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    Get a quote online for your ATV or UTV and ride

    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.

    ATV in the desert

    Ways to save

    ATV insurance discounts

    Check out a few of Progressive’s discounts aimed at lowering your ATV insurance cost.*

    Safety course

    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 insurance

    Pay in full

    Pay your ATV policy in full, up front, and we’ll add another discount.

    Responsible driver

    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.

    Advance quote

    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.

    What does ATV/UTV insurance cover?

    Unique Coverages

    Accessories and custom parts/equipment

    Total loss coverage for new ATVs

    Carried contents


    Is ATV insurance required?

    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.

    Is your four-wheeler covered by your home insurance policy?

    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.

    How much is ATV/UTV insurance?

    Your price depends on many factors, including your vehicle’s make, model and location. Your age and driving history also help determine your rate.

    Does Progressive insure all ATV, UTV, and side-by-side brands?

    We insure nearly all popular makes and models, including but not limited to Polaris, Can-Am (BRP), Honda, Yamaha, and Kawasaki.

    Tips for ATV insurance quotes

    • If you already have motorcycle insurance with us, you can simply add your ATV/UTV to your existing motorcycle policy
    • Know your vehicle’s engine CC (cubic centimeter) size as well as any customizations (does the ATV or UTV have a modified frame, turbo kit, or nitrous oxide kit?) for the most accurate quote
    • Completing a motorcycle safety course could lower your insurance rate
    • Choose from our Basic, Choice, or Plus packages—or customize your ATV insurance quote with only the coverages you want

    Get four-wheeler insurance and stay protected on and off the trail

    Get a quoteOr, call 1-855-347-3939