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Our Guide to ATV Insurance: Safeguard Your Adventures

by | Feb 11, 2022

All-terrain vehicles (ATVs) offer exhilarating experiences, but along with the excitement come inherent risks. Accidents can happen, and when they do, having the right insurance coverage is crucial. Many ATV owners may not fully understand the importance of ATV insurance or the available coverages. This guide aims to empower ATV owners to make informed decisions about their insurance coverage, ensuring they’re well-protected and can enjoy their off-road adventures with peace of mind.

Understanding ATV Insurance Coverage Options

Liability Coverage: Protects you financially if you’re found responsible for an accident while operating your ATV.

  • Bodily Injury (BI): Covers medical expenses, lost wages, and legal fees for the injured party.
  • Property Damage (PD): Covers repair or replacement costs for the other party’s vehicle or property.

Collision Coverage: Pays for repairs or replacement of your ATV if it’s damaged in an accident, regardless of fault. This coverage can be especially important if you’ve invested in an expensive ATV, as it helps you avoid significant out-of-pocket expenses in case of an accident.

Comprehensive Coverage: Protects your ATV from non-collision events like theft, fire, vandalism, or natural disasters. This coverage is valuable for those who store their ATVs outdoors or in areas prone to extreme weather events, as it protects from various risks.

Uninsured/Underinsured Motorist (UM/UIM) Coverage: Safeguards you if you’re involved in an accident with a driver who has no insurance or insufficient coverage. It covers your medical expenses and, in some cases, property damage. This coverage is essential because not all ATV riders carry insurance, leaving you vulnerable to financial losses if you’re involved in an accident with an uninsured rider.

Medical Payments (MedPay) / Personal Injury Protection (PIP): MedPay and PIP cover medical expenses for you and your passengers, regardless of fault. PIP also covers lost wages and other non-medical expenses. This coverage can be especially beneficial if you frequently ride with passengers, as it helps ensure their medical costs are covered in the event of an accident.

Additional Coverage Options

  • Accessory Coverage: Protects any added equipment or customizations on your ATV, such as winches, racks, or upgraded suspension systems. If you’ve invested in accessories or modifications for your ATV, this coverage can help you avoid significant replacement costs in case of damage or theft.
  • Trailer Coverage: Provides protection for your trailer to transport your ATV. This coverage is valuable if you frequently transport your ATV to different riding locations, as it helps safeguard your investment in your trailer.
  • Transport Coverage: Covers your ATV while it’s being transported, such as on a trailer or in the back of a truck. This coverage can give you peace of mind knowing that your ATV is protected during transport, even in an accident.

Selecting Appropriate Coverages for Your ATV Insurance

Determining Your Needs: Consider factors like the value of your ATV, how often you use it, and the type of terrain you ride on when deciding on the appropriate coverage. For example, suppose you ride your ATV primarily on private property and have a low risk of encountering other riders. In that case, you may need less liability coverage than someone who frequently rides on public trails.

Importance of Higher Liability Limits: We recommend a minimum liability coverage limit of $300,000 to ensure you’re well-protected in a severe accident. Higher liability limits can protect your financial assets and provide peace of mind in a costly accident involving injuries or significant property damage.

Considering an Additional Umbrella Policy for Added Protection: An umbrella policy can provide extra liability protection beyond the limits of your ATV policy, safeguarding your assets in case of a large claim or lawsuit. This type of policy can be particularly valuable for ATV owners with substantial assets or those who frequently ride in high-risk situations where accidents are more likely to occur.

Real-Life Stories Illustrating the Importance of ATV Insurance

The Financial Cost of an Uninsured ATV Accident: In 2017, a young couple in Utah enjoyed a day of off-roading on their ATVs when an accident occurred, severely injuring both riders. Without an ATV insurance policy, they faced mounting medical bills and rehabilitation expenses, which led to financial hardship and even bankruptcy. This story illustrates the importance of having proper ATV insurance coverage to protect against unforeseen accidents and financial burdens.

