ATV insurance is vital for financial protection and peace of mind.

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Understanding ATV/UTV Insurance

ATV Insurance

ATV/UTV insurance is a specialized policy designed to cover all-terrain vehicles, which are not typically protected under standard auto or homeowners insurance policies. Understanding the nuances of ATV insurance is crucial for riders who want to enjoy their vehicles with peace of mind, knowing they are adequately covered against potential risks.

What is ATV Insurance?

ATV insurance provides financial protection for all-terrain vehicle owners. It is similar to auto insurance but tailored explicitly to ATVs’ unique needs, often used in off-road conditions that present different risks compared to regular road vehicles. This type of insurance can cover various situations, including accidents, theft, vandalism, and other unforeseen events that could damage the vehicle or liability claims against the rider.

Why is ATV/UTV Insurance Necessary?

Standard auto insurance policies do not cover ATVs due to their off-road nature and the different risks they present. Homeowners insurance also typically excludes ATVs, primarily when operated off the owner’s property. Without proper ATV/UTV insurance, riders may face significant out-of-pocket expenses in the event of damage or liability issues. Additionally, ATV insurance may be legally required in certain areas, particularly on state-owned property or when the vehicle is used outside the owner’s land.

How Does ATV Insurance Differ from Auto or Homeowners Insurance?

ATV insurance differs from auto insurance because it is designed for vehicles not primarily used on public roads. It accounts for the increased risks associated with off-road use, such as collisions with natural obstacles or other ATVs and the potential for rollovers. Unlike homeowners insurance, which may offer limited coverage for ATVs while on the insured’s property, ATV insurance provides comprehensive protection regardless of where the vehicle is operated. It also includes coverage options tailored to the specific needs of ATV riders, such as coverage for custom parts and equipment.

Types of ATV/UTV Insurance Coverage

ATV/UTV insurance offers a variety of coverage options to protect riders from different risks. Here are the main types of coverage:

Liability Coverage

Liability coverage is often required, especially when riding on public or state lands. It covers damage to someone else’s property or injuries to others if you’re at fault in an accident. It typically includes two types of protection:

– **Bodily Injury Liability**: This coverage helps pay for medical bills and loss of income for the injured party if you cause an accident.

– **Property Damage Liability**: This coverage assists in payments for damages to another person’s vehicle or property if you cause an accident.

Collision Coverage

Collision coverage pays for damage to your ATV if you hit another vehicle or object, another vehicle hits you, or your ATV rolls over. This coverage is usually optional but may be required if you lease or finance your ATV.

Comprehensive Coverage

Comprehensive coverage pays for damage to your ATV resulting from non-collision accidents, such as vandalism, theft, weather events, and damage caused by an animal. Like collision coverage, this is usually optional but may be required if you finance or lease your ATV.

Medical Payments Coverage

Also known as Personal Injury Protection (PIP), medical payment coverage can help cover medical costs related to an ATV accident, regardless of who’s at fault. This typically covers expenses like X-rays, surgeries, and hospital stays.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage helps protect you and your ATV from drivers who do not have enough insurance to cover the costs of an accident. This coverage is optional and has limits per person and accident.

In addition, some policies may offer coverage for custom parts and equipment and OEM endorsement, which ensures that your ATV is repaired with new parts from the original equipment whenever available.

When purchasing ATV insurance, it’s essential to consider your coverage limits and deductibles. A coverage limit is the maximum amount the insurer will reimburse you for a covered loss, and a deductible is what you pay out of pocket before coverage kicks in. Higher deductibles typically mean lower premiums, but you’d pay more out of pocket when filing a claim.

Coverage Limits and Deductibles

Regarding ATV insurance, setting appropriate coverage limits and choosing deductibles are two of your most critical decisions. These factors not only influence the level of protection you have but also affect the cost of your insurance policy.

Importance of Coverage Limits

Coverage limits are the maximum amount an insurance company will pay for a covered loss. When selecting coverage limits for your ATV insurance, it’s essential to consider the value of your ATV and the potential costs of liability claims. If your coverage limits are too low, you could pay out of pocket for the difference if a claim exceeds your policy’s limits. On the other hand, very high limits may lead to higher premiums, so it’s about finding a balance that provides adequate protection without over-insuring.

Choosing Deductibles

A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in after a loss. Higher deductibles generally result in lower insurance premiums because you assume more of the financial risk yourself. However, choosing a deductible that you can comfortably afford is crucial in the event of a claim. If you set your deductible too high and cannot pay it when needed, your insurance won’t cover the loss until the deductible is met.

Impact on Policy Cost

The interplay between coverage limits and deductibles significantly impacts the cost of your ATV insurance policy. Opting for higher deductibles can make your premiums more affordable, but this means you’ll have more out-of-pocket expenses when you file a claim. Conversely, choosing lower deductibles will reduce your financial burden in the event of a claim but will increase your premium costs.

