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ATV Insurance Options

Allison Martin
All Terrain Vehicle

If you own an all-terrain vehicle (ATV), it is just as important for you to obtain ATV insurance as it is to purchase car insurance for your passenger vehicles. These specialty policies are offered by various providers and legalize the operation of your ATV on the street.

Reputable Companies that Provide ATV Insurance

In many cases, ATV coverage is mandated if the vehicle is driven off the owner's residential land onto state land or if it is not covered by the homeowner's insurance policy. Companies offering this type of coverage include, but are not limited to:


Progressive, a Fortune 500 company established in 1937, is known for its "Name Your Price" option. Customers enjoy 24/7 access to customer service and online policy management. The company offers an array of coverage options with multi-policy discounts available.

In reviews from Viewpoints, consumers mentioned that the image portrayed of the company in its advertisements is accurate as they received prompt and courteous service along with cost-efficient rates.


Esurance, a subsidiary of Allstate, offers coverage in 39 states. The company is rated "Superior" in terms of financial strength by A.M. Best. According to consumer reviews from Credit Karma, Esurance offers flexible payment arrangements if needed and their online tools facilitate the policy management process. In addition, they also stated that the company offers some of the most affordable rates in the insurance industry.


Nationwide, a Fortune 500 company established in 1925 that holds a A1 rating from Moodys and A+ from A.M. Best and S&P. Long-time customers asserted in Credit Karma reviews that they highly recommend Nationwide's products to others seeking coverage because of their exceptional customer service, affordable premiums and expedited claim-processing.


GEICO, which was established in 1936, is a member of the Fortune 500 that offers 24/7 customer service and online account management. It is rated as an Aa1 company by Moodys and an A++ company by S&P and A.M. Best.

Customers are very satisfied with the online account management function, and also noted that their premiums were not automatically increased at renewal in recent reviews from Viewpoints.

Compare Your Options

Collision Comprehensive Bodily Injury and Property Uninsured/
Underinsured Motorist
Medical Payments Custom Equipment OEM Endorsement
Progressive X X X X
Esurance X X X X X
Nationwide X X X X X X

What does ATV Insurance cover?

ATV insurance coverage is quite similar to that of automobiles.

Collision Coverage

This type of coverage pays for any damage to your ATV that results from collision with another vehicle or other objects, including trees, rocks, fence posts and stumps.

Comprehensive Coverage

If damages are done to your ATV by an event outside of a collision, comprehensive coverage kicks in. Covered events include, but are not limited to theft, fire, vandalism and flooding.

Bodily Injury and Property Coverage

Bodily injury and property protection covers the cost of damages to property and medical expenses incurred by others as a result of your ATV if you are at-fault in an accident.

Uninsured/Underinsured Motorist Coverage

If the at-fault party is unable to cover the liabilities associated with an accident, this coverage pays the cost of any injuries you suffer or damage caused to your ATV by uninsured or underinsured drivers.

Medical Payments Coverage

Medical payments coverage helps cover the cost of residual medical expenses caused by injury to you and your passengers, regardless of who is at-fault in an accident.

Custom Equipment Coverage

Custom equipment coverage pays the cost of repairing any damage to any custom features which you have added to the ATV.

OEM Endorsement Coverage

When your ATV is repaired, OEM endorsement coverage guarantees that salvage replacement and aftermarket mechanisms will not be used to replace the damaged parts.

How to Shop for Affordable ATV Insurance

The insurance premiums on an ATV vehicle can often be higher than those of a regular passenger vehicle since the risk involved in operating an ATV makes it more likely that you will have to file a claim. There are a few things, however, that you can do to keep your insurance rates low.

Assess Your Needs

When you shop for this insurance, make sure that you are getting quotes and coverage that is specific to your ATVs particular classification and use. For example, the rates on a two-wheel drive sports model that is used for racing will differ significantly from those on a six-wheel drive utility model that is only used on a farm.

Obtain and Compare Quotes

Get quotes from a number of different insurance agencies before you purchase or renew your ATV insurance. The rating system used to calculate your premium will vary from one insurer to the next. As such, you may be able to save a substantial amount of money with one company for the very same coverage that another company is offering at a much higher rate.

Inquire About Discounts

Make sure that you get all the discounts available. Here are some of the discounts that your insurance company may have available.

  • Multi-policy discount - You could receive a discount if purchase all your necessary policies from the same insurance company.
  • Multi-vehicle discount - You may get a significant discount if you insure all of your cars, boats, ATVs and other recreational vehicles with the same insurer.
  • Membership discount - If you are a member of a riding association such as the American Motorcyclist Association, you may be eligible for a discount on your ATV insurance.
  • Safety course discount - If you complete a safety course, you will not only learn a lot about how to safely operate your ATV, but you may also qualify for a discount on your insurance policy.

Gain an Understanding of Your Coverage Options

Discuss the ideal coverage you should have with a licensed insurance agent, so that you do not end up under-insured or over-insured. If you will have passengers, for example, it is important for liability purposes, to obtain coverage that will cover your passengers as well.

As you choose your coverage, keep in mind that purchasing a comprehensive policy will be a bit more costly, but it does cover the cost of repairing damage to your ATV. Also, it is necessary to request specific coverage for any customization that you have done to the ATV. Otherwise you will have to pay for the customization out-of-pocket in the event of an accident.

Cost-Saving Tips

ATV premiums can be quite expensive, especially if you are in high-risk areas. You can reduce the costs associated with this coverage by:

  • Raising your deductibles to secure lower premiums
  • Maintaining a good driving record
  • Shopping for machines that are less aggressive
  • Paying policy premiums in full at the beginning of the coverage term
  • Bundling-up if you own more than one ATV

Select the Right Policy

It is important to purchase insurance for your ATV from an insurance company that has experience in insuring ATV and other recreational vehicles. They are more likely to understand the risks and challenges involved in off-roading with an ATV, and to provide sufficient coverage.

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ATV Insurance Options