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    ATV Insurance Coverage

    Protect your ATV, UTV or other off-road vehicle in the event of an accident with standard ATV insurance. Customize your policy with optional coverages for your unique needs.

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    Standard ATV Insurance Coverage

    Off-roading can be thrilling, but accidents happen. Our off-road vehicle and ATV insurance coverage gives you peace of mind so you can enjoy the ride.

    What does a standard ATV insurance policy cover?

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    Types of Policies in an ATV Policy

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    Liability Coverage

    You, or anyone operating your four-wheeler with your permission, could be held responsible in the event of an accident. Liability coverage can help you pay for injuries, property damage, first aid, medical and court costs.
    You cause an accident with another ATV while out on the trails. Liability coverage can help pay for others' bodily injuries.
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    Collision Coverage

    Collision coverage helps protect against most preventable off-road vehicle damage or loss. That applies regardless of who's at fault. Our collision deductible waiver can help if you have multiple vehicles insured by us. If two of your vehicles that we insure collide, we'll waive one of your deductibles.
    A bump on the ground sends your UTV straight into a tree. Collision coverage pays for repairs so you can keep blazing your own trail.
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    Comprehensive Coverage

    Collisions aren’t the only threat to your off-road vehicle. That's why our comprehensive coverage helps protect it from other common losses such as fire, weather and theft.
    Someone steals your four-wheeler in the middle of the night. Comprehensive coverage can help you replace it.
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    Safety Riding Apparel Coverage

    Safety should come first when you hit the trails, so we offer protection for your gear. Get up to $1,000 of this coverage for your helmet, boots and other gear to ride on worry-free.
    Your helmet protects your head during an accident, but the impact leaves it unusable. Safety riding apparel coverage can help you buy a replacement helmet.
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    Customization Coverage

    Customization coverage helps cover the equipment, accessories and other enhancements you've made to your vehicle after purchasing it from the manufacturer. You can optionally increase your payout from $3,000 up to $30,000.
    Foul weather ruins your brand-new custom upholstery. Customization coverage helps you restore or replace it.

    ATV & UTV Insurance Coverage Add-Ons

    Additional coverages provide more protection from unexpected losses. The following add-ons are available to fit your unique ATV insurance needs.
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    Trusted by over 12 Million Customers & Counting

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    90+ Years

    Over 90 years in business protecting our customers
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    12 Million Customers

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    Learn more about pricing and coverage options for your ATV/UTV.
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    *This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

    Daily allowances or limits may vary by policy.

    Customers who bundle auto and home insurance policies may save up to 23% on both policies together (as of August 2023). Discounts may vary by state, property, policy form and company underwriting the auto and/or home policy. Discounts may not apply to all coverages on an auto or home policy.