We know you love your all-terrain vehicle, or ATV, whether you’re a rancher, hunter, or trail rider. We also know that you want to be covered if your ATV is stolen or badly damaged, and proper ATV insurance coverage can help protect your investment.
Many states require ATV insurance for vehicles operated on state-owned land, and your homeowners policy might not cover you if you ride off your own property. That’s why ATV insurance coverage is especially important.
ATV insurance coverages, depending on the carrier, could include:
- Comprehensive – In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it’s
caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an
animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will
cover the rest.
- Collision – Collision pays for significant physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a
big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision
coverage will pay for the rest. Due to the rough nature in which many ATVs are used, Collision does not provide
coverage for scrapes, scratches, minor dings/dents, and other cosmetic/non-structural damage.
- Bodily Injury & Property Damage Liability – ATV insurance coverage offers Bodily Injury and Property Damage
Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your
assets, up to the limits you choose.
- Uninsured/Underinsured Motorist – If the person at fault for an accident doesn’t have insurance — or doesn’t have
enough insurance — Uninsured/Underinsured Motorist Bodily Injury will pay for injuries and damages you suffer that the
at-fault party is legally liable for, such as medical treatment and lost wages. You simply select the amount of ATV
insurance coverage you want, and you’re protected up to those limits.
How to Keep ATV Insurance Rates Low
Several factors can affect your ATV insurance rate. You may not be able to control them all, but there are a few things you can do if you have ATV insurance coverage and want to keep your rates low:
- Ride carefully. If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher.
- Choose your ATV carefully. ATVs with higher displacement, or those that are considered more aggressive machines, typically cost more to insure based on the history of claims for those vehicles.
- Buy More ATVs. You’ll receive a discount if you insure more than one ATV on most policies.