Do I Need ATV Insurance? | ATV Insurance Education


Do I need ATV insurance? The requirement varies by state, use, and ownership status. While it’s not universally mandated, insurance is essential on public land and for financed ATVs, and offers crucial financial protection. This article demystifies the question, “do I need ATV insurance?”, detailing when it’s legally necessary and how it serves as financial armor. Get ready to discover why ATV insurance might be a game-changer for your off-road adventures.

Key Takeaways

  • ATV insurance requirements vary by state, and while it’s not legally mandated everywhere, it’s required on state-owned lands, when leasing or financing, and in certain competitive events.

  • ATV insurance typically includes liability, collision, and comprehensive coverage, aiding with costs from accidents, repairs, or non-collision incidents like theft or natural disasters.

  • The cost of ATV insurance is influenced by factors such as the rider’s age, ATV makes and model, and intended use, with average costs for basic liability at around $88/year and full coverage at approximately $327/year.

Understanding ATV Insurance Necessity

The buzz of your ATV and the thrill of navigating off-road trails can quickly be overshadowed by the staggering costs of an unexpected accident, especially if you’re uninformed about ATV insurance necessities. The requirements for ATV insurance are as varied as the trails you ride, reflecting a complex regulatory environment for ATV owners. Most states do not mandate ATV insurance by law, leaving the onus on you to investigate your local ATV insurance requirements.

ATV insurance can be a legal obligation in specific circumstances. For instance, when your all-terrain vehicle is operated on state-owned lands, insurance coverage becomes a necessity. Essentially, the decision to purchase ATV insurance should be heavily influenced by the potential financial repercussions of accidents, given the varying state regulations.

State Mandates and ATV Insurance

The ATV insurance landscape is as diverse as the United States itself, with requirements varying significantly from one state to another. States like Pennsylvania and California, for instance, mandate ATV insurance when operating ATVs on public lands or state-owned properties.

In certain scenarios such as when the ATV is leased, financed, used in state parks, or involved in competitive events, having ATV insurance becomes a legal obligation. It’s also important to note that local and state laws dictate where ATVs can be operated without insurance, with some areas permitting it and others not.

Riding on Public Lands: Insurance Implications

When it comes to riding on public trails, the law often requires ATV insurance, regardless of whether your ATV is being operated on your own property or not. National parks and RV trails, for instance, mandate ATV insurance irrespective of state requirements.

ATV liability insurance is required for riders using state-owned lands and parks. This insurance is mandatory to ensure protection for both the rider and the property. In some states, you might even be required to provide proof of insurance to obtain a permit for riding on state-owned lands.

You can read more of our blogs about ATV Insurance for more information.

DID YOU KNOW? ATVs account for over 100,000 emergency room visits annually in the United States. With such high incident rates, having proper insurance coverage is not only a legal consideration but a critical safety measure for all ATV enthusiasts.

The Scope of ATV Insurance Coverage

Understanding the scope of ATV insurance coverage is critical to ensure you’re fully protected. A typical ATV insurance policy encompasses liability, collision, and comprehensive coverages. ATV insurance cover, particularly liability coverage, is a fundamental component that protects against the costs of bodily injury and property damage caused to others, but not injuries to the policyholder or damages to the ATV.

Collision coverage, on the other hand, supports ATV owners by covering repair costs resulting from accidents with other ATVs, side-by-sides, or motorized vehicles.

Moreover, comprehensive coverage provides protection against a range of non-collision incidents, such as:

  • theft

  • vandalism

  • fire

  • certain natural disasters.

Protecting Against Liability Claims

The importance of liability insurance cannot be overstated. It covers damages or injuries caused to others by the ATV operator, including medical expenses, legal fees, and property damage. Without ATV insurance, you are personally liable for any accidents, including medical costs that may arise from injuries to others.

ATV-related accidents can lead to legal actions, potentially resulting in substantial legal fees for the uninsured. Moreover, if an ATV rider damages someone else’s property in an accident, property damage liability coverage can cover the costs up to the policy limits.

Collision and Comprehensive Coverage: What’s Covered?

Collision coverage is crucial as it entails repair or replacement costs of the ATV after a collision, regardless of who was at fault. It assists in cases where the ATV or similar off-road vehicle is involved in an accident with another vehicle.

On the other hand, comprehensive coverage protects ATV owners against external factors beyond collisions, such as severe weather events. Risks like theft and vandalism are also covered under comprehensive coverage, saving owners from bearing full replacement or repair costs.

Comparing ATV Insurance Costs

The cost of ATV insurance can be influenced by numerous factors, including:

  • The rider’s age

  • Driving record

  • The ATV’s make and model

  • Its intended use

  • The location where the ATV will be operated

For instance, utility-type ATVs often cost less to insure as they are mainly used for work, whereas 4×4 ATVs are more expensive due to their ability to navigate multiple terrains.

On average, ATV insurance cost for basic liability coverage is about $88 per year, while full coverage can raise the average annual cost to approximately $327. However, ATV owners may be eligible for discounts on their insurance premiums by:

  • Bundling policies

  • Insuring multiple vehicles

  • Installing anti-theft devices

  • Maintaining a clean driving record

  • Having a good credit score

  • Being members of certain associations

  • Completing an ATV safety course.

Is ATV Insurance Expensive?

Generally, ATV insurance is less expensive than motorcycle insurance, as ATVs are typically used less frequently and for shorter distances. However, the cost can vary considerably based on several factors, including the type of ATV, the rider’s experience, and the level of coverage selected.

A good driving record can lead to lower ATV insurance costs, as insurers often reward safe drivers with discounts. So, practicing safe riding techniques can not only keep you safe on the trails but also help you save money on your ATV insurance.

