Your ATV or UTV is a significant investment. The right insurance protects that investment and protects you from liability. Here is what every powersports owner needs to know.
What ATV and UTV Insurance Covers
Collision coverage pays for damage when you hit something - rocks, trees, other machines, and roll-over incidents. Comprehensive coverage handles theft, fire, and weather damage. Liability coverage is essential if you ride on others' property or anywhere near people. Medical payments coverage handles your injuries regardless of fault.
Is Insurance Required?
Most states do not require ATV insurance for off-road-only use, but many OHV parks and trail systems require proof of insurance for entry. Some states require registration which may include insurance. If you trailer your machine, your auto insurance may not cover it - verify with your carrier.
Top Providers
Progressive, Markel, and GEICO all offer dedicated ATV and UTV policies. Specialty powersports insurers often provide better coverage and lower premiums than adding a rider to home or auto policies. Compare quotes from at least three providers and verify the coverage limits match the value of your machine.
Coverage for Upgrades
Aftermarket accessories are often excluded from base policies. If you have a lift kit, audio system, or custom wheels, ask about agreed value coverage that includes your modifications at replacement cost.
Keep your machine protected and shop parts and accessories at MotoDepot Store.