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What ATV Insurance Covers

ATV Insurance

ATVs are always fun, but are you covered? Get a quote and see how cheap getting covered can be.
Do I need ATV insurance?

Even if there are no ATV insurance requirements in your state, it’s worth considering in case you have an accident and don’t have the funds immediately available for a full replacement of your off-road vehicle. And, because ATVs aren’t ridden on typical roadways, passengers are more prone to injury due to the rough terrain. Liability coverage may help protect you — and your assets — in the event of an accident.

What does ATV/UTV insurance cover?

ATV/UTV insurance policies can include the following standard coverages:

  • Bodily injury liability coverage: Pays for injuries you cause to someone while riding your off-road vehicle, up to your policy's limit.

  • Bodily injury property damage: Pays for damages to someone else's property if you're liable in an accident, up to your policy’s limit.

  • Collision coverage: If your ATV collides with another vehicle or object, collision can pay to repair or replace your vehicle, minus any deductible.

  • Comprehensive coverage: Covers events outside of your control, including theft, vandalism, hitting an animal, fire and weather-related damage, minus any deductible.

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