What does ATV Insurance Cover?

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Riding an ATV or any off-road vehicle comes with risks. 

Additionally, ATVs and UTVs are common targets for theft when they’re being stored. 

The right insurance coverage will make sure that you and your ATV are covered in a variety of scenarios and that you’re compliant with any state laws and regulations. 

This page will provide you with an overview of the different types of ATV insurance that some of the top providers offer. 

For more details, check out our page on ATV & UTV insurance

Types of Off-Road Vehicle Insurance Coverage

Your ATV insurance will be similar to your motorcycle insurance or dirt bike insurance policy.

In some states and certain riding areas (like public land and trails), you may be required to carry at least the state’s minimum liability coverage limits. 

Beyond that, you’ll be able to add optional coverage that’s designed to protect you and your vehicle in a variety of situations. 

UTV & ATV Liability Coverage

Just like your auto or motorcycle insurance policy, ATV liability coverage will be the minimum you’ll want to carry. 

The two types of liability insurance coverages include:

  • Bodily Injury Liability Coverage.
  • Property Damage Liability Coverage. 

Liability insurance pays for damages and medical expenses that result from an accident that you caused while riding your ATV. 

Your coverage will pay for the other person involved in the accident, but will not cover you or your ATV. For that, you’ll need to add some additional coverage options. 

Comprehensive & Collision Coverage

A comprehensive and collision coverage on your policy as well as liability insurance is typically what’s known as full coverage ATV insurance. 

Collision coverage pays to repair or replace your ATV when it is involved in a collision with another vehicle or if it rolls over. 

Comprehensive coverage pays for damages and loss that result from things other than a vehicle collision. This includes theft, vandalism, fire, floods, falling objects, animals, etc. 

These coverages kick in for you regardless of who is at fault. 

Note that if you’ve financed your off-road vehicle, many lenders will require that you carry a full coverage policy as a condition of your loan. 

Other Common Types of ATV Insurance Coverage

In addition to the coverages above, you’ll have the option of adding other coverage to your ATV policy too. 

Just like your motorcycle policy, you’ll usually have the option of things like:

  • Underinsured/uninsured motorist coverage. 
  • Medical payments coverage. 
  • Equipment coverage. 
  • Trailer coverage. 

Each additional coverage will come with limits and deductibles you can choose from which will affect the overall cost of your policy. 

Note that when you file a claim, your coverage will typically pay no more than the current value of your ATV. 

Just like a dirt bike insurance policy, ATV insurance will generally not cover activities like racing, stunts, illegal uses of your vehicle.  

You can learn more about how to get the cheapest ATV insurance coverage here.