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ATV / UTV Insurance

Your coverage options

As your Independent Insurance Agent, we can tailor your policy to fit your needs and budget.

Protecting yourself

Liability : If someone is hurt or their property is damaged in an accident, your liability limits will help pay for covered damages and expenses, including court costs if you are sued

Medical Payments Protection : For accident related medical expenses up to the policy limits for anyone injured while riding on your ATV/UTV, regardless of who's at fault. 

Uninsured/Underinsured Motorists : If you're injured in an accident caused by someone with minimal or no insurance, your Uninsured/Underinsured Motorists coverage will protect you and any guest passengers of your ATV/UTV up to your policy limit.

Protecting your ATV/UTV

Collision : This coverage protects your ATV/UTV if it's damaged from hitting another vehicle or object.

Comprehensive : This coverage protects your ATV/UTV from theft, vandalism, fire, or severe weather events such as windstorms, hail or flood.

How your deductible works

An ATV/UTV insurance deductible is what you pay out of pocket to repair your machine if you have an accident or claim.


For example, if you have a $500 deductible and $2,000 in repair costs, you'll pay $500 and your insurance company will pay the remaining $1,500.


You have a choice of deductible amounts; choosing a higher deductible lowers your insurance rate but requires a greater out-of-pocket expense should you have an accident.

ATV Drivers
Off Road Race

Looking for ATV/UTV Insurance Discounts?

Dollar Bill in Jar

If you bundle your policies you receive a discount, but there is so much more than bundling... 

  • Paperless or E-Documents

  • Paid in Full

  • Automatic Payments

  • Motorcycle Endorsement

  • Advanced Quote

  • Continuous Insurance

  • Safe Driver

  • Claims Free

  • Violation Free

  • Safety Course Discount

  • The more policies you bundle, the more you save!

Making the process easier

Roadside Assistance : From a jump-start to a tow, most of our carriers offer Roadside Assistance for as low as $1/month!


Custom Parts & Equipment : With physical damage coverage, you automatically get up to $2,500 in coverage for custom parts and equipment such as safety apparel, LED lights, permanently installed electronics, custom paint (up to $1,000) or custom exhaust. Limits up to $20,000 are also available.

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