Insurance for off-road vehicles

By Allstate

Last updated: May 2024

If you own an ATV, golf cart, snowmobile, dune buggy or dirt bike, it's important to know that most homeowners insurance policies give you little to no protection for your off-road vehicle, especially once you leave your property. An off-road vehicle insurance policy, though, may help cover you and your vehicle.

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What does off-road vehicle insurance cover?

An off-road vehicle insurance policy could help prevent you from paying out of pocket after a mishap on the trails. Coverages may include:

  • Collision coverage.
    If you hit a fence, fallen tree or another off-road vehicle, collision coverage may help cover the cost of repairs to your vehicle.
  • Bodily injury liability.
    If you have an accident and you're found liable for someone else's injuries, bodily injury liability coverage may help cover that person's medical bills.
  • Property damage liability.
    If you accidentally cause damage to someone else's property, such as a fence or vehicle, property damage liability coverage may help pay for repairs.
  • Comprehensive coverage.
    If your off-road vehicle is damaged by something other than a collision, comprehensive coverage may help pay for repairs. For instance, if your ATV is damaged by hail or your snowmobile is stolen, comprehensive coverage may help pay to repair or replace it. Read your policy to learn what risks it covers.

Keep in mind that you'll need to pay your deductible before insurance will help pay for repairs to your off-road vehicle after a covered claim. Coverage limits will also apply, so be sure to read your policy to learn how much protection it offers. Your insurance provider can help answer questions.

Depending on where you live or ride, you may be required to carry proof of liability insurance for your off-road vehicle. It's a good idea to check your local laws so you can make sure you comply with any insurance requirements. Of course, even if insurance isn't a legal requirement in your area, you may decide an off-road policy makes sense for you. Then, whether you're hitting the trails or heading out for a day of golf, you'll know you have a safety net in place, just in case.