Final Considerations

When determining the proper coverage limits and deductibles for your ATV insurance, consider your financial situation, the value of your ATV, and your risk tolerance. It’s a personal decision that should align with your comfort level and financial goals while providing security. Always ensure that the limits and deductibles you select are ones that you can manage financially, both in terms of premium payments and potential claim scenarios.

Cost of ATV Insurance

The cost of ATV insurance can vary widely based on several factors. Liability coverage costs about $88 per year, while full coverage averages $327 per year. However, these costs can be as low as $7 per month depending on various factors such as location, driving and credit history, age, and the specifics of the insured ATV or UTV.

Factors Influencing the Cost of ATV Insurance

Type of ATV

The ATV’s make, model, and engine size can significantly impact insurance costs. For example, 4×4 vehicles, which can go almost anywhere, are the most expensive to insure.

Rider’s Experience

Insurance companies often consider the rider’s experience when determining premiums. A rider with more experience may be considered less risky and could receive lower rates.


Where you live and plan to ride your ATV can affect your insurance costs. Different states and counties may have varying insurance requirements and risk levels associated with riding terrain.

Coverage Limits and Deductibles

The coverage limits you select—the maximum amount your insurer will pay for a covered loss—and the deductibles—the amount you pay out of pocket before your insurance kicks in—will also influence the cost of your policy. Higher deductibles usually result in lower premiums, which means higher out-of-pocket costs when filing a claim.

Additional Factors

Other factors that may affect the cost of ATV insurance include the rider’s age, driving history, and whether the ATV is financed or owned outright. Insurance companies may offer discounts that can reduce premiums, such as for completing safety courses, insuring multiple vehicles, or transferring policies from other insurers.

Safety and Discounts

Safe riding practices can significantly reduce the risk of ATV accidents and may lead to lower insurance premiums. Many insurance companies offer discounts for completing approved safety courses, as these courses can help riders develop the skills and knowledge necessary to operate ATVs safely. For example, Markel Specialty offers a safety course discount that can lead to savings of up to 35% on ATV insurance premiums. Additionally, wearing appropriate safety riding apparel, such as helmets and protective gear, is not only crucial for personal safety but may also be covered under ATV insurance policies.

Furthermore, some insurance providers offer discounts for policyholders who bundle multiple insurance policies, such as auto and home insurance, with the same company. For instance, American Family Insurance states that customers who bundle auto and home insurance policies may save up to 23% on both policies together. This bundling discount can result in significant savings for ATV owners who also need other types of insurance coverage.

ATV Insurance and Homeowners Insurance

Homeowners insurance typically does not provide adequate coverage for all-terrain vehicles (ATVs). This is because homeowners insurance generally excludes motor vehicles, including ATVs, from its coverage. Even if the ATV is stored in a garage, it is not covered under a homeowner’s insurance policy.

While homeowners insurance may provide some liability coverage for ATV accidents on the homeowner’s property, it does not extend to damages to the ATV itself. For instance, homeowners insurance will not cover these losses if an ATV is damaged in an accident, stolen, or destroyed in a fire.

Moreover, the liability coverage provided by homeowners insurance may be limited and may not cover all situations. For example, it may not cover accidents that occur off the homeowner’s property or accidents caused by riders, not household members.

For these reasons, a separate ATV insurance policy is often necessary. ATV insurance provides coverage similar to auto or motorcycle insurance, including bodily injury liability, property damage liability, collision coverage, and comprehensive coverage. It can cover damages to the ATV, injuries to riders or others, and property damage caused by the ATV.

ATV insurance can also provide coverage for situations not covered by homeowners insurance. For example, it can cover theft of the ATV, damages caused by uninsured or underinsured motorists, and accidents that occur off the homeowner’s property.

State Requirements for ATV Insurance

Insurance requirements for all-terrain vehicles (ATVs) can vary significantly from state to state, which makes understanding local laws and regulations crucial for ATV owners. For example, in Texas, ATV insurance is not legally required nor necessary to register your ATV. However, carrying ATV liability insurance is mandatory if you plan to ride on some state-owned lands and parks. In contrast, Arizona law does not mandate uninsured/underinsured motorist coverage for ATVs, but it requires liability insurance if you plan to ride your ATV on public roads.

Texas ATV/UTV Insurance Requirements

In Texas, while ATV insurance is not a legal requirement for general ATV use, carrying a basic ATV policy is highly recommended to protect yourself financially in case of an accident. The average bodily injury limit for an ATV policy in Texas is $25,000 per person per accident, and the average property damage limit is $25,000 or lower. Although not required by law, having a title for your ATV is necessary.

