ATV Insurance

Coverage That Goes Off-Road

There’s nothing like riding your ATV, whether on a trail, through mud, or just around your property. Whether you’re thrill riding, exploring, or simply getting tasks done, riding an ATV comes with its own set of risks. Along with the proper safety gear, you also need the protection that ATV insurance offers.

What Is ATV Insurance?

ATV insurance plans are specifically designed for people who own ATVs or four-wheelers. These vehicles are known for being enjoyable, especially when taken off-road. However, they also come with some potential risks and dangers that owners must be aware of. An ATV can be a lot of fun to ride around, but accidents can happen – and they can be costly. Just like your regular auto insurance policy, ATV insurance is there to cover the costs resulting from an ATV accident, whether that be medical payments if you or another person are injured, the cost of replacing your vehicle, or another covered loss.

3 Reasons to Buy ATV Insurance

Do I Need ATV Insurance?

Having ATV Insurance is important to have whether you use your off-road vehicle for recreational purposes or putting it to work out on the farm.

Every person’s situation and ATVs are different, and because of this, Your Virtual Agent is ready to help you with any questions or concerns regarding the best coverage for your ATV.

What Does ATV Insurance Cover?

ATV Insurance Policies can cover a variety of areas such as Bodily Injury Liability, Property Damage Liability, or Medical Payments Coverage.

However, when it comes to ATV coverage, everyone’s situation and vehicles are unique and deserve the expertise from your personal virtual agent to help you decide what is best for your needs.

How Much Coverage Do I Need?

The amount of insurance coverage you may need for your ATV depends on a range of factors, including the value of your vehicle, your riding habits and how you use the ATV, and the state in which you live. Generally speaking, it’s a good idea to purchase enough coverage to replace your ATV and pay for any property damage or medical expenses you incur as the result of an accident. At least $250,000 is a good starting point for liability coverage, but your agent can give you the most accurate estimate based on your vehicle and situation.