ATV Insurance

About ATV Insurance

Modern ATV insurance grew alongside the machines themselves. When Honda's US90 three-wheeler hit U.S. shores in 1969, farm cooperatives urged carriers to treat the new machines more like utility tractors than toys, so underwriters reworked motorcycle forms to account for towing and payload use.¹

Regulators accelerated that change in 1988 when the U.S. Consumer Product Safety Commission brokered a consent decree halting three-wheel production and requiring safety messaging, prompting insurers to scrutinize rider age, horsepower, and training before binding coverage on high-powered quads.²

Through the 1990s and early 2000s, more trail systems and lenders demanded proof of liability insurance, while national carriers rolled out recreational vehicle packages that marry bodily injury, property damage, medical payments, and custom parts endorsements for both youth models and workhorse side-by-sides.³

Today's ATV policies routinely bundle towing, accessory, and guest passenger provisions so a single renewal can protect farm chores, hunting trips, resort rentals, and snowplow duty, all tailored to the machine's value, terrain, and storage routine.⁴ CPSC's May 20, 2025 OHV report still attributes more than two-thirds of recent off-highway fatalities to ATVs, which keeps liability, medical, and accessory coverage near the top of every underwriting checklist.⁵

Coverage Highlights

Trail rides, farm chores, resort rentals, and side-by-side road crossings demand coverage that flexes with each environment. Core protections typically include:

• Liability & Guest Passenger: Pays for bodily injury and property damage you cause on private land, club trails, or county roads that allow ATVs, including guest passengers in multi-seat rigs.¹
• Comprehensive & Collision: Repairs or replaces the machine after theft, rollover, fire, or a collision with another vehicle or tree, covering everything from race-tuned long-travel rigs to youth quads strapped to a trailer.²
• Custom Parts & Performance Mods: Extends limits to winches, tracks, plows, beadlock wheels, radios, and lighting kits so aftermarket upgrades are reimbursed after a covered loss rather than capped at basic accessory limits.³
• Transport & Storage Protection: Applies while loading, unloading, or hauling the ATV, and can extend to barns, enclosed trailers, or winter storage units in case of fire, theft, or storm damage.⁴
• Medical Payments & Uninsured Motorist:Provides quick access to treatment for you and your guests even when the at-fault rider or pickup driver lacks sufficient coverage, filling gaps left by personal health plans.⁵
• Riding Apparel, Recovery, & Safety Gear:Reimburses helmets, boots, navigation devices, and communications gear damaged during a covered loss and may include towing or limited search-and-rescue benefits in remote terrain so you are not eating the cost of protective gear replacements.⁶

Rising Costs

CPSC logged 2,078 OHV fatalities from 2020-2022 (67% involving ATVs) and estimates more than 100,000 emergency-room injuries every year, reminding carriers that bodily injury severity is still trending up.¹ On the property side, BLS data compiled by CarInsurance.com shows the motor-vehicle maintenance and repair index jumping more than 20 points between January 2021 and April 2025, which filters directly into parts and labor charges for performance side-by-sides.² Add in CSM Industry's finding that tariffs and supply chain disruptions boosted U.S. powersports component costs 18-30% since 2021 and you can see why underwriters are raising deductibles, requiring photos, and limiting wildfire- or flood-prone storage locations.³

Cheaper Premiums

Documented safety habits still earn the best pricing. CPSC urges ATV riders to complete ATV Safety Institute courses, wear DOT-approved helmets, and limit passengers—all behaviors insurers reward because they directly reduce the crash and injury rates driving recent loss trends.¹ Logging those certificates, keeping clean MVRs on file, and showing the machines stay on private land help us lobby for preferred tiers.

Progressive, GEICO, and other national carriers also discount for multi-vehicle bundling, OEM anti-theft systems, and accessory lists that document actual values—some even throw in $3,000+ of accessory and safety-apparel coverage once you provide receipts.^2,3 Sharing updated photos of trailers, storage barns, GPS trackers, and VIN etching gives underwriters evidence that theft exposure is under control, which can offset some of today's rate pressure.

What We Do

We catalog each machine's VIN, displacement, seating layout, aftermarket accessories, and whether it hauls firewood, plows snow, patrols acreage, or tackles technical trails. That profile helps us pair you with carriers comfortable insuring mixed-use fleets that include youth quads, sport ATVs, and workhorse side-by-sides on the same policy. By aligning coverage limits with your receipts, storage plans, and travel schedule, we keep agreed value, accessory limits, medical payments, and liability protection exactly where they need to be before the next ride.