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What Does ATV Insurance Cover
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.
Table of Contents
The Big Problem: Most ATV Owners Don’t Have the Right Insurance
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.
ATV Insurance Market: Big and Growing
Look at these facts:
- The ATV insurance market was worth $2.55 billion in 2024
- By 2031, it will grow to $3.89 billion
- That’s a 6.3% growth each year[^2]
This means more and more people are getting smart about ATV insurance.
What Does ATV Insurance Cover? The Basics
Here’s what most ATV insurance plans will pay for:
- Liability Coverage – Pays when you hurt someone or break their stuff
- Collision Coverage – Pays to fix your ATV after a crash
- Comprehensive Coverage – Pays if your ATV gets stolen or damaged by fire, storms, or animals
- Uninsured Motorist – Pays if someone with no insurance hits you
- Medical Payments – Pays for your doctor bills after a crash
Types of ATV Insurance Coverage in One Easy Table
| 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 |
Why Your Home Insurance Isn’t Enough
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.
How Much Does ATV Insurance Cost?
What you pay depends on:
- How much riding you do
- Where you ride
- What kind of ATV or UTV you have
- How long you’ve been riding
- Your age
Most people pay $100 to $400 each year.[^3]
What Makes Your Insurance Cost More or Less?
| 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 |
The ATV Insurance Market is Growing Fast
See how much it’s growing:
2024: $2.55B ████████████████
2031: $3.89B ███████████████████████
This shows more people are buying ATV insurance each year.
What Kind of Coverage Do Most People Buy?
Here’s what most ATV owners get:
Liability: 40% ██████████
Collision: 30% ███████
Comprehensive: 20% ████
Medical/Uninsured: 10% ██
ATV Insurance Coverage Guide 2025
Market Growth
The ATV insurance market is growing fast. Here’s how it looks:
Common Coverage Types
Here are the types of coverage most ATV insurance plans offer:
Who Should Buy ATV Insurance?
Everyone who owns or rides an ATV or UTV should have insurance! This includes:
- Trail riders
- Farm workers
- Hunters
- Sport riders
- Snow plowers
- Family riders
What’s Not Covered by ATV Insurance
Be careful! Most plans will NOT pay for:
- Racing or competition events
- Riding on highways (most ATVs can’t go on main roads)
- Damage you cause on purpose
- Using your ATV for a job without telling your insurance
- Letting someone not on your plan ride your ATV
Top ATV Insurance Companies for 2025
The best companies for ATV insurance are:
- Progressive
- Geico
- Allstate
- Nationwide
- Foremost
All these work well with our factory UTV models and our custom builds.
Why Manufacturer Expertise Matters for Your Insurance
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.
Special Coverage for Custom and OEM Parts
Did you customize your electric UTV? You need special coverage!
Standard insurance often won’t pay for:
- Custom paint jobs
- Performance upgrades
- Added lights or sound systems
- Winches and bumpers
- Special tires
Make sure to ask for accessory coverage to protect your extras.
Tips to Save Money on ATV Insurance
Here are ways to pay less:
- Bundle your ATV insurance with your home or car insurance
- Take a safety course – can save you up to 15%
- Use your ATV for work – farm use often gets discounts
- Store your ATV safely in a garage or shed
- Pay once a year instead of monthly
- Choose a higher deductible if you can afford it
How to Choose the Right ATV Insurance
Follow these steps:
- List how you use your ATV – fun, work, hunting, etc.
- Know the value of your ATV and all parts
- Check what’s required in your state
- Get quotes from at least three companies
- Ask about discounts for safety courses, multiple vehicles, etc.
- Read the policy carefully before you sign
Why Manufacturer Insights Improve Your Coverage
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.
ATV vs. UTV Insurance: Key Differences
ATVs and UTVs need different insurance because:
- UTVs often cost more to fix
- UTVs can carry more people (more liability)
- UTVs are often used for work
- UTVs might have more custom parts
If you own one of our 500cc UTVs, make sure your policy knows it’s a UTV, not an ATV.
FAQ: Your Top Questions Answered
Do I legally need ATV insurance?
It depends on your state and where you ride. Some states require it, others don’t. Always check local laws.
Does my homeowner’s insurance cover my ATV?
Usually not when you’re off your property. And even on your property, coverage is very limited.
Can I insure a custom or modified ATV?
Yes! But you need to tell your insurance company about all changes and get accessory coverage.
Does ATV insurance cover passengers?
Not automatically. Make sure your liability coverage includes passenger liability.
What happens if someone else rides my ATV?
It depends on your policy. Some cover any rider, others only cover named riders.
The Future of ATV Insurance: 2025 and Beyond
The ATV insurance market will keep growing as:
- More people buy ATVs and UTVs
- Laws require more coverage
- Medical costs go up
- Climate risks like floods affect riding areas
Insurance companies will offer more custom plans for special uses like farming, hunting, and trail riding.
Protect Your Investment: The Manufacturer’s View
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.
Conclusion: Don’t Ride Without Protection
ATV insurance isn’t just about following laws. It’s about protecting:
- Your ATV or UTV investment
- Your savings and assets
- Your ability to keep riding after an accident
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.
