Off-Road Vehicle Insurance — ATV, UTV, and Dirt Bike Coverage
Off-road vehicles including ATVs, UTVs, dirt bikes, and side-by-sides are used for recreation, sport, and utility across the country. Insurance coverage may help address the unique risks associated with off-road riding.
Coverage Options
The following coverage options may be available for Off-Road Vehicle Insurance. Availability, terms, and limits vary by state and policy.
Liability Coverage
May cover bodily injury and property damage to others if you are involved in an at-fault off-road incident.
Collision Coverage
May help pay for repairs or replacement following a collision with another vehicle, object, or terrain feature.
Comprehensive Coverage
May cover theft, vandalism, fire, and weather-related damage to your off-road vehicle.
Medical Payments
May help cover medical expenses for you and your passengers following a covered off-road incident.
Custom Equipment
May extend coverage to aftermarket modifications and accessories such as lift kits, winches, and roll cages.
Roadside / Recovery
Some policies may include assistance if your off-road vehicle becomes stuck or disabled in remote areas.
Who May Need Off-Road Vehicle Insurance?
Recreational off-road riders, trail enthusiasts, ranchers and farmers using ATVs for work, and anyone who operates an off-road vehicle on public or shared land.
Top 5 Reasons to Consider Off-Road Vehicle Insurance
- Some states require liability insurance for ATVs and UTVs operated on public land or trails.
- Off-road vehicles can sustain significant damage in rugged terrain — coverage may help manage repair costs.
- Liability exposure can be substantial if an incident on shared trails involves another rider or bystander.
- Custom accessories and upgrades may not be covered under standard policies without specific endorsements.
- Theft of off-road vehicles, particularly from remote storage, may be more common than owners expect.
Request a Off-Road Vehicle Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.