The Best ATV / UTV Insurance Of 2023 | Great Days Outdoors

The Best ATV / UTV Insurance Of 2023

As with most things in recent years, the cost of an All-Terrain Vehicle (ATV) or Utility Task Vehicle (UTV) has skyrocketed in the last decade. Along with this, technological advances have these machines bigger and more feature-rich than ever before. Ensuring the right insurance coverage for your ATV or UTV has never been more critical. Whether you’re using yours for adventure riding or working around the farm and in the woods, this article is your comprehensive guide to finding the best ATV/UTV insurance policies on the market this year. We’ll compare key aspects such as coverage options, customer service, claim processing efficiency, and of course, affordability, to help you choose the best fit for your off-roading needs. Let’s get into the nitty-gritty of insuring your rides for those pursuits.

ATV/UTV Insurance points To Consider And FAQs

There is little more frustrating than paying insurance premiums for months on end and then when the unfortunate need for a claim to be made arises, finding out that you are not covered. To make sure we looked at all of the angles, I sat down with Ron Davis and Chris Escher of Geico in Mobile, Alabama to learn more about how to compare ATV and UTV insurance. 

Q: What does ATV / UTV Insurance Cover? What Coverage Options Should We Look For?

A: “You always want comprehensive and collision coverage,” Escher said. “And you want to carry higher than the state minimum as well as make sure you have medical payments coverage, which is not typically included,” Davis added. “Comprehensive should be selected to cover theft.”

utv insurance
Don’