ATV insurance

Summary ATV insurance

Get the ATV & UTV insurance protection you need from Allstate®—including liability, collision, and comprehensive coverage for your vehicle and accessories. Save with money-saving discounts, manage your policy online, and count on trusted claims service whenever you need it. From weekend trails to work sites, Allstate helps riders find the right all-terrain vehicle insurance with confidence.

Get an ATV 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/UTV 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.

Understanding ATV insurance

Coverages & policies
Learn how Allstate helps protect ATV owners
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Discounts
Find out how to save money on ATV insurance
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Hit the trail with ATV/off-road vehicle coverage

Get a fast ATV/off-road vehicle insurance quote today, then start your next adventure.

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How much does ATV 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 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 insurance FAQs

Is ATV insurance required?

You might need to insure your ATV, depending on your state. Many require ATV insurance if you ride on state-owned property, according to the Insurance Information Institute (III).

Does auto or homeowners insurance cover my ATV or four-wheeler?

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.

Does Allstate insure all ATV, UTV and side-by-side brands?

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.

Do I need ATV insurance during the off-season?

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.