ATV Insurance

If you've ever ridden an all-terrain vehicle (ATV), you know that it can be a lot of fun, but it's not always the safest activity. You may not have considered getting ATV insurance. Read on to learn what ATV insurance covers, and what ATV insurance costs. We can tell you how best to protect your ATV and provide a FREE ATV insurance quote.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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If you own an all-terrain vehicle (ATV), then you may need to protect it with an ATV Insurance policy. These policies may not be mandatory in most states, but that doesn’t mean that taking out insurance coverage on your ATV can’t benefit you in the long run.

And, of course, the best way to make sure you’re getting the best price is to compare rates online from multiple companies. You can even qualify for a multiple policy discount by combining your ATV coverage with auto or home.

In this article, you can find important information regarding ATV coverage, legal requirements, tips for operating your ATV safely, and money-saving deals for your ATV policy. Look for an affordable quote near you right now with our FREE comparison tool.

ATV Insurance Quotes and Coverage Information

ATV insurance policies don’t just cover your stereotypical 4-wheel ATV; they can also cover dirt bikes, snowmobiles, golf carts, dune buggies, and ATVs with 3 or even 6 wheels. Because these vehicles are known for traversing areas other than your typical paved road, they have unique insurance needs as well.

Although ATV insurance is optional in most states, you have to consider the unique dangers that enjoying an ATV poses. They don’t protect their riders the way regular automobiles do, and they are designed to be driven through rough and unpredictable terrain. An accident could happen at any time. And if it does, The money you “save” by not purchasing ATV insurance might not be enough to cover all your expenses.

Many ATV insurance coverage options include:

  • Collision Insurance – Just in case your ATV collides with large rocks, trees, or other objects; also protects from a collision with other ATVs
  • Comprehensive – You’re protected if your ATV is lost, damaged, stolen, catches fire, or any other covered misfortune
  • Property Damage – In case you damage someone else’s property with your ATV
  • Bodily Injury – covers the medical expenses of anyone hurt in an ATV accident which was deemed your fault
  • Uninsured Motorist – Insures damage caused by an uninsured/underinsured rider

Additional ATV Insurance Coverage

If you add custom equipment to your ATV or are worried about medical expenses for you and your passengers, this is a good form of coverage to consider. Likewise, owning multiple ATVs means that you will need to think about expanding coverage limits.

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How to Save Money on your ATV Insurance

One of the quickest and easiest ways to lower your ATV insurance rates is to make sure that you enjoy your vehicle as safely as possible. There are a number of ways to do this, many of which can earn you a “safe driver” discount from your insurance company:

  • ATV Safety Education – Complete any/all approved training and safety courses for your vehicle to reduce the statistical likelihood of getting into an accident
  • Wear proper safety gear – this includes ankle boots, gloves, goggles, long pants, a long-sleeved shirt, and a DOT-approved helmet
  • Passengers – if your ATV is not specifically designed to carry passengers, then don’t ride with a passenger. Some ATVs can become difficult to control with an unauthorized passenger aboard, increasing the likelihood of an accident
  • Off-Road Only – most ATVs aren’t designed to handle well on pavement. You’re also more likely to collide with larger automobiles
  • Adults Only – never let a child drive your ATV, especially if they are too small to operate it properly
  • Drinking and Riding – never operate your ATV while under the influence of drugs or alcohol. Impaired motor skills and judgment are more likely to cause an accident

Aside from basic safety precautions, there are other steps you can take to get potentially lucrative discounts on your insurance policy as well:

  • Join a Riding Association. Some riding clubs may be able to negotiate discounts from local or major insurance firms in exchange for sending them more business
  • Ask About Bundling. Your current insurance agent may be able to add ATV insurance at a discount to any policy you may already have, such as Auto or Homeowner’s.
  • Anti-Theft Protection. ATVs can be much easier to steal than regular automobiles because of their design. Installing anti-theft technology can help you combat theft and get a discount at the same time!

ATVs can be fun to ride, but they can get scary really quickly if you don’t protect yourself from easily avoidable accidents.

By following the safety measures above, and by protecting yourself with an affordable ATV insurance policy, you can make the most of your riding experience. Make sure that your insurance company of choice offers coverage for your vehicle of choice, and enjoy riding your new ATV!

If you need to compare insurance quotes you can start your search with our FREE tool now.

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