ATV Insurance

What is ATV Insurance?

ATV insurance is a personal insurance policy which covers damages to your ATV (All-Terrain Vehicle) if you are in an accident.

This insurance can protect you from paying out of pocket for damages to your ATV or for medical bills if you are injured in an accident.

This type of insurance is not required in all states, but it is a good idea to have if you ride your ATV often.

What Can it Cover?

ATV insurance can cover a lot of different things, depending on the policy that you choose.

There are ATV insurance policies that will cover you for liability, collision, and comprehensive coverage.

  • Liability insurance will cover damage to other people or property if you are at fault in an accident.
  • Collision coverage will cover damage to your ATV if you are in an accident, regardless of who is at fault.
  • Comprehensive coverage will cover damage to your ATV from non-accident events such as theft, fire, or vandalism.

The type of coverage you need will depend on how often you ride your ATV and what type of terrain you ride on. If you only ride on well-maintained trails, then you may not need as much coverage as someone who rides in more dangerous terrain since the associated risks may be lower.

Choosing coverage for your ATV insurance policy is a personal decision. You should consider how much coverage you need and how much you are willing to pay in premiums.

What Does it Not Cover?

There are some things that ATV insurance does not cover.

Most policies will not cover damages that occur while you are racing or stunt riding.

If you use your ATV for business purposes, you will need a separate policy to cover those damages.

Some policies also have age limits, so if you are over a certain age, you may not be able to get coverage.

It’s also crucial to understand that ATV insurance is different from health insurance. ATV insurance will not cover medical bills if you are injured in an accident.

That’s why it’s important to have health insurance if you ride your ATV often.

Are there Policy Limits?

Yes, there are policy limits for ATV insurance.

The amount of coverage you get will depend on the policy you choose. Some policies have per-accident limits while others have per-person limits. The type of coverage you choose will also affect your policy limits.

When choosing an ATV insurance policy, be sure to read the fine print so you understand what is and is not covered. This way, you can be sure that you are getting the coverage you need.

We can offer quotes from a few different companies so you can compare rates and coverage.

ATV insurance is crucial for anyone who rides an ATV often. It can protect you from having to pay out of pocket for damages to your ATV or for medical bills if you are injured in an accident.

The risks of riding an ATV are real, so make sure you are prepared by getting the right insurance policy.


Motorcycles, RVs and Similar Vehicles on a Personal Auto Policy: These can be added to the Personal Auto Policy. The policy defines “miscellaneous type vehicles” as a motor home, motorcycle, scooter, all terrain vehicle, dune buggy, or golf cart. (Note: A golf cart can also be endorsed onto a Homeowners Policy). The endorsement can be used for virtually any type of motor vehicle that meets auto eligibility requirements – non-fleet, not owned by a corporation or partnership, etc. An exception is a snowmobile for which there is a separate endorsement.

You might find better coverage and price on a separate motorcycle policy offered by one of our carriers. We will compare the coverage cost of an endorsement to your auto coverage with a separate motorcycle policy to see which best suit your needs.