Whether work-related or just seeking adventure, make sure you and your all-terrain vehicle (ATV), utility vehicle (UTV), quad, or side-by-side are protected.

We can help customize your policy to cover different types of risks to your off-road vehicle.

What does ATV Insurance/UTV insurance cover?

ATV Insurance/UTV insurance can cover the injuries or damages you’re liable for and repairs to your vehicle. However, we can offer more than just basic liability protection and comprehensive/collision coverage—so you can ride with maximum peace of mind.

Accessories and custom parts? No problem.

ATV insurance typically includes $3,000 in coverage for riding gear and any upgrades you’ve made to your vehicle, however, you can purchase up to $30,000 in additional coverage for most makes and models.

Total loss coverage for new ATV

If your ATV or UTV is no more than one model year old on a new policy or two model years old on a renewal policy with physical damage coverage, you could be paid the full MSRP. As an additional coverage, a deductible would apply.

Carried contents

Your ATV or UTV is often your work horse, as you use it to hunt or plow. Carried contents coverage protects your camping equipment, hunting gear, and any personal property that could fall out of your vehicle.