Thinking about hitting the trails with your side-by-side or four-wheeler? UTV (Utility Task Vehicle) and ATV (All Terrain Vehicle) insurance is here to help you enjoy every moment with peace of mind. It’s a special kind of protection made just for off-roaders—covering you, your passengers, and your vehicle in case of accidents, theft, or damage. While it’s similar to auto insurance, UTV and ATV insurance is designed for the unique adventures and challenges you’ll find off the beaten path.

• State Law: Every state has its own rules. In many places, you don’t have to get UTV or ATV  insurance if you’re riding only on private property. But why take chances?
• Public Lands & Parks: If you’re exploring public trails and parks, most spots require you to have minimum liability coverage. It’s a way to keep everyone safe while enjoying the great outdoors together.
• Financing/Leasing: If your UTV or ATV is financed or leased, your lender will likely ask for comprehensive and collision coverage. They want to make sure your investment is protected—just like you do!
• Homeowners Insurance Limits: While some hope their homeowners policy will take care of their UTV and/or ATV, coverage is usually minimal, especially when your vehicle leaves your property. Standalone UTV and ATV insurance is a smart move for real protection.

You can build a UTV/ATV insurance policy that fits your life and style. Here’s what it can include:

• Bodily Injury Liability: Helps pay medical bills and legal costs if someone else or a passenger is hurt while you’re driving your UTV or ATV.
• Property Damage Liability: Covers repairs if you accidentally damage someone’s property—a fence, another vehicle, or even a building.
• Collision Coverage: If your UTV/ATV bumps into another vehicle or object (like a tree or fence), collision coverage helps pay for repairs or replacement, no matter whose fault it is.
• Comprehensive Coverage: Protects against those “just in case” moments—like theft, vandalism, fire, wild weather, or even unexpected animal encounters.
• Medical Payments: Takes care of medical costs for you and your passengers after an accident, no matter who’s at fault.
• Uninsured/Underinsured Motorist: If you have an accident with someone who doesn’t have enough insurance, this coverage steps in to help.
• Optional/Special Equipment: Got custom parts, upgrades, or cool riding gear? Many policies let you add coverage for all the extras that make your ride uniquely yours.

UTV/ATV insurance doesn’t have to break the bank! Your rate depends on a few things:

• Vehicle Make and Model: The kind of UTV/ATV you have can affect your premium.
• Location: Where you live matters, since local laws and risks can influence your rates.
• Driving History and Age: Just like with car insurance, your age and driving record can play a role.
• Coverage Choices: Pick what fits—basic liability is often quite affordable, while full protection is a bit more.

Basic UTV/ATV policies can start as low as  $7 per month. If you want full coverage, expect an average of several hundred dollars per year, depending on your choices and needs.

UTV and/or  ATV insurance is about more than just paperwork—it’s your ticket to carefree and fun off-road adventures. Even if you’re not required to have it by law, the right policy means you’re always ready for whatever comes your way, whether that’s exploring public lands, meeting lender requirements, or just enjoying peace of mind. Talk with one of our Agents today to customize a policy that fits you, your UTV/ATV, and your adventures. Happy riding!