Protect your four-wheeler with personalized coverage
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Whether you’re a full-time rancher or part-time adventure seeker, make sure you and your all-terrain vehicle (ATV), utility vehicle (UTV), or side-by-side are protected. With Progressive ATV and UTV insurance, you can quote and customize your policy online to cover different types of risks.
Ways to save
Check out a few of Progressive’s discounts aimed at lowering your ATV insurance cost.*
If you’ve completed an approved ATV, motorcycle or snowmobile safety course within the past three years, you’ll receive a discount on your ATV policy.
Already have another policy with Progressive, such as auto, home, renters, RV, or boat? We'll add a discount for bundling to your ATV policy.
See more on bundling insurancePay your ATV policy in full, up front, and we’ll add another discount.
Safe drivers deserve to be rewarded, and you’ll get a discount if you’ve had no accidents or motor vehicle violations in the last three years.
Get an ATV insurance quote at least one day prior to starting your policy and earn a discount on your policy just for shopping in advance.
ATV/UTV insurance can cover the injuries or damages you’re liable for and repairs to your vehicle. However, Progressive is one of the best ATV insurance companies, offering more than just basic liability protection and comprehensive/collision coverage—so you can ride with maximum peace of mind.
Unique Coverages
With Progressive, ATV insurance coverage automatically includes $3,000 in coverage for riding gear and any upgrades you’ve made to your vehicle. Need more than $3,000? You can purchase up to $30,000 in additional coverage.
Example: You added a custom seat to your four-wheeler and it’s damaged in a covered accident. Progressive will pay you the value of the seat.
If your ATV or UTV is no more than one model year old on a new policy or two model years old on a renewal policy with full physical damage coverage, we pay you the full MSRP if your vehicle is totaled. A deductible applies.
Example: You paid $10,000 for a new ATV a few years ago, but now it’s only worth $5,000. If it’s totaled in a covered accident and the latest model costs more than $10,000, Progressive will pay you that amount.
Your ATV or UTV is often your work horse, as you use it to hunt or plow. Carried contents coverage protects your camping, equipment hunting gear, and any personal property that could fall out of your vehicle.
Example: Your new tent is ruined in a covered ATV accident. We’ll pay to replace it.
Not all states mandate insurance on your ATV or UTV, but places where you ride it might – like RV trails and public parks. Also, if you’re financing your vehicle, some lenders will require comprehensive and collision coverage.
Home insurance typically covers your ATV for scenarios on your property only. That means you’ll need a separate ATV/UTV policy for accidents that occur away from home.
Your price depends on many factors, including your vehicle’s make, model and location. Your age and driving history also help determine your rate.
We insure nearly all popular makes and models, including but not limited to Polaris, Can-Am (BRP), Honda, Yamaha, and Kawasaki.
