ATV/off-road vehicle insurance quote
For the travelers at heart, an all-terrain vehicle (ATV) — or off-road vehicle — is a great way to explore off the beaten path. Get an Allstate ATV insurance quote today and hit the trail knowing you’re protected.
What does ATV/off-road vehicle insurance cover?
Allstate's ATV insurance helps protect you and your off-road vehicle, as well as any injuries another rider suffers, if you get in an accident. Each coverage has different limits that you can increase for extra protection.
Additionally, ATV insurance helps cover costs caused by specific types of hazards, including:
- Collision
- Fire
- Theft
- Vandalism
- Hail
- Falling objects
And ATVs aren’t the only off-road vehicle Allstate covers. These other types include utility vehicles (UTVs), golf carts, dune buggies, trail bikes, go-karts, Segways and more.
What you need to know about ATV/off-road vehicle insurance
How much does ATV/off-road insurance cost?
There are a number of factors that determine the cost of your ATV insurance, including the types of coverage you purchase, the limits you choose and the amount of your deductible.
How to compare ATV/UTV insurance quotes
When you compare ATV/UTV insurance quotes from multiple companies, remember to choose the same coverages, limits and deductibles for each quote to ensure you get an accurate comparison.
Choose your coverage
Review the policy's coverage types and consider any optional coverage you want to add.
Consider your limits
Think about your personal finances when choosing a limit, which is the maximum amount your insurer will pay for a covered claim.Select your deductibles
A deductible is the amount you pay for a covered claim, with your insurer covering the rest. Be sure to choose the same deductible on each coverage when you compare ATV/UTV insurance quotes.
ATV/off-road vehicle insurance FAQs
You may need to insure your ATV depending on the state you live in. Many states require ATV insurance if you ride on state-owned property, according to the Insurance Information Institute.
ATV liability insurance helps cover you for accidents you're responsible for. It includes two types of protection:
- Bodily injury covers another person's medical bills if you cause their injury.
- Property damage covers any damage you cause to someone else's property, such as their vehicle, building or fence.
A personal auto policy typically doesn't cover ATVs. Depending on your carrier, homeowners insurance may provide some liability protection for repairs or injuries you're responsible for, but it's often very little.
Much like auto insurance, ATV insurance typically doesn’t cover maintenance. Things like oil changes, engine maintenance and mechanical failure are considered to be the owner’s responsibility.
Allstate insures most ATV brands, including Polaris, Yamaha, Can-Am, Kawasaki and more. Get a quick, free quote today to find out if your ATV brand is covered.
You may be able to remove liability and collision coverage during the off-season if your ATV is in storage and not driven. Just be sure to remember to reinstate your liability and collision coverage when you take your ATV out of storage. When it comes to your comprehensive coverage, however, you may want to hold onto it year-round. It can help cover theft, vandalism and other non-collision damages while your ATV is in storage.
Raising your deductible is one way to save money. You may also qualify for a discount if you bundle your auto and ATV policies with Allstate, own a home or take a rider safety course. Learn more about ATV insurance discounts.
No, Allstate does not have a minimum engine size for ATV insurance.
Allstate’s ATV insurance offers an optional medical payments coverage that covers you and any passengers for injuries that occur when the off-road vehicle is not on any public roads.