ATV/UTV Insurance: Get a Free Quote Online (2024)

FAQs

Why is ATV insurance so high? ›

ATV Type and Model: High-performance or luxury ATVs, such as the Polaris line, typically incur higher insurance rates due to increased risk and replacement costs. Owner's Age and Record: Younger riders often face higher premiums, while a clean driving record can significantly lower rates.

Does Motorcycle Insurance cover ATVs or UTVs? Most insurance companies cover ATVs and UTVs or side-by-sides under motorcycle policies, even though they are primarily used off-road.

Vehicles require their own separate insurance policies. However, because your California home insurance typically protects you if someone is injured on your property and sues, you will most likely be protected if someone gets hurt while using your all-terrain veicle on your property.

You Cause an ATV Collision

It causes thousands of dollars in damages, exceeding your ATV policy's liability limits. In that case, your umbrella insurance can help cover the difference up to its limit.

Depending on your budget and needs, you can expect to spend anywhere from $5,000 to $30,000 for a new machine. For the majority of new side-by-sides, the average cost is around $15,000. Why do UTV costs vary so much?

Average Price For A Side-By-Side

The average monthly payment for a side-by-side is $349, with the loan amount ranging from $10,000 to $15,000. The interest rate on these loans is typically between 4% and 7%. As such, the monthly payments will be lower if you choose a loan with a lower interest rate.

Yes, ATV/UTV insurance can cover water damage. We offer comprehensive and submersion coverage options to help protect your four-wheeler or side-by-side from varying types of water-related mishaps.

A utility task vehicle (UTV) is a larger type of ATV designed to haul heavier loads and perhaps allow additional passengers. ATVs are primarily used for recreation, whereas UTVs are often used for professional tasks such as farming or landscaping.

What is the best motorcycle insurance company? ›

If your ATV is damaged after hitting an object or another vehicle, collision coverage may help you cover the repair costs of your ATV. Events caused by weather or unforeseen events, like a fire for example, can cause unexpected damages to your ATV.

ATV & UTV insurance coverages

Assists in payments for damages to another person's vehicle or property, if you cause an accident. Collision pays for damage to your ATV if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over. It also includes up to $2,000 for safety apparel.

Comprehensive physical damage coverage – pays for covered losses resulting from incidents other than collision - such as theft, fire or vandalism.

Five common causes of ATV accidents include rider inexperience, reckless driving, drunk driving, riding on paved roads, and carrying passengers. Riding an all-terrain vehicle (ATV) offers a sense of adventure, yet it comes with its share of risks.

Late fall is the ideal time to purchase an ATV/UTV since it signifies the end of the riding season for many riders in northern states. Dealerships may be offering promotions and incentives at that time with less people shopping for ATVs.

It must be a road legal model too. If your quad bike model hasn't been approved for road use but has otherwise been modified to meet road safety standards, you can apply online for type approval. If you want to ride your quad bike off-road only, then you don't need to meet any legal requirements.

While it can seem arbitrary, there are actual reasons you can see your price go up and down. Car insurance rates can change based on factors like claims, driving history, adding new drivers to your policy, and even your credit score.