ATV insurance helps protect recreational and utility ATVs from accidents, theft, and liability. Whether you own a new or used ATV, the right insurance policy can provide affordable coverage options based on how and where you ride.
Coverage needs vary depending on vehicle value, riding location, and usage. Understanding what ATV insurance covers, how much it costs, and which policy features matter most can help riders choose protection that fits their needs.
What Does ATV Insurance Cover?
Collision Coverage
Pays for damage to your ATV resulting from a collision with another vehicle or object.
Comprehensive Coverage
Protects against non-collision incidents such as theft, vandalism, fire, and natural disasters.
Liability Coverage
Covers bodily injury and property damage that you might cause to others while using your ATV.
Uninsured/Underinsured Motorist Coverage
Protects you in case you're involved in an accident with an uninsured or underinsured driver.
Medical Payments Coverage
Covers medical expenses for injuries sustained by you or your passengers in an ATV accident.
Accessory Coverage:
Covers custom parts and equipment added to your ATV.
Benefits of ATV Insurance:
- Specialized Protection: Tailored to the specific risks associated with ATV use.
- Peace of Mind: Knowing that you're financially protected against various risks.
- Flexibility: Options to customize your policy based on your usage and needs.
What is Powersport Insurance?
Powersports insurance provides broader protection for recreational vehicles like ATVs, motorcycles, snowmobiles, dirt bikes, and personal watercraft. For riders who own multiple vehicles, powersports insurance offers a convenient way to combine coverage under a single policy while still meeting ATV insurance needs.
What Does Powersports Insurance Cover?
Powersports insurance policies often include many of the same protections found in ATV insurance, with coverage options that apply across multiple vehicles:
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Collision Coverage – Helps pay for damage caused by collisions involving your ATV or other covered vehicles.
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Comprehensive Coverage – Covers non-collision events such as theft, fire, vandalism, or weather-related damage.
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Liability Coverage – Provides protection for bodily injury and property damage to others.
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Uninsured/Underinsured Motorist Coverage – Helps cover injuries or damages caused by drivers without sufficient insurance.
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Medical Payments Coverage – Helps pay medical expenses for injuries to you or your passengers.
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Accessory Coverage – Covers custom parts and accessories installed on covered vehicles.
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Trailer Coverage – Protects trailers used to transport ATVs and other powersports vehicles.
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Trip Interruption Coverage – Helps cover lodging, transportation, and meal expenses if a covered loss interrupts a trip.
Vehicles Commonly Covered Under a Powersports Policy
A single powersports insurance policy may cover multiple types of recreational vehicles, including:
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ATVs (All-Terrain Vehicles)
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Motorcycles (on-road and off-road)
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Snowmobiles
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Dirt Bikes
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Personal Watercraft (such as jet skis)
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Golf Carts (electric or gas-powered)
Benefits of Powersports Insurance
For riders with more than one recreational vehicle, powersports insurance offers several advantages:
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Comprehensive Protection – Covers multiple vehicle types under one policy.
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Convenience – One policy to manage instead of separate ATV and motorcycle policies.
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Cost-Effective Options – Potential savings through bundled coverage.
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Flexible Coverage – Customizable options based on how each vehicle is used.
Comparing ATV Insurance and Powersport Insurance
Coverage Similarities
Both ATV and powersport insurance provide essential protections like collision, comprehensive, and liability coverage. They also offer optional coverages such as uninsured/underinsured motorist protection, medical payments, and accessory coverage.
Key Differences:
ATV Insurance: Specific to ATVs and offers specialized coverage tailored to ATV use.
Powersport Insurance: Broader scope, covering multiple types of recreational vehicles under one policy.
When to Choose Each:
ATV Insurance: Ideal if you only own an ATV and want specialized coverage tailored to ATV-specific risks.
Powersport Insurance: Best if you have multiple recreational vehicles and want the convenience and potential cost savings of a single policy.
Additional Considerations:
Usage Frequency: How often and where you use your vehicles can influence your insurance needs.
Customization: Powersport insurance offers more flexibility for customizing coverage across different vehicle types.
Value of Vehicles: Consider the total value of your vehicles and accessories when choosing coverage limits.
Hit the Trails with the Best ATV Insurance Coverage
Build an ATV Insurance custom package that keeps you covered with G&G Independent Insurance!