Adequate Coverage Saves the Day: An experienced ATV rider in Idaho was enjoying a weekend adventure in the mountains when a sudden collision with another rider caused significant damage to both vehicles. Fortunately, the rider had a comprehensive ATV insurance policy with sufficient coverage, which allowed for the necessary repairs and medical expenses without any out-of-pocket costs. This story highlights the value of having adequate ATV insurance coverage, as it can help cover the costs of unexpected accidents and allow you to continue enjoying your off-road adventures.

Compelling ATV Accident and Insurance Statistics

ATV Accidents Resulting in Lawsuits: According to a study by the Insurance Research Council, about 13% of ATV accidents result in personal injury lawsuits. This highlights the importance of having adequate liability coverage to protect against potential legal costs.

Uninsured ATVs and Stolen Vehicles: The National Insurance Crime Bureau (NICB) reported that in 2016, over 20,000 ATVs were stolen in the United States. Without ATV insurance, owners of stolen vehicles face significant financial loss in replacing their stolen ATVs.

How to Save Money on ATV Insurance Premiums

  • Raise deductibles: Increasing your deductible means you’ll be responsible for more expenses in case of a claim, which can lead to lower premiums.
  • Maximize discounts: Take advantage of available discounts such as safe rider, anti-theft device, or multi-policy discounts, which can lower your premium without reducing your coverage.
  • Bundle policies: Combining your ATV insurance with other policies like home or auto insurance can result in significant savings.
  • Shop around: Comparing quotes from different insurance providers can help you find the best coverage at the most competitive price.

Common ATV Insurance Myths Debunked

Myth: Homeowners insurance is enough to cover your ATV.
Fact: While some homeowners policies may provide limited coverage for your ATV, it’s typically insufficient and may not cover you while riding off your property. A standalone ATV policy is crucial for adequate protection.

Myth: ATVs don’t need insurance because they’re only used off-road.
Fact: Accidents can happen anywhere, and your ATV is still at risk of theft or damage when stored. An ATV insurance policy ensures you’re protected no matter where your adventures take you.

Frequently Asked Questions (FAQs) About ATV Insurance

Q: Does my state (Idaho, Utah, or Wyoming) require ATV insurance?
A: While none of these states require ATV insurance by law, protecting yourself and your investment is still highly recommended. Additionally, some off-road parks, private properties, or loan/lease agreements may require you to have insurance.

Q: Can I share my ATV insurance with friends or family members who use my ATV?
A:ATV insurance typically covers the owner and any permissive user. However, reviewing your policy details is essential to understand the extent of coverage for other riders.

Q: What factors influence the cost of my ATV insurance premium?
A: Various factors can influence the cost of your ATV insurance premium, such as the make, model, and age of your ATV, your driving history, where you ride and store your ATV, and the types and levels of coverage you choose. By understanding these factors, you can make informed decisions about your coverage and potentially reduce your premium costs.

We’re Here to Help When You’re Ready

Protecting your off-road adventures is crucial, and understanding the various ATV insurance coverage options and selecting the appropriate coverages for your unique situation is critical. 

Our team of experts at Page Insurance is here to help guide you through the process, so you can make informed decisions and enjoy peace of mind as you embark on your off-road journeys. Please don’t leave your ATV protection to chance; contact us at Page Insurance today and let our experienced professionals help you find the coverage you want.

Click here when you’re ready to get a zero-pressure option to consider.


John Page, President of Page Insurance, has been a driving force in the insurance industry since 1998. As a licensed agent in Property & Casualty, Life, and Health insurance, John has won numerous awards for agency management and works tirelessly to improve agency operations with the clients in mind. He is passionate about building and investing in the Page team of experts, ensuring they deliver top-notch service to clients. In his free time, John enjoys snowmobiling, gaming, reading, and traveling with his wife and three kids, who are the loves of his life. John is a big hockey fan who loves rooting for the local Idaho Falls hockey team.