ATV Insurance

Who needs ATV Insurance?

All Terrain Vehicle Insurance protects your ATV from major damage and protects your assets from liability due to damages to other property or persons caused by your ATV.

Many ATV's can go as fast as 55 MPH and can weigh as much as a quarter ton so it's especially important to follow safety precautions. Wearing helmets, having adult supervision for children and taking operating classes should be a must, among other precautions.

Some states do not require ATV insurance. If you ride your ATV on your own property you may be covered by your homeowners policy. On the other hand if you ride on public property, you may be required to purchase separate ATV insurance. Certain states require that you insure all-terrain vehicles driven on state land. Your basic homeowner policy might not cover you if you operate your ATV off your own property. Be sure to check the insurance requirements for your state and your own insurance policies.

Types of ATV coverage include:

Comprehensive:

This covers the loss of, or damage to, your ATV and-or  trailer due to fire, theft, vandalism, or other cause. Choose the deductible that best fits your needs.

Collision:

Covers damages to your ATV if you run into an obstacle or another vehicle. Since ATV's are often driven aggressively over rough terrain, your policy will likely not cover minor dents, scratches and other nonstructural damage.

Liability:

This covers damage done to people or other vehicles. Choose liability limits that best suit your needs.

Uninsured and Underinsured:

Protection against another rider causing damage to you or your vehicle without adequate coverage.

What ATV Insurance discounts are available?

Many insurance companies offer discounts to help lower your premium such as:

1) Multiple vehicle discount.
2) ATV safety course discount.
3) Discount for membership in certain vehicle associations.
 

InsuranceTracker is a comprehensive online insurance broker, offering free insurance quotes for ATV's and Motorcycles.