ATV Insurance protects your Off-Highway Vehicles for example Side-By-Sides, Four Wheelers, Dirt Bikes, Utility Task Vehicles. When you purchase ATV insurance you can select the amounts of coverage you need in order to cover accidents, injuries, damages and theft. Similar to auto insurance for cars, ATV insurance provides separate protection for riders and the vehicle.

Types of Coverage:

ATV Liability Coverage

Covers injuries or damages you cause to others while riding the ATV, including medical expenses or property damage. This is often required by law, depending on where you live.

ATV Collision Coverage

Covers damage to your ATV caused by a collision with another object, whether it’s another vehicle, a tree, or a rock.

ATV Comprehensive Coverage

Protects against non-collision-related damage, such as theft, vandalism, or natural disasters.

ATV Medical Payments Coverage

Helps cover medical expenses for injuries sustained while riding the ATV, regardless of who is at fault.

Uninsured/Underinsured Motorist Coverage

Protects you if you are involved in an accident with someone who doesn’t have enough insurance or no insurance at all.

Personal Injury Protection (PIP)

Covers medical costs for you and your passengers if injured while riding the ATV.

Accessory Coverage

Covers damage or theft of custom parts or accessories installed on the ATV, like upgraded tires or a winch.

Why You Might Need ATV Insurance

Finance company requires it.

Lenders will often require insurance on any financed OHV.

Accidents

Riding an ATV can be risky. Insurance provides financial protection in case of accidents or injuries.

ATV Theft Insurance

Part C of your home insurance policy does not cover vehicles or Off-Highway Vehicles. ATV Theft Insurance can recover your loss from theft.

Peace of Mind

Knowing you’re covered in case something goes wrong while riding can provide confidence.
Insurance rates vary based on the type of ATV, the coverage limits, your riding habits, and where you live. Always check local regulations to ensure you’re meeting any legal requirements related to ATV operation.