Coverage Considerations for ATV Owners

If you have an ATV or another off-road, recreational vehicle, you probably need a separate ATV insurance policy. Why?

  • ATVs have a high theft rate
  • Your homeowners insurance might not provide adequate coverage
  • ATV insurance might be required if you use your ATV in public or state-owned park, or on public land

ATV insurance is similar to auto insurance, but there are a variety of special coverage considerations for you to know about. The amount of coverage you need will be based on your particular needs and circumstances.

  • Collision coverage: Pays for covered damage to your ATV when it hits or is hit by another vehicle or an object, subject to your deductible.
  • Property damage liability coverage: Insures you up to a determined limit against damages caused to someone else’s property while operating your ATV. Property damage liability coverage will also typically provide you with a legal defense if another party files a lawsuit against you.
  • Bodily injury liability coverage: Insures you up to a determined limit for damages if you injure or kill someone while operating your ATV. Bodily injury liability coverage typically provides you with a legal defense if another party files a lawsuit against you.
  • Comprehensive coverage: This optional coverage pays for covered losses resulting from incidents other than collision, such as theft, vandalism or fire, subject to your deductible. While comprehensive coverage is optional, it is essential to protecting you from occurrences of theft or vandalism during periods when you may not be using your ATV.
  • Uninsured/underinsured motorist coverage: Just like auto insurance, uninsured/underinsured motorist coverage for ATVs insures you against damages in the event of an accident on a public road or highway with a driver who has no insurance or insufficient insurance to pay for your expenses.

ATV insurance will typically cover your vehicle and any other operators if they are at least 16 years old and possess a valid drivers license. Your ATV coverage will extend beyond you and will cover the vehicle whenever it is driven by a licensed driver.

The cost of ATV insurance varies based on your driving record, the speed capabilities of the ATV, how often you use it, your credit history, the ages of potential drivers, your age, gender, and more. Safe driver discounts are available for ATV owners with clean driving records. In addition, you may save money on your ATV insurance if you take an ATV safety course.

What About My Trailer and Other Equipment?

Trailers that haul ATVs from place to place can become unhitched and cause damage to other vehicles and their passengers. Your car insurance may or may not cover damages from your unhitched trailer, so you need to know what your auto insurance covers and if you need trailer insurance to fill the gaps.

You might be able to add trailer insurance on to your existing auto insurance policy, depending on the type of trailer you have and what you use it for. In addition, your homeowners insurance might cover your trailer if it is a certain size and is stored at home when it is not in use. Typically you will need some combination of liability, collision and comprehensive coverage to adequately cover your ATV trailer. We can help you determine and access the coverage you need for your ATV trailer. In addition, special supplemental policies are available for many other ATV accessories or gear you may have.