Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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ATV InsuranceBefore purchasing an All Terrain Vehicle (ATV), buyers should first consider the amount of ATV insurance they need to protect themselves and their investment.

According to, ATV related accidents cost society more than $3 billion each year in medical expenses, economic costs and emotional trauma.

Riders who take advantage of this form of recreation need to be aware of what type of insurance is required and what additional insurance is recommended.

To get FREE rate quotes on your ATV insurance start your search now by entering your ZIP code here!

Although policies differ, generally a person’s home owner’s policy will cover ATV damage and medical expenses if the accident occurs on his or her own property. Most policies also provide theft damage and liability if someone else is hurt on the ATV owner’s land. However, most people do not restrict their ATV use to their own property.

It’s important to check the individual state laws to make sure the ATV is in compliance and the rider is covered when using the ATV outside his or her property.

Visit the ATV 411 site for specifics on the laws where you live.

Additionally, if the ATV owner financed his purchase, the financial institution will most likely require a certain amount of insurance coverage.

As with automobile insurance, most states require at least liability insurance when operating an ATV outside the owner’s property. Liability coverage protects other people from being hurt or their property from being damaged by the ATV rider. It’s important to note that by purchasing a liability-only policy riders may save money, but it is the minimum amount of coverage available and does not protect the rider or the ATV itself.

Who Needs ATV Insurance

Because of the risk involved, most riders will pay more to purchase liability insurance on their ATV than they would on their automobile. However, not purchasing ATV insurance could cost the rider a fine and put his or her driver’s license in jeopardy.

Recommended Additional Coverage

To fully protect his or her person and property, a rider may choose the following additional forms of ATV Insurance. Most insurance companies will recommend purchasing a combination of liability, comprehensive and collision coverage.

My ATV InsuranceThese policy types offer protection from most events, whether or not the driver was at fault. Some companies will even offer discounts for “full” coverage, so the cost of adding more protection may not be much more than just purchasing a liability plan.

  • Adding collision coverage to a policy will cover any accident in which the rider hits another vehicle, including an ATV, car, motorcycle or recreational vehicle.
  • Comprehensive coverage will protect an ATV from loss as a result of vandalism, theft or fire. A home owner’s policy would cover these losses if the ATV was parked in an insured building, such as a garage. However, most policies will not cover damage if the ATV was parked out in the yard, and definitely not if it was at another location altogether.
  • Additional property damage coverage protects property belonging to someone other than the rider. For example, if the rider hits a fence, house, barn, sign or anything other than another vehicle, he or she would not have to pay the damages out of pocket. It would be covered under this policy.
  • Purchasing bodily injury coverage protects riders from lawsuits resulting from injury to another person during an ATV accident. The chance of the rider loosing his or her personal property because of being sued is decreased with this type of policy.
  • Riders can also purchase uninsured or underinsured coverage. These additions to the policy will protect the ATV owner from other riders  who may not have enough insurance coverage and are unable to pay for damages to property or medical expenses. For example, if an ATV owner is hit by a person who has no insurance, the ATV owner’s insurance will cover the damages. Then, the insurance company will go after the person who caused the accident to get reimbursed. The ATV owner saves money by not having to pay damages and saves time by not having to personally pursue the person who caused the accident.
  • One last addition riders may consider is medical payments coverage. This policy will cover emergency expenses, such as ambulance or life flight services and emergency room or doctor’s office visits.

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What Qualifies as an ATV?

Most insurance companies consider any vehicle featuring handlebar-style steering, an uncovered seat and that is specifically designed for off-road driving to be an ATV or All Terrain Vehicle. An ATV can have three, four, six or eight wheels. Additionally, most policies allow owners to insure up to four ATVs and five riders, providing discounts for multiple vehicles.

Your ATV Insurance

Items Included in a Policy

Accessories are usually included in an ATV insurance policy.

Many ATVs come with high tech features that are quite expensive. Coverage includes any permanently installed electronic equipment.

Be sure to check the policy carefully and specifically ask about any custom equipment. Other accessories commonly covered include:

  • Sidecars
  • Trailers
  • Trike conversion kits
  • Custom plating
  • Custom exhaust
  • Mower blades or plows
  • Safety accessories

Qualify for Discounts

Rider ATV InsuranceInsurers offer various discounts, so ATV owners should check with the individual companies. Below are some of the most common discounts offered. Although the percentage is small for each, added all together riders can receive a significant discount.

  • Multi-policy discounts are often available for people who use the same company for various policies, including home, automobile, motorcycles or boat policies
  • Taking an ATV safety course could earn riders an additional 5% off
  • Becoming a member of a riding association can save another small percentage
  • Install a theft-recovery device, such as a GPS theft-recovery system, and earn a lower premium for comprehensive coverage
  • Paying a policy in full as opposed to stretching it out over a year can shave even more off the total bill

Owning an ATV can be a lot of fun. To protect your investment make sure you know what coverage you need, that you have a trusted provider, and that you get the best price you can for the policy.

Get back on the trails quickly by typing your ZIP code into the FREE insurance quote tool now!