All-terrain vehicles (ATVs) are powerful machines that can provide hours of thrilling off-road adventures. However, like any vehicle, ATVs are not immune to accidents and damages. That’s why it’s essential to have ATV insurance coverage. In this article, we will discuss the basics of ATV insurance and what you need to know before you ride.

What is ATV insurance?

ATV insurance is a type of policy that provides protection for your ATV in case of accidents, theft, or damages. It’s similar to auto insurance, but with coverage tailored to the unique risks associated with ATVs. ATV insurance typically covers liability, collision, and comprehensive coverage.

Liability coverage

Liability coverage is the most basic type of ATV insurance coverage. It covers damages to other people’s property or injury to others caused by your ATV. Liability coverage can also help you pay legal fees if you are sued for damages caused by your ATV. In some states, liability coverage is required by law.

Collision coverage

Collision coverage is designed to pay for damages to your ATV if you collide with another vehicle or object. This coverage also applies if your ATV is damaged in a rollover accident.

Comprehensive coverage

Comprehensive coverage provides protection for your ATV in case of theft, vandalism, or damages caused by natural disasters, such as floods or storms.

What factors affect ATV insurance rates?

Several factors can affect your ATV insurance rates, including:

  • Age: Younger riders are often charged higher premiums than older riders.
  • Driving record: Just like with auto insurance, a clean driving record can help you get lower rates.
  • Location: Your location can affect your insurance rates, as some areas may be more prone to accidents or theft.
  • Type of ATV: The make and model of your ATV can affect your insurance rates, as some models are considered riskier than others.
  • How you use your ATV: If you use your ATV for work or racing, you may need additional coverage, which can increase your rates.

What should you consider when choosing ATV insurance coverage?

When choosing insurance coverage for your ATV, it’s essential to consider your needs and budget. Here are a few things to keep in mind:

  • Liability coverage: Make sure you have enough liability coverage to protect yourself in case of an accident. Consider increasing your coverage limits if you have assets you want to protect.
  • Deductibles: Your deductible is the amount you must pay out of pocket before your insurance coverage kicks in. You can choose to pay a higher deductible which will lower your premiums, but be sure you can afford the deductible if you need to make a claim.
  • Additional coverage: If you use your ATV for work or racing, you may need additional coverage. Make sure you understand what additional coverage is available and consider adding it to your policy if necessary.


ATV insurance is essential for anyone who owns an ATV. Accidents can happen, and damages can be costly. By understanding the basics of ATV insurance, you can make an informed decision about what coverage you need to protect yourself and your ATV. Be sure to shop around for insurance quotes and compare policies from different providers to find the coverage that’s right for you.