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ATV Insurance Coverage

What does ATV insurance cover?

A standard ATV insurance policy typically comes with liability, comprehensive and collision coverage. Depending on where you live, liability coverage may be required. Regardless, carrying ATV insurance is always a good idea. On your next adventure, you'll know that you have a safety net, just in case.

Here are the coverages you may find on an Allstate® ATV insurance policy:

  • Bodily injury liability
    If you're at-fault in an accident and the other person is injured, this helps pay for their medical bills.
  • Property damage liability
    Covers costs related to repairs if you damage someone else's property.
  • Collision coverage
    Helps repair or replace your vehicle if you collide with another vehicle or an object such as a tree or fence. It applies regardless of fault.
  • Comprehensive coverage
    Covers damage to your ATV resulting from non-collision accidents, such as theft, vandalism, hail damage or damage from fallen trees.
  • Optional or added equipment coverage
    Covers aftermarket parts you've added to your ATV, including lighting, windshields and fairings, racks and more.

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Deductibles and limits

When purchasing ATV insurance, it's important to consider your coverage limits and deductibles. A coverage limit is the maximum amount Allstate will reimburse you for a covered loss. You can set your coverage limits when you buy an ATV policy.

A deductible is what you pay out of pocket before coverage kicks in. Higher deductibles typically mean lower premiums, but you'd pay more out of pocket when filing a claim.

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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