Owning an all-terrain vehicle can be a lot of fun but accidents can happen too. Thankfully, ATV insurance can cover the cost of repairs or replacement of your ATV due to collision, theft and other mishaps.
Here’s a quick guide to some of the most common questions regarding ATV insurance.
What Is Included In An ATV Insurance Policy?
Here are some of the most common things that ATV insurance can cover:
Collision – As the name implies, collision covers the cost of damages due to an accident. This includes accidents with other ATVs, vehicles, trees and other obstacles.
Comprehensive – If your ATV is damaged by fire, flooding, theft or vandalism, comprehensive coverage will pay for the repairs. This is often optional and can be added onto your insurance plan.
Bodily Injury – In case someone is injured by your ATV, bodily injury can take care of the medical and legal costs so you’re not stuck with the bill.
Property Damage – This form of insurance covers the cost of damages to someone else’s property, whether it be another ATV or a fence post.
Uninsured or Underinsured Motorist – If another rider causes the accident but doesn’t have insurance to cover the cost of damages, then your insurance can help cover the costs if you have uninsured motorist coverage. This is also an optional add-on to your ATV insurance plan.
What Kinds of Vehicles Are Considered ATVs?
Although a typical ATV is often known as a four wheeler or quad and functions the same as a motorcycle, other types of off-road vehicles, including dune buggies, snowmobiles, go-karts, trail bikes, golf carts and more, are often grouped together for insurance purposes.
Is ATV Insurance Required?
Some states don’t require ATV insurance but other states do require at least liability insurance. While you may not need ATV insurance to ride on your private land, you may need it to ride on public land, like state parks. If you finance your ATV, insurance may also be required by your lender.
How Much Does ATV Insurance Cost?
The cost of ATV insurance varies but typically ranges from a few hundred to over a thousand dollars annually. Factors that are considered when creating a quote for ATV insurance include the driver’s age, gender and driving history, the type of vehicle and how often you use the ATV. Typically, females with a clean driving record who uses an ATV with a smaller engine just a few times a year will see the lowest rates.
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