ATV Insurance Versus Other Policies

When it comes to insuring your ATV, it’s important to understand that standard auto and home insurance policies do not cover ATVs. This is due to the unique risk profiles associated with off-road vehicles like ATVs.

Specifically, ATV insurance covers liabilities and damages associated with ATV use, unlike health insurance which covers medical expenses from injuries irrespective of the activity, including those sustained while using an ATV.

Home Insurance and Your ATV

Homeowners insurance provides limited coverage for ATVs, primarily when they are operated on the owner’s property. However, this coverage is not as extensive as a dedicated ATV insurance policy and generally does not cover ATV accidents.

Given that home and auto insurance policies usually do not cover ATVs, obtaining a separate ATV insurance policy is necessary for comprehensive protection. It’s vital to ensure you have adequate coverage to protect yourself from potential financial risks associated with ATV use.

Auto Insurance: Does It Extend to ATVs?

ATVs are primarily designed for off-road use and are not allowed on public roads in most states. As a result, they are classified as off-road vehicles requiring specialized insurance coverage.

If you’re involved in an accident while using an ATV, your individual auto insurance policy will not provide coverage for that situation. It’s important to consider separate ATV insurance for protection. A standard auto insurance policy does not include ATVs, which require a separate policy often comprising liability, comprehensive, and collision coverage.

Selecting the Right Insurance Provider

When it comes to selecting an insurance company for your ATV, doing your homework pays off. It’s crucial to compare quotes from at least three different insurance providers, as they may offer different rates based on how they evaluate rider and vehicle risks.

Selecting ATV insurance coverage should be a personalized process, tailoring policies to fit your specific riding habits and individual needs. You must consider your budget and ensure your insurance policy includes sufficient liability coverage while also understanding how deductibles impact premiums.

Evaluating Insurance Providers

Insurance companies may offer a variety of discounts to ATV owners, which can be a deciding factor when evaluating different insurers. For instance, installing anti-theft devices, such as a GPS theft-recovery system, or completing ATV safety courses can qualify you for insurance discounts.

Moreover, some premium ATV insurance policies offer additional benefits, including roadside assistance, accessory coverage, and trip interruption protection. These added perks can significantly enhance your insurance coverage, providing you with an extra layer of security while riding your ATV.

Mitigating Risks Without Insurance

Not having insurance when operating an ATV can lead to serious risks and financial liabilities. It’s important to make sure you are adequately covered before riding. Health insurance policies might exclude coverage for activities deemed dangerous or hazardous, which can include recreational ATV use, potentially leading to large out-of-pocket medical expenses.

After an ATV-related incident, the financial burden of repairing or replacing damaged property without insurance assistance can be significant. It may be challenging to cover these expenses without support. Furthermore, operating an ATV without insurance exposes you to personal liability for damages and injuries, with costs potentially running into tens of thousands of dollars, not including potential legal fees.

Additional Coverage Options for ATV Riders

Beyond the standard ATV insurance policy, other coverage options are available. These include medical payments coverage, GAP Coverage, and umbrella insurance, providing broader protection.

ATV riders using their vehicles for work or competitive racing should evaluate their need for a more comprehensive insurance policy to cover potential increased risks. Moreover, ATV riders with significant assets or engaging in higher-risk activities may consider umbrella insurance to protect against potential extensive liability claims.

Medical Payments Coverage

Medical payments coverage is a valuable addition to your ATV insurance policy. Following an ATV accident, it can provide assistance with costs such as ambulance fees, hospital visits, and other medical treatments. This support can help ease the financial burden on individuals..

This coverage applies to the medical bills of the ATV owner, any passengers, and other person’s medical bills, with no need to establish who was at fault in the accident. While health insurance may offer certain coverage for medical bills after an ATV accident, this is neither guaranteed nor uniform across policies, making MedPay a valuable addition.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist Coverage is a crucial component of ATV insurance that protects against losses when an at-fault party doesn’t have sufficient insurance. This coverage pays for medical treatment, lost wages, and other damages following an accident with an uninsured driver.

The protection offered by car insurance is especially beneficial if the other driver involved in the accident lacks the financial means to cover medical expenses or lost wages due to being uninsured or underinsured.

People Also Ask – Do I Need ATV Insurance


ATV insurance requirements vary by state. While not universally mandated, it is often required for riding on public lands, when the ATV is leased or financed, and for participation in certain competitive events. It’s essential to check local regulations to determine if ATV insurance is legally necessary in your area.


Standard ATV insurance typically includes liability coverage, which pays for bodily injury and property damage you cause to others. It also usually covers collision damage to your ATV resulting from an accident and comprehensive coverage for non-collision incidents such as theft, fire, and vandalism.


Homeowner’s insurance policies generally provide limited coverage for ATVs, primarily when operated on the insured property. However, this coverage is not as comprehensive as a dedicated ATV insurance policy and often excludes liability and collision coverage for off-property use.


You can lower ATV insurance costs by bundling policies, insuring multiple vehicles, installing anti-theft devices, maintaining a clean driving record, having a good credit score, being a member of certain associations, and completing an ATV safety course. Comparing quotes from different insurers can also help you find the best rates.

The Final Verdict – Do I Need ATV Insurance

The question “Do I need ATV insurance?” depends on various factors, including state laws, the ATV’s use, and your financial situation. While not always legally required, ATV insurance provides crucial financial protection against accidents, theft, and other unexpected incidents.

Investing in ATV insurance ensures peace of mind and safeguards your financial well-being. For tailored advice and comprehensive coverage options, contact an ALLCHOICE Insurance Advisor to discuss your specific needs and secure the best protection for your off-road adventures.

How to get ATV Insurance

New ALLCHOICE customers:

Current ALLCHOICE clients:

Check out the Member Center or call us at 1-844-540-0463 to see if product is availbale and included in your policy. 


Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button