ATV Insurance — Get Quotes for All-Terrain Vehicle Coverage
All-terrain vehicles offer freedom and versatility for recreation, sport, and utility work — but they also carry real risks. ATV insurance may help protect you financially if your machine is damaged, stolen, or if an accident results in injuries or property damage to others.
Coverage Options
The following coverage options may be available for ATV Insurance. Availability, terms, and limits vary by state and policy.
Liability Coverage
May help cover costs if you are found responsible for bodily injury or property damage to others while operating your ATV.
Collision Coverage
May help pay for repairs to your ATV following a collision with another vehicle, object, or rollover.
Comprehensive Coverage
May cover damage from non-collision events such as theft, vandalism, fire, flooding, and weather-related damage.
Medical Payments
May help cover medical expenses for the operator and passengers after an ATV accident, regardless of fault.
Uninsured Motorist
May provide coverage if you are involved in an incident with an uninsured or underinsured operator.
Custom Parts & Equipment
May cover aftermarket accessories, custom parts, and equipment added to your ATV beyond stock configuration.
Who May Need ATV Insurance?
ATV owners who ride recreationally, competitively, or for utility purposes on private land, trails, or public areas may benefit from dedicated ATV coverage. This includes sport riders, farmers, and landowners using ATVs for work.
Top 5 Reasons to Consider ATV Insurance
- Many states and private land operators require proof of liability coverage before allowing ATV access.
- ATVs are frequently targeted for theft — comprehensive coverage may help if your machine is stolen.
- Rollover and collision accidents are common in off-road environments; collision coverage may help offset repair costs.
- Medical expenses from ATV accidents can be significant — medical payments coverage may help fill gaps.
- Custom parts and accessories represent a real investment that standard coverage may not automatically protect.
Potential Discounts That May Be Available
- Bundling / Multi-Policy — Carrying your motorcycle or powersports insurance with an existing auto, home, or renters policy through the same carrier may qualify you for a multi-policy discount.
- Safe Rider / Good Driver — Maintaining a clean riding and driving record with no at-fault accidents or violations for an extended period may make you eligible for a safe rider discount.
- Safety Course Completion — Completing an approved safety course, such as one offered through the Motorcycle Safety Foundation (MSF) or a state-recognized defensive riding program, may result in a premium reduction.
- Membership or Affiliation — Members of recognized riding organizations, clubs, or associations — such as the Harley Owners Group (H.O.G.) or certain military and veteran groups — may be eligible for affiliation-based discounts.
- Multi-Vehicle — Insuring more than one qualifying motorcycle, scooter, ATV, or powersports vehicle under the same policy or with the same carrier may result in a multi-vehicle discount.
- Early Signing / Policy Transfer — Signing a new policy before your current coverage expires or switching from another insurer may qualify you for an early signing or transfer discount.
- Anti-Theft Equipment — Installing qualifying anti-theft devices such as alarms, GPS trackers, or disc locks on your vehicle may help reduce your premium.
- Mature or Experienced Rider — Experienced riders who have maintained a clean record over a long period may qualify for a mature or experienced rider discount, often available to those above a certain age threshold.
- Payment Method — Paying your full annual premium upfront or enrolling in automatic payments may qualify you for a payment convenience discount.
Disclaimer: Not all discounts listed above are available from every carrier or in every state. Discount availability, eligibility requirements, and amounts are subject to change without notice. This is a partial list only — additional discounts may or may not be available depending on the carrier and your specific circumstances. Ask a representative about discounts that may apply to your policy.
Request a ATV Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.