The Complete Guide to Your ATV Insurance Policy

All-terrain vehicles provide much fun to a family. Whether you want to follow trails, go hunting or drive for sheer pleasure, the quad bikes make it much simple.

But, all that joy may come to a standstill when the quad bike is stolen, rolls over, or damages your neighbor’s property. Recovering from such an incident may strain financially. But the load could be lighter when you have someone to help you shoulder the financial burden.

Do you have a quad bike that is so dear to you? We all love to protect what we treasure. One way of protecting such assets is by providing an insurance cover. ATV insurance cover is a caring partner to help you recover from structural damage, theft or accident involving your quad bike.

ATV Insurance Policy Guide

How Vital is ATV Insurance Cover?

Every state has its requirements regarding insurance coverage.  And without an insurance policy, your movement beyond your property is highly restricted by the state. Although we strive to exercise carefulness while driving or riding, that doesn’t make us immune to accidents.

The choice on whether you need ATV insurance policy or not depend on your response to the following questions;

  • Where do you ride the quad bike, within or outside your property?

Most homeowner’s policies will only cover for the quad bike when it is physically present within the property. Beyond that boundary, you need the specialized ATV cover. So if you plan to use the all-terrain vehicle outside the home, then you should provide coverage for it.

Moreover choosing to cover your ATV on the homeowner’s policy increases the premium. Furthermore, there could be a limit to the number of claims you can file.

So a separate insurance policy then becomes necessary to cover your quad bike and you at all times.

  • Is there a possibility of you getting involved in an accident?

When driving a motor vehicle, there is always the likelihood of an accident occurring. Being careful only helps to limit the frequency of accidents.

And when accidents occur it brings a heavy financial burden. That includes offsetting hospital bills, repairing damaged or even loss of lives.

Without ATV cover, you will have to bear the financial burden all alone. Having a valid insurance policy takes off your shoulder a significant amount of the responsibility.

  • Is there a possibility of you riding on state trails?

When you plan to ride through state-owned terrains, then beware of the requirements. To ride an ATV on most sate trails, you must have at least a liability insurance policy.

Such a policy covers you from being sued in case you hit someone or his property.

  • Will you at one time transport the ATV from your home to another site?

At times you might require using the quad bike in a distant location. That may involve loading the ATV to the truck using a rack, before transporting it to the required site.

If you plan on doing so, you will need the off-road insurance policy.

  • How will you finance the ATV purchase?

There are two primary ways of purchasing an asset like a four-wheeler. You can either use your savings or apply for an ATV loan.

When you choose to go through the bank or other financial institutions, you have to play to their demands. One of those requirements is providing comprehensive and collision coverage.

So are you prepared to meet the losses and the take on the risks associated with owning an all-terrain vehicle?

Most likely you have realized that ATV insurance is therefore essential. It covers both parties and thus gives you the peace of mind for any unforeseen accidents.

So do you want to know more about the ATV insurance cover?

ATV Insurance Cover

Having been convinced about the need to have an ATV insurance cover, it’s wise to know what it covers before buying one.

ATV insurance and other interrelated insurance policies cover the following liabilities;

1. Body injury liability

Sometimes your off-road vehicle can get involved in an accident that leads to bodily harm or death of another person.The coverage, therefore, shoulders the damages associated with such an accident. The bodily injury liability also covers the litigation fees arising from such an incident.

However, there are claim limits to the liability as stipulated in the ATV insurance policy. To reduce injury and liability claims associated with the off-road wheeler implement the following ideas;

  • When you aren’t using your quad bike keep it locked in a garage so that any unauthorized persons don’t get access to riding it.
  • Every automotive has its operation guideline, and ATVs are no exception. Follow your four-wheeler manual including the maximum load limit

2. Property damage liability

The coverage is comparable to the body damage except that it pays for the cost of ATV damaging someone else property.

For instance, it covers damages like veering off and ramming into a nearby yard.

3. Comprehensive 

Comprehensive insurance covers for all the damages on the quad bike excluding those due to a collision with other automotive.

Examples of such damages covered include vandalism, theft, fire earthquake or lightning.

4. Collision

The insurance pays for the significant losses on the ATV as a result of hitting;

  • Another quad bike
  • A tree trump
  • Rock
  • A packed vehicle

However many ATVs are either handled roughly or ridden in a rough environment. Consequently, the collision coverage doesn’t pay for minor damages like scratches or non-structural damages.

All that the policyholder has to pay is the predetermined deductible and collision coverage offsets the remaining amount.

5. Uninsured or underinsured motorist

At times someone else’s fault might get you into an accident. In such an instance it’s expected that the person at fault should pay for the resulting damages.

What if the guilty party isn’t insured or doesn’t have sufficient insurance cover to meet the cost of the damages?

That’s where the uninsured/underinsured motorist cover becomes useful; it shoulders the financial burdens, the at-fault party ought to have borne.

What is the cost of ATV insurance?

Generally speaking, the cost of the ATV insurance premium is manageable compared to the price of shouldering the risks alone.

However, when calculating the premium that you have to pay for the ATV cover, several factors come into the picture including the following;

  • Your driving history

Your past driving record may help to predict your future behavior and rates of accidents too. If your driving record shows that you have been cautious for the last three years, then you are likely to behave so even in the future.Thus the insurance company will take into account your driving history when computing the premium you’ll have to pay.

Exercising control and driving with safety consciousness will reward you with a manageable insurance premium. On the other hand, if you had multiple accidents, violations or filed several claims in the past, your insurance premium is likely to shoot.

  • Rider’s age

Insurance companies have different guidelines on the premium cost paid by riders owing to their age. Whereas some insurance providers do not issue cover for young riders, some provide an insurance policy to youngsters but at a higher premium.

Similarly, your level of experience also accounts for the cost of the premium you pay.

  • The make and model of the ATV you drive

Like the case for automobiles insurance cost, quad bike’s premium rate also depends on the model or the engine to be insured.The ATVs model and year of manufacture directly dictates its value. Thus ATVs with large engines and high market value attracts high premiums.

On the other hand, the premium you would pay for a used vehicle is much lower than the cost of insuring a brand new one.

  • The mileage traveled by the quad bike

The frequency with which you ride your four-wheeler also influences the price of its insurance. When you ride the all-terrain vehicle often, your chances of encountering an accident is also very high.

For instance, you might own a quad bike which can ride anywhere and serve all purpose. The insurance premium for such an ATV is much different for that occasionally used for example on weekends only.

Are there ways on how you can push down the cost of ATV coverage?

If you are worried on ways on how you can make significant savings on your ATV insurance cover, there are tricks on how to push the premium cost down.

Here are ways on how to make savings on the insurance for the quad bike;

  • Double your safety efforts

The first step towards increasing your safety effort is taking a rider safety course. Besides, you can also watch a rider safety video to acquire more skills on how to remain safe while riding.

Following such a move, most insurance companies will then offer you a discount on the amount of premium you pay on the ATV. Furthermore, the skills acquired from such training will mold you into a safe rider, thus reducing the frequency of accidents. 

In the end, with accidents reduced your expenses towards the quad bike go down also.

  • Shop around and compare policies

Some insurance providers invest heavily in advertisements and thus become more vocal than others. However, it doesn’t automatically follow that they are the best. So, before settling on a company to provide your ATV insurance needs, shop around for different insurers.

Notice the rates, deductibles, and coverage options. Go ahead and get quotes on the same. In most cases asking for a quote from insurance companies is free and doesn’t take long. Specifically, take note of what the policy provides and what costs extra too. After sampling quotes, make up your mind on the best ATV insurance provider.

  • Observe customer loyalty

Currently, many insurance providers are looking out for clients.

Due to the stiff competition in the sector, remaining faithful with one insurance provider may see you enjoy renewal discount. For example, that can come in the form of diminishing deductibles.

  • Identify one company to provide all your insurance needs

Instead of spreading out your insurance requirements to different companies, bundle up your insurance needs to one insurer.

For example, you can have one company to provide you with the home, ATV and motor vehicle insurance. Doing so is likely to give you a discount on the premium you pay.

  • File claims for significant damages only

You buy insurance policy so that you can make claims in case of losses. But do you know that filing too many complaints will see your premium goes up?

The best advice, therefore, is to forget minor damages and file claims on significant cases only.

  • Shop wisely for quad bikes

Sporty models are visually appealing and even lovely to ride. But the cost of insuring such ATVs is usually high.

Assuming other factors to be constant, utility models, therefore, cost less to insure.

  • Strive to have a clean driving record

To the insurance company, your driving record is a good way of gauging your safety consciousness.

Ride your four-wheeler on legal grounds only and reduce the violations on your driving record.

  • Be a member of an association

Most insurance providers will offer you a discount on the premium you pay when you can prove you belong to an association.

Therefore it’s wise to join any reputable motorcycle, automotive association or even a credit union in your locality.


As you have realized, investing in ATV insurance is a wise decision.  Accidents may occur anywhere at any time.Think of all the medical bills you may have to pay in case you hit or run over another person.

Why must you risk bearing the entire burden alone when your ATV cover can help you shoulder the burden?

Moreover, the cost of insuring a quad bike isn’t that hefty. When you shop around and implement the above ideas, you can push down the ATV premium to a manageable level.

Take your time and think over the best insurance cover for your quad bike. Although we don’t wish for misfortunes to occur, the fact is they crop up anyway.  During such instances, you can rest and have the peace of mind that there is someone to take over your financial responsibility.

Jose Wagner

I'm Jose Wagner, a mechanic who loves exploring & writing about new tools and contraptions which make everyone’s lives a whole lot easier. I have been in the manufacturing industry for several years and possess sound mechanical knowledge and diagnostic skills.

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