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Written by Laura Berry
Former Insurance Agent Laura Berry

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Jun 29, 2022

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Do I Need to Insure My ATV?

An ATV operates in much the same way as a car and can cause an equal amount of damage. That's why it's important to have insurance on your off-road vehicle.

Why is ATV insurance important?

If you’re like most ATV riders, you’re going to be taking that baby off-road. Unfortunately, off-road endeavors are susceptible to accidents due to a lack of restrictions and laws on how public lands can be used. There aren’t speed limits or lanes like on a road. This leaves you open to a variety of personal and property liabilities if you wreck and cause injury or damage to someone or something.

An ATV insurance policy can help protect you when home insurance can’t in the event that your ATV is stolen. Most home insurance policies may not even cover your ATV at all. Some states even require you to have at least the minimum amount of liability insurance available for your ATV.

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When is ATV insurance not needed?

There are a few instances when you needn’t worry about having ATV insurance. ATVs used entirely for farm work are often not required to have insurance covering them. The same is true for ATVs that will not be ridden.

Home insurance policies might also cover any incidents that occur on your property, like theft or accidents. In this instance you may not need ATV insurance but it’s important to check your home insurance policy thoroughly before assuming you’re covered.

Can you bundle ATV insurance with auto insurance?

You can save time and money on your ATV insurance by bundling with your auto insurance policy. Bundled insurance policies make the process easier by combining all of your policies under one provider and can give you comprehensive coverage.

A typical auto insurance plan covers you in the event of personal injury or property damage and by bundling your ATV insurance with it you can get the same coverage while riding off-road.

If you’re going to start shopping for ATV insurance, give a licensed agent a call. They can help make sure the ATV insurance coverage you choose will cover all your needs and explain how bundled insurance policies might be the best option for you.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

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