Do I have to insure my ATV?
Last updated: January 1
ATV insurance may be a legal requirement, depending on where you ride, according to the Insurance Information Institute (III). For instance, many states require you to have proof of ATV insurance if you ride on state-owned property, according to the III. In Pennsylvania, for example, you're required to carry proof of liability insurance any time you ride your ATV off your own land. And, some states don't allow all-terrain vehicles to be driven on paved roads. Check your local and state laws so you know what's legal where you live.
But, even if you are not required to carry insurance on your ATV, it is still one way you may be able to help protect your all-terrain vehicle and yourself should the unexpected occur.
What does ATV insurance cover?
ATV insurance may protect you and your ATV if you're involved in an accident. Your insurer may offer coverage for your ATV as part of an off-road vehicle insurance policy. Here's a look at some of the coverages that may be available in an insurance policy that helps cover ATVs:
- Liability coverage.
If you cause an accident that results in someone being hurt or that causes damage to another person's property, this coverage may help you pay for the other person's medical bills or the costs to repair damage to their property.
- Collision coverage.
If your ATV is damaged after you hit another vehicle or another object, such as a fence, this coverage may help cover the cost of repairing your ATV.
- Comprehensive coverage.
Suppose your ATV is damaged by something other than a collision — fire or hail, for instance. This coverage may help pay to fix the damage.
Your agent can help you understand the ins and outs of these coverages and their limits. The National Association of Insurance Commissioners (NAIC) says you may want to ask the following questions:
- Are there age restrictions on who may operate my ATV?
- Does my policy cover other people who may operate my ATV?
Does my car insurance or homeowners insurance cover my ATV?
You may not be able to rely on your car or homeowners insurance to protect your ATV.
ATVs aren't covered by a standard auto insurance policy, according to the NAIC. And while some homeowners policies may help protect you when you're driving your ATV, the NAIC says they'll likely offer limited coverage.
Talk to your agent about whether your current policies offer any protection, how much and under what circumstances.
By taking safety precautions and adding the insurance coverage that makes sense for you, you can ride on with confidence, which is a perfect way to enjoy the ride.