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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

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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

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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. 

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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

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

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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

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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

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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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