ATV Insurance
Don’t let your next off-road trek become a misadventure. Get coverage for your all-terrain vehicle so you can explore your world with confidence.
Why do you need coverage?
- Liability applies even when you’re driving off-road
- Accidents on trails can cause vehicle damage or injury
- Medical bills can pile up after crashes if someone is hurt
- Unattended vehicles can be vandalized or stolen
What does our coverage do?
- Helps you repair or replace damaged ATVs
- Covers injuries and medical expenses
- Includes theft and comprehensive coverage
- Keeps ATV riders protected year-round
Protect yourself and your ATV.
Riding off-road is thrilling but can be unpredictable. That’s why we insure you and your ATV against the common hazards that lead to costly repairs, injuries or losses.
Trail collisions
Hitting obstacles or other riders on narrow trails can cause serious injuries and extensive ATV damage.
Rollovers
Uneven terrain, steep inclines or sudden turns often lead to rollovers that injure riders and damage vehicles.
Theft and vandalism
Unsecured ATVs are common targets for thieves and vandals, especially when stored outdoors or left on trailers.
Numbers to know
ATV-related injuries
50K
people are treated each year for ATV-related injuries. (CPSC, 2025)
Powersports theft
20K
ATVs and other powersports vehicles are stolen each year in the U.S. (Ride Dog, 2024)
Our ATV insurance options include
Collision
Repair damage caused to your ATV from an accident.
Liability
Pay medical and other bills if you injure someone or damage their property.
Comprehensive
Cover loss or damage from theft, vandalism, natural disasters and uninsured/underinsured motorist coverage.
Frequently asked questions about ATV insurance
ATV insurance provides financial protection against physical damage and/or liability for bodily injury that can happen while you are operating your ATV.
It depends on several factors, including where you ride and local laws. However, considering the potential for injury or damage while riding an ATV, having insurance is a good idea.
Coverage varies, but it can include collision (damage to your ATV from an accident), liability (if you injure someone or damage property), comprehensive (damage from theft, vandalism or natural disasters) and uninsured/underinsured motorist coverage.
This depends on your specific policy. Some policies may cover passengers, while others may require additional passenger liability coverage. Check with your insurance provider to be certain.
