ATV Insurance 101

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ATV Insurance 101

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What Does ATV Insurance Cover?

ATV insurance can protect your finances in the event of loss, damage, an accident, injury or theft of your vehicle.  Here are some details:

  • Liability coverage will cover the costs of bodily injury and property damage up to a determined amount if you cause an accident.  It will also cover the cost of your legal fees if you are sued.
  • Collision coverage will pay for repairs to your damaged ATV after an accident.
  • Comprehensive coverage is optional, and will provide protection if your ATV is stolen, damaged by fire, vandalism, or severe weather.
  • Uninsured/underinsured motorist coverage, also optional, will help cover your costs if another rider causes and accident, and does not have the insurance to pay for your expenses.

How Does ATV Insurance Work?

ATV insurance works similarly to auto insurance. Because ATVs can be risky – for the riders, passengers and those around them – your ATV insurance is designed to help cover the costs associated with a mishap or incident, as well as theft.

ATV insurance helps you recover financially so that the cost of repairs, injuries and even lawsuits do not end up costing you more than you can manage out of pocket.

If you are in an accident that results in injuries or damages, your insurance agent can help you get compensation and start the claims process.  First, supply any available documentation or photos of what occurred.

An adjuster will review the damage and determine your compensation based on the amount of coverage, the type of loss, and your deductible.

How Much Does ATV Insurance Cost?

ATVs and their riders are different, so it is very difficult guess what your particular premium cost will be.

There are many factors that go into a premium – driving record, top speed of the ATV, how often it is used (do you drive it around on your ranch every day, take it out on weekends or just during the summer months?), your credit history, the ages of the allowed drivers, your age, gender, etc.

Virtually every state has different standards of insurance coverage for ATV owners.

Is ATV Insurance Required?

Unlike auto insurance, not all states require that you carry insurance on your ATV. However, many states do require some coverage if you are using your ATV on public land, in state parks or in public parks. Additionally, you may be required to purchase certain coverage if you are financing your all-terrain vehicle.

Be sure to check if the state where you live and the locations where you plan to use your vehicle require ATV insurance. Be aware that if you are uninsured and get into an accident, you may be liable for all damages and/or injuries incurred. So while ATV insurance is often not required, it can be a wise investment.

How Much ATV Insurance Do I Need?

There are many factors that go into determining how much ATV insurance is adequate. Every ATV is different, and every driver is different.

How you use your vehicle is a good indicator of how much ATV insurance you should have – for example, whether you use it for dune riding where visibility is good, or back woods riding where trees and hillsides can obstruct your view.

Additionally, the value of your ATV, the value of the assets you want to protect in case of a liability claim against you, and how much risk you take while riding can all be indicators of how much ATV insurance you need.

To get help evaluating what coverage makes sense for your unique needs, contact an agent in the Trusted Choice network. These agents advocate for the consumer, which means your agent will provide information and ATV insurance quotes.

Does ATV Insurance Cover Riders and Passengers?

While some families have a set of ATVs, others share a vehicle or two and even lend them to friends. If you ride with a family member or bring passengers along on your ATV, you may wonder whether passengers are covered.

ATV insurance typically does cover your vehicle and any riders, provided that those operating the vehicle are at least 16 years old and possess a valid driver’s license. 

In most cases, your ATV coverage extends past you and covers your vehicle whenever it is taken out for a spin by a licensed driver. Be sure to review your coverage carefully with your agent so you know what is and is not covered under your policy.


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