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ATV & UTV Insurance


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If you’re going to spend the money to buy an ATV/UTV, maintain it, and ride it, it’s worth getting it insured – some places may even require it. 

Many new ATV & UTV owners have some questions when it comes to insuring their off-road vehicle. This page will serve to answer some of those questions. 

Luckily, many of the top insurance providers make it easy to insure your side-by-side (SxS) or 4×4. 

Check out the details below. 

ATV/UTV Insurance Requirements

Just like off-road vehicle registration and title laws, ATV and UTV insurance requirements vary from state to state. 

Some of the common scenarios which may require insurance for your ATV/UTV include:

  • When you ride on state-owned/public lands. 
  • When you ride your 4×4 or SxS on public roadways. 
  • If you have financed your off-road vehicle. 

For specifics, begin an insurance quote or contact your state’s department responsible for registering and licensing off-road vehicles. 

When ATV insurance is required, you’ll need to carry the state’s minimum liability coverage. 

Even if insurance is not required, it’s still a good idea to carry it. 

With full coverage ATV insurance:

  • You’ll protect yourself financially if you are at fault for an accident. 
  • Your ATV/UTV will be protected from theft and vandalism. 
  • You’ll be able to pay for damages that result from things other than a collision. 

ATV Insurance Coverage Options

Most insurance providers will have the same coverage options for your ATV or UTV as they do a dirt bike or motorcycle. 

This includes:

  • Liability coverage for bodily injury and property damage. 
  • Collision coverage. 
  • Comprehensive coverage.
  • Medical payments. 
  • Uninsured/underinsured motorist coverage. 
  • Equipment and parts coverages.
  • Total loss coverage (for new model ATVs and UTVs)

You can learn more about what ATV insurance covers here. 

Save Money on ATV/UTV Insurance with Discounts

While the cost of your ATV insurance policy will vary depending on a number of factors, there are some ways you can save money. 

One of the easiest ways to save on your policy is to qualify for and apply insurance discounts offered by the provider. 

Some of the most common ATV/UTV insurance discounts available include:

  • Off-road vehicle safety course discounts. 
  • Multi-policy and bundling discounts. 
  • Pay-in-full discounts. 
  • Safe driver discounts. 

You can learn more about off-road and motorcycle insurance discounts here. 

Compare Quotes for ATV & UTV Insurance Policies

The best way to save money on ATV insurance and get the cheapest policy is to compare a few quotes from different providers. 

Comparing quotes is easy, and you can do it online. 

Here’s the information you should have ready:

  • The vehicle’s VIN, year, make, model, engine size, and other details. 
  • Your full name and address. 
  • Information about your driving history. 
  • Details for any other off-road or motorcycle insurance policies you may have. 
  • Any discounts you may qualify for. 
  • The type of coverage and limits you’ll need. 

Find some more tips on how to get an insurance quote here. 

ATV/UTV Insurance FAQs

Many ATV and UTV owners have questions regarding their off-road policies. 

We’ll cover the main ones below. 

Do I need ATV/UTV insurance?

In some states and riding areas, you will be required to carry liability insurance for your ATV. However, laws vary from place to place. 

Regardless of whether you’re required to insure your off-road vehicle, it’s always a smart idea to do so. 

First,  you should carry liability coverage to protect yourself financially in the event that you cause an accident. 

Next, you should carry additional coverages to pay for your ATV in other scenarios. 

Will auto insurance cover an ATV accident?

If you cause an accident while riding your ATV or UTV, will your auto insurance liability coverage pay for damages? 

No, it will not. 

Car insurance covers the car on the policy and no other vehicles. 

In order to protect yourself from financial liability if you cause an accident that results in injuries, death, or property damage, you’ll need to have liability coverage for your ATV or UTV.

Does homeowner’s insurance cover ATV theft?

In most cases your all-terrain vehicles, or any other vehicles for that matter, will not be covered under your homeowner’s insurance policy. 

This means that your homeowner’s insurance will not pay for damages to your ATV/UTV caused by fire, water damage, falling objects, theft, etc. 

In order to make sure your 4×4 is covered, you’ll need to add comprehensive coverage to your ATV-specific policy. 

The general rule of thumb is that anything with its own VIN (vehicle identification number) usually needs a policy of its own. 

Should you cancel your ATV insurance when you don’t ride?

It’s common to wonder whether or not you should keep your insurance coverage when you’re not using your off-road vehicle in the off-season. 

However, it’s typically smartest to maintain coverage year-round. 

If you want to save money during the off-season, you may consider scaling back some of the coverage that you may need less of since you won’t be taking the quad out. 

You can learn more about this topic here: Should you cancel your motorcycle insurance policy in the off-season?

How much does ATV/UTV insurance coverage cost?

Just like your motorcycle insurance policy, the cost of your ATV/UTV coverage will vary depending on a variety of factors. 

The main ones include:

  • Your age and demographics. 
  • Your driving history. 
  • Where you live. 
  • How you use your 4×4 or SxS. 
  • The type and size of ATV you have. 
  • The type of coverage you choose. 
  • Any discounts that may apply to your policy. 

Your best bet for getting the best deal on your ATV insurance will be to compare a few quotes for several different providers. 

You can learn more about UTV and ATV insurance costs here. 

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