Off-Road Vehicle Insurance — ATV, UTV, and Dirt Bike Coverage

Top 5 Reasons to Consider Off-Road Vehicle Insurance

1. Some states require liability insurance for ATVs and UTVs operated on public land or trails.
2. Off-road vehicles can sustain significant damage in rugged terrain — coverage may help manage repair costs.
3. Liability exposure can be substantial if an incident on shared trails involves another rider or bystander.
4. Custom accessories and upgrades may not be covered under standard policies without specific endorsements.
5. Theft of off-road vehicles, particularly from remote storage, may be more common than owners expect.

Potential Discounts That May Be Available

1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. Anti-Theft Equipment — Installing qualifying anti-theft devices such as alarms, GPS trackers, or disc locks on your vehicle may help reduce your premium.
8. 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.
9. 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.