Yes, you read that right, 1 unit is also wholesale price. Whether you are a UTV dealer or a regular customer.
Do you ride an ATV or UTV? Do you worry about what might happen if you crash? Do you know what your insurance will pay for?
Let me help you learn about ATV insurance. This will keep you and your fun vehicle safe.
Many ATV and UTV owners think their home insurance covers their off-road rides. This is not true! When you crash or your ATV gets stolen, you might have to pay all costs yourself.[^1]
Think about this. Your new side by side UTV costs $15,000. You crash it. The fix costs $8,000. Your home insurance says “no” to your claim. Now what? You pay it all! That’s a lot of money that could stay in your pocket.
As an ATV and UTV maker, I know what can go wrong. That’s why I tell all my customers about the right insurance for their ride. The right plan can save you from big bills and big stress.
Look at these facts:
This means more and more people are getting smart about ATV insurance.
Here’s what most ATV insurance plans will pay for:
| Type of Coverage | What It Pays For | How Many Plans Have It | What It Won’t Pay For |
|---|---|---|---|
| Liability | Other people’s hurts and broken stuff | 95% | When you race |
| Collision | Fix your ATV after a crash | 80% | If you break it on purpose |
| Comprehensive | Theft, fire, floods, trees falling | 80% | Normal wear and tear |
| Uninsured Motorist | Your costs when hit by someone with no insurance | 65% | Riding on main roads |
| Medical Payments | Your doctor bills | 70% | Health problems you had before |
I see this a lot. A proud new owner of our 4×4 UTV thinks their home insurance will cover their rides. They’re wrong!
What if your child takes your ATV out and hits your neighbor’s fence? What if you flip your UTV and break your arm? Your home insurance might not pay a penny!
Get real ATV insurance. It costs less than you think and covers way more than your home plan.
What you pay depends on:
Most people pay $100 to $400 each year.[^3]
| Factor | Effect on Cost | Example |
|---|---|---|
| Rider Experience | Big change (20-30%) | New riders pay 25% more |
| ATV Value | Direct link | High-end ATVs: +40% more |
| How You Use It | Medium change | Farm use: 15% less |
| Where You Ride | Big change | Risky places: +35% more |
See how much it’s growing:
2024: $2.55B ████████████████
2031: $3.89B ███████████████████████
This shows more people are buying ATV insurance each year.
Here’s what most ATV owners get:
Liability: 40% ██████████
Collision: 30% ███████
Comprehensive: 20% ████
Medical/Uninsured: 10% ██
The ATV insurance market is growing fast. Here’s how it looks:
Here are the types of coverage most ATV insurance plans offer:
Everyone who owns or rides an ATV or UTV should have insurance! This includes:
Be careful! Most plans will NOT pay for:
The best companies for ATV insurance are:
All these work well with our factory UTV models and our custom builds.
Many ATV owners buy a basic plan without thinking about their specific vehicle and how they use it.
That can lead to bad surprises when you make a claim. Your add-ons might not be covered. Your custom parts might not be included. Your specific use might be excluded.
As a maker of custom ATVs and UTVs, I can help you understand exactly what insurance you need for your specific ride. We know what can go wrong with each model and can guide you to the right coverage.
Did you customize your electric UTV? You need special coverage!
Standard insurance often won’t pay for:
Make sure to ask for accessory coverage to protect your extras.
Here are ways to pay less:
Follow these steps:
Insurance companies often don’t understand the special features of ATVs and UTVs, especially custom ones.
This can leave gaps in your coverage. You might think you’re protected when you’re not.
As a manufacturer, I can tell you exactly what can go wrong with each model. I can help you pick coverage that truly protects your investment.
This is especially important for our specialty models like the UTV with cargo bed that might be used for both work and play.
ATVs and UTVs need different insurance because:
If you own one of our 500cc UTVs, make sure your policy knows it’s a UTV, not an ATV.
It depends on your state and where you ride. Some states require it, others don’t. Always check local laws.
Usually not when you’re off your property. And even on your property, coverage is very limited.
Yes! But you need to tell your insurance company about all changes and get accessory coverage.
Not automatically. Make sure your liability coverage includes passenger liability.
It depends on your policy. Some cover any rider, others only cover named riders.
The ATV insurance market will keep growing as:
Insurance companies will offer more custom plans for special uses like farming, hunting, and trail riding.
I see customers spend thousands on a quality Chinese UTV or American-made ATV, then skip insurance to save a few hundred dollars.
One crash can cost more than your vehicle is worth. One liability claim can cost hundreds of thousands. One theft can leave you with nothing.
Proper insurance costs far less than replacing your vehicle or paying for someone’s medical bills. It’s not just smart—it’s essential.
ATV insurance isn’t just about following laws. It’s about protecting:
As a manufacturer, I want to see you enjoy your vehicle for many years. The right insurance helps make that happen.
Ready to find the perfect ATV or UTV for your needs? Check out our selection of best sport UTVs and get expert advice on both your vehicle and the right insurance to protect it.
