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ATV & off-road vehicle insurance quotes

See how much you could save on ATV insurance!

Call us at 888-582-1256 to start your ATV quote.

Get the right coverage for your off-road vehicle

Getting around on an all-terrain vehicle (ATV), snowmobile or other off-road vehicle combines sport and adventure. These unique vehicles require the right combination of insurance coverage depending on where you drive them. We insure most off-road vehicle types (for off-road use only), so getting the right coverage is just a call away.

What is ATV and off-road vehicle insurance?

ATV and off-road vehicle insurance helps protect you if you cause damage to others' property and/or cause injuries. It can also cover the cost of damage to your vehicle in the event of a covered loss if you have the coverages.Insurance coverage can vary based on
  • Type of vehicle you have
  • Coverages you need
  • How you use your ATV

How does ATV and off-road vehicle insurance work?

ATV and off-road vehicle insurance works like most other vehicle insurance. If you're involved in an at-fault accident, it can help pay for the damages to others' property and/or injuries. You'll need to pick your liability limits and they should be based on your needs.ATV and off-road vehicle insurance also has optional coverages that can help pay for damages to your vehicle. These coverages can include Comprehensive and Collision Coverage.

What does ATV and off-road vehicle insurance cover?

ATV and off-road vehicle insurance can be broken into 2 parts.
  1. Liability Coverage that helps pay for damages and injuries to others. These coverages typically include
    • Property Damage: Pays for damages you cause to other people's property in an accident
    • Bodily Injury: Pays for other people's medical expenses if you cause an accident
    • Medical Payments: Pays for initial medical expenses if you or a passenger are hurt in an accident, regardless of who's at fault

  2. Coverages that help pay for damages or injuries to you and/or your property. These can include
    • Collision Coverage: Pays for damages to your ATV when it collides with another vehicle or object, like a tree or guardrail
    • Comprehensive Coverage: Pays for damages to your ATV caused by things other than collision like weather, theft, fire, etc.
    • Medical Payments: Pays for initial medical expenses if you or a passenger are hurt in an accident, regardless of who's at fault
Additionally, there are typically extra coverages that you can buy that vary by company. These add-ons can help you get the coverage that is right for you.

What types of all-terrain vehicles do companies insure?

We can help you insure all-terrain vehicles with 4 or 6 wheels. Some examples of ATVs and off-road vehicles we typically insure include
  • Utility task vehicles (UTV)
  • Side-by-sides
  • Dirt bikes
  • Snowmobiles
  • Golf carts, and other select off-road vehicles

Please note, these are examples of ATVs and off-road vehicles we insure but these policies aren't limited to ATV, UTV, and RTVs. Give us a call at 888-582-1256 to get details about all the vehicle types we cover.

How to compare ATV and off-road vehicle insurance companies

When comparing ATV and off-road vehicle insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best insurance or the cheapest.Tips for comparing ATV and off-road vehicle insurance quotes
  • Compare coverages and make sure the options meet your needs
  • Choose the same deductibles because they can affect your quote prices
When comparing quotes, you should also think about how easy it is to deal with the company. At Liberty Mutual we make ATV and off-road vehicle insurance easy. Our fast and easy quotes let you customize coverages, so you only pay for what you need.

How much does ATV and off-road vehicle insurance cost?

In general, ATV and off-road vehicle insurance costs less than a normal auto policy. However, the cost for ATV insurance varies depending on things like
  • Type, age, and condition of your ATV or off-road vehicle
  • How you use your vehicle
  • Your driving record/experience and claims history
  • Coverages/limits you pick

See how much you could save when you get an ATV or off-road vehicle insurance quote. Call us at 888-582-1256 to get your ATV insurance quote today!

What do I need to get an ATV or off-road vehicle insurance quote?

Getting an ATV or off-road vehicle insurance quote is easy. All you need is
  • Basic information about yourself
  • Basic information about your vehicle
  • Any additional people such as a roommate or spouse you want on your policy

Get started creating your custom ATV or off-road vehicle insurance quote today!

Call us at 888-582-1256 to start your quote.

ATV and off-road vehicle insurance frequently asked questions

Off-Road Vehicle Insurance may require an underlying Liberty Mutual Auto Insurance policy. Not available in all states. Terms and conditions apply.