Four wheeling is fun, no doubt about it. Heading out on a trail and kicking up mud is freedom that’s hard to find.
And when you’re white knuckling the throttle in the great outdoors, insurance should be the last thing on your mind. Luckily for you, it’s the first thing on ours.
Here’s a quick glance.
Is ATV insurance required?
Not all states mandate insurance on your ATV or UTV, but places where you ride it might—like private property areas and state or public parks. Also, if you’re financing your vehicle, lenders will require comprehensive and collision coverage.
Yet despite all the information out there, there are still some misconceptions about ATV/UTV/SxS insurance.
“Many riders believe their homeowners insurance cover their ATV, but it only applies to scenarios on the rider’s property,” says Eric Doubler of Progressive Insurance.
“They may also have the belief their vehicle isn’t worth the cost to insure. ATV/SxS insurance doesn’t only help protect against vehicle repairs or replacement, but also protects you, the owner, against any damage that you may cause to others – whether on your property or not.”
What does ATV/UTV insurance cost?
Your price will depend on many factors, including your vehicle make, model and location. Your age and driving history will also help determine your rate. But there’s more to off-road vehicle insurance then people realize.
“Insurance through Progressive is much more than just replacing a damaged vehicle – it’s the claims experience, the liability coverage and even covering legal fees if you’re sued,” says Doubler.
“I think that many feel that their $5-$10,000 vehicle isn’t worth protecting. But if you ride at a friend’s house or another location, the damage you could do to others or their property with your ATV could cost you much than the price of your vehicle.”
So, is ATV insurance right for you?
Like we said in the beginning, getting out there and getting muddy is one of life’s most liberating feelings. Protecting that feeling, yourself, and others is a small investment worth the peace of mind.