There’s nothing quite like the freedom of off-roading through the wilderness on your new all-terrain vehicle. Being able to visit difficult-to-reach vistas, the thrill of barreling along trails at high speeds, or a classic day out muddin’. ATVs offer an experience unlike many others when it comes to outdoor exploration.
Of course, ATVs are a significant investment, and as with any investment, you want to make sure you have adequate protection for your vehicle. After all, it’s hard to experience everything the ATV experience has to offer when you’re concerned about the financial repercussions of damages.
ATVs are built for roughhousing. But that doesn’t mean something can’t go wrong. Make sure you’re prepared in case of accidents or damage to your ride with the best ATV insurance.
Do I Need ATV Insurance Coverage?
Because of the liability to other people when operating an all-terrain vehicle, several states require at least some sort of ATV insurance. Due to the detailed regulations, it’s recommended that you thoroughly research the requirements as they may vary by state.
Some states allow you to forgo insurance if you’re driving on your land, but the moment you take your vehicle off your property, insurance is required. Other states allow you to drive on public roadways only if insured and meet other requirements. Some states require insurance to operate your all-terrain vehicle at any time or place. Other states have no insurance requirements, but private property within those states, such as trails in state parks, may require you to hold insurance.
When looking up what type of insurance to get, make sure you a familiar with your state’s laws regarding ATV usage. Consider where you will be driving your ATV. However, don’t base your decision to purchase ATV insurance solely on your state’s legal requirements. There are several reasons to purchase insurance even if you’re not required to.
It’s always recommended for you to take into account your financial situation and the value of your ATV. Can you afford to completely replace the ATV in its entirety if stolen or totaled? Or fight a legal battle if at fault in an accident? Can you afford to cover medical bills for yourself or another party if an injury occurs? If not, it is recommended to purchase liability insurance for your ATV.
Don’t allow a great day out on the trails to turn into a financial catastrophe for you and your family. Insurance is more than a financial safety net. It’s peace of mind.
What Our Customers Say
How Much is ATV Insurance?
As with most types of insurance, the cost of ATV insurance varies depending on several factors. Some factors that determine how much your premiums are include:
- Type of ATV
- Make, Model, and Year
- Engine Size
- Safety Features
- Rider Information – Age, location, driving history, frequency of use
- Type and Amount of Coverage
Because of the large potential for ATV insurance options, it’s difficult to give a range. Your best option is to begin researching insurance policies specific to you.
G&G Independent Insurance makes this easy. With our network of over 50 insurance companies, all you have to do is give us your information and we’ll find the best quotes relevant to you in minutes!
ATV Insurance FAQs
1. Do I need ATV insurance?
Answer:
While not always legally required, ATV insurance protects against liability, property damage, and injuries from accidents. It’s a smart safety net for recreational riders.
2. What does ATV insurance cover?
Answer:
Coverage can include liability, collision, comprehensive, medical payments, and uninsured motorist protection. Optional endorsements may cover trailers or accessories.
3. How much does ATV insurance cost?
Answer:
Costs vary based on ATV value, usage, coverage limits, and riding experience. Safe riders and limited-use vehicles often see lower premiums.
4. Can I ride my ATV off private land?
Answer:
Coverage typically extends to permitted trails and private property. Off-road public areas may require specific endorsements or registration, depending on your policy.
5. Are accidents while towing covered?
Answer:
Yes, but you should confirm your policy includes coverage for towing or transporting the ATV to ensure you’re fully protected.
How can I get ATV Insurance discount?
Depending on the insurance provider, here are some scenarios that can let you avail of a discount on your ATV Insurance Coverage.
a. Multi-policy Discount - Insure your home, car, condo, and ATV simultaneously to qualify for a discount.
b. Full Payment - If you pay the premium of your ATV Insurance in full every year, you can save money.
c. Homeownership - If you have your own home and have it insured, you can also get a discount on your ATV Insurance.
d. Safety / Garaging - Some insurance providers offer discounts if you took a safety course and if you take care of your ATV very well. Garaging your ATV to protect it is a good sign for insurance providers to provide discounts.
Is Your ATV covered by your home insurance policy?
Your home insurance typically covers your ATV for scenarios inside your property only. You will need separate insurance for accidents outside your home.
Prefer to Speak in Person?
We’re more than happy to talk to you one-on-one concerning all your questions about finding cheap ATV insurance.