Arizona ATV Insurance Requirements

In Arizona, ATV riders are encouraged to carry liability insurance that meets the same minimum requirements as for automobiles. As of July 1, 2020, the minimum liability limits increased from 15/30/10 to 25/50/15, translating to $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage. Additionally, Arizona has specific laws regarding the required equipment for ATVs, such as headlights, brake lights, spark arrestors, and strict trail usage laws.

Importance of Understanding Local ATV Insurance Laws

Understanding the specific ATV insurance requirements in your state is essential for several reasons:

– **Legal Compliance**: Ensuring you meet the minimum insurance requirements helps avoid legal penalties and fines.

– **Financial Protection**: Adequate insurance coverage can protect you from significant out-of-pocket expenses in the event of an accident or liability claim.

– **Access to Trails and Public Lands**: Some states may restrict riders’ access to public lands and trails with proof of liability insurance.

– **Personal Liability**: In case of an accident causing injury or property damage to others, having liability insurance can save you from costly legal and medical expenses.

ATV owners should consult with local authorities or an insurance professional to understand the specific requirements in their state and ensure they have the appropriate coverage for their riding activities.

Best ATV Insurance Companies

When choosing an ATV insurance company, it’s essential to consider factors such as coverage options, customer service, and price. Here are some of the best ATV insurance companies based on these factors:


Progressive is one of the leading ATV insurance providers, offering more than basic liability protection and comprehensive/collision coverage. They provide a wide range of coverage options to meet the unique needs of ATV owners.


GEICO is another top-rated ATV insurance company. They offer various coverage options, including collision coverage, property damage liability coverage, and comprehensive coverage. GEICO is known for its excellent customer service and online payment options.


Nationwide offers a comprehensive ATV insurance policy that includes liability, collision, and comprehensive coverage options. They also offer add-on coverages such as uninsured/underinsured motorist coverage. Nationwide is known for its comprehensive coverage options and excellent customer service.

Markel Specialty

Markel Specialty offers ATV/UTV insurance policies as low as $50 per year. They provide collision and other specialized off-road insurance coverage tailored to meet unique needs. Markel Specialty is known for its affordable rates and excellent customer service.


Foremost offers affordable basic coverage with optional custom-written policies for modified vehicles. They are known for their responsiveness and ease of working with. Adjustable limits and coverage levels make Foremost one of any rider’s best ATV insurance options.


Allstate offers a standard ATV insurance policy with liability, comprehensive, and collision coverage. They also cover aftermarket parts added to your ATV. Allstate is known for its wide coverage options and excellent customer service.

 The Hartford

The Hartford offers ATV insurance with a variety of coverage options. They are known for their excellent customer service and ability to provide the coverage you need at a competitive price.

It’s important to note that the best ATV insurance company for you will depend on your specific needs and circumstances. Therefore, comparing quotes from multiple companies is recommended to ensure you’re getting the best coverage at the best price.

ATV Insurance FAQ

ATV Insurance FAQ

What kind of insurance do I need for an ATV?

ATV insurance typically includes several types of coverage. These include:

  • Bodily Injury Liability: This coverage helps pay for medical bills and loss of income if you cause an accident and someone is injured.
  • Property Damage Liability: This assists in payments for damages to another person’s vehicle or property if you cause an accident.
  • Collision: This pays for damage to your ATV if you hit another vehicle or object or if your vehicle rolls over.
  • Comprehensive: This coverage helps pay for damage to your ATV from vandalism, theft, weather events, and accidents.
  • Uninsured/Underinsured Motorist: This helps protect you and your ATV from uninsured drivers and may also protect you from covered hit-and-run accidents.
  • Medical Payments: Personal Injury Protection (PIP) can help cover medical costs related to an accident, regardless of who’s at fault.

Does ATV insurance cover water damage?

Yes, ATV insurance typically covers water damage. This includes damage from flooding or if your ATV is driven into a body of water. However, intentional damages or the result of negligence, such as driving your ATV through high water and damaging the engine, may not be covered.

Does insurance cover a sunken ATV?

Yes, most ATV insurance policies cover damage or destruction due to submersion in water under certain circumstances. This includes situations where the ATV is accidentally driven into a body of water. However, intentional or negligent actions leading to the ATV sinking may not be covered.

Do I need ATV insurance in Texas?

In Texas, ATV insurance is not required by law, nor do you have to register your ATV vehicle, but you do need a title. However, some state-owned places and parks will allow ATV riders if they carry ATV liability insurance. Despite not being a legal requirement, it is highly recommended to have ATV insurance to protect you financially in case of an accident or theft.

Do I need ATV insurance in Arizona?

In Arizona, any person who drives a street-legal ATV must ensure that they have liability insurance. This insurance must be at the same levels as traditional vehicle insurance in Arizona. Additional coverage of medical, comprehensive, collision, roadside, and custom parts is optional.