ATV Insurance

Name: ATV Insurance
Brand: Allstate

What does ATV insurance cover?

All-terrain vehicle (ATV) insurance from Allstate helps protect you and your off-road vehicle if you get in an accident. Each coverage has different limits that you can increase for extra protection.

ATV insurance can help cover costs caused by specific types of hazards. These include:

Collisions

Fires

Theft

Vandalism

Hail

Falling objects

In addition to ATVs, Allstate also insures other types of off-road vehicles such as utility vehicles (UTVs), golf carts, dune buggies, trail bikes, go-karts, Segways and more.

What you need to know about ATV insurance

Coverages & Policies

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Discounts

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How much does ATV insurance cost?

Cost may vary depending on factors such as the types of coverage you purchase, the limits you choose and the amount of your deductible.

How to compare ATV/UTV insurance quotes

It's important to compare ATV/UTV insurance quotes from multiple companies. Choose the same coverages, limits and deductibles for each to get an accurate comparison.

Choose your coverage

Look at the coverage types in the policy and consider optional coverage worth adding.

Consider your limits

Think about your personal finances when choosing the maximum amount your insurer will pay for a covered claim.

Choose your deductibles

A deductible is what you pay before your insurer covers the rest of a claim. Select the same deductible on each coverage when you compare ATV/UTV insurance quotes.

ATV insurance FAQs

Do I have to insure my ATV?

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.

What is ATV liability insurance?

ATV liability protection helps cover if you for accidents you're responsible for. It includes two types of protection:

Bodily injury covers for another person's medical bills if you cause their injury.
Property damage helps when you damage someone else's property, such as their vehicle, building or fence.

Does homeowners or auto insurance cover my ATV?

A personal auto policy typically doesn't cover ATVs. Depending on your carrier, homeowners insurance may provide some liability for repairs or injuries you're responsible for, but it's often very little.

Does ATV insurance cover blown engines?

Much like auto insurance, maintenance typically isn't covered by ATV insurance. Items like oil changes, engine maintenance and mechanical failure are considered the responsibility of the owner.

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

Allstate insures most ATV brands, such as 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. You just need to remember to reinstate your liability and collision coverage when you take your ATV out of storage. You may want to hold onto your comprehensive coverage year-round though. It can help cover theft, vandalism and other non-collision damages while your ATV is in storage.

How can I save money on ATV insurance?

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.

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Insurance, coverage, and discounts are subject to terms, conditions, and availability, which may vary by state. Discounts and total savings will vary. Allstate Fire and Casualty Ins. Co., Allstate Property and Casualty Ins. Co. & affiliates: 2775 Sanders Rd Northbrook IL 60062 © 2021 Allstate Insurance Co.

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