ATV & Off-Road Insurance
A homeowners policy may cover an ATV on your own land and stops at the property line. Most riding happens past that line.
- Liability that applies on trails and public land
- Theft and damage coverage while trailered or stored
- Accessories and aftermarket parts covered to a real limit
Request a atv & off-road insurance quote
Tell us what you need covered. A licensed agent follows up with options, usually the same business day.
What a atv & off-road insurance policy actually does
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Liability
Injuries and property damage you cause while riding, including on trails, public land, and someone else's property.
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Collision and comprehensive
Damage to your machine from a rollover, impact, fire, or theft.
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Accessories
Winches, racks, plows, and aftermarket parts, which are frequently a large share of the machine's real value.
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Uninsured motorist
Injuries caused by another rider or driver with no coverage.
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Transport and storage
Damage while trailered or while stored in a garage or shed.
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Racing and competition
Organised competitive events are excluded from standard policies.
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Commercial and agricultural use for hire
Using the machine to earn money requires commercial coverage.
ATV & Off-Road Insurance questions
Is coverage required by law?
It depends on the state and on where you ride. Many public trail systems and state lands require liability coverage even where the state does not mandate it generally.
Does my auto policy cover an ATV?
No. Off-road vehicles are excluded from personal auto policies.
Are passengers covered?
On machines designed to carry them, generally yes under liability. Carrying a passenger on a single-rider machine can jeopardise a claim.
What about a UTV or side-by-side?
Same policy type. Rating differs because values, speeds, and passenger capacity differ.
Related coverage
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Car Insurance
Liability, collision, comprehensive, and the state-required minimums, explained in plain language, quoted by a licensed agent.
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SR-22 Insurance
An SR-22 is a certificate your insurer files with the state, not a policy. We handle the filing alongside the coverage it has to attach to.
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Motorcycle Insurance
Coverage that accounts for how a bike is actually ridden and stored, including custom parts your auto policy would not touch.
Not sure what you need?
Tell a licensed agent what you're insuring and what you're worried about. We'll walk through the options and what each one actually costs.