ATV insurance coverage
What does ATV/UTV insurance cover?
A standard all-terrain vehicle (ATV) insurance policy — or off-road vehicle 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.
Hit the trail with quality protection
Get ATV/off-road vehicle insurance at an affordable price.
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.