Do you need ATV insurance?

While most states won't require you to carry ATV insurance, certain public parks and RV trails may mandate some type of coverage before you can ride your ATV or UTV. Additionally, if you finance your vehicle, many lenders will require physical damage coverage. But even if ATV insurance is optional, having a policy is important if you're involved in an ATV accident and liable for someone's injuries or property damage.

3 min to read

What type of insurance do you need for your ATV?

ATV insurance policies will offer liability coverage, which certain parks and trails where you operate your ATV may require. If leasing or financing your ATV/UTV, your lender typically requires comprehensive and collision coverage. Your ATV policy may also include coverage for medical payments if you or your passengers sustain an injury in an accident and uninsured motorist coverage, which protects you if a driver with no insurance injures you or damages your ATV.

Why is ATV insurance important?

Even if you aren't obligated to purchase ATV insurance by a lender, an ATV park owner, or the law, carrying an ATV policy can safeguard you and your vehicle in many ways, enabling you to ride protected and with peace of mind. Your ATV policy may pay to repair or replace your ATV or UTV if it sustains damage in a collision with an object, such as another ATV/UTV, tree, or fence. ATV insurance may cover damage or loss from theft, vandalism, collisions with animals, fire, and weather-related issues.

Perhaps more important than protecting your ATV/UTV investment is having liability coverage if someone sues you due to damage or injuries you caused in an ATV/UTV accident. Expenses you're liable for, including legal fees, will come out of your pocket if you don't have ATV insurance.

Read more about ATV/UTV insurance coverages.

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