Personal Insurance
ATV & UTV Insurance
ATVs and UTVs are built for adventure — but that same off-road capability comes with real risks. Whether you use your ATV for farm work, hunting, trail riding, or recreation, dedicated ATV/UTV insurance protects your investment and covers your liability when things don't go as planned. Standard auto and homeowners policies typically don't extend to off-road vehicles.
What ATV & UTV Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Collision coverage — repairs or replaces your ATV or UTV after an accident
Comprehensive coverage — covers theft, fire, and non-collision damage
Liability coverage if you injure someone or damage property while riding
Medical payments for injuries sustained during a ride
Uninsured/underinsured motorist coverage for trail or road incidents
Custom parts and accessories coverage for upgrades and aftermarket equipment
Trailer coverage for the trailer used to haul your vehicle
Who Often Explores ATV & UTV Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Recreational riders who use trails, parks, or private land
Farmers and ranchers who rely on ATVs or UTVs for daily work
Hunters who use off-road vehicles for land access
Families with youth ATVs who want added safety and coverage
Sport riders who participate in racing or competitive events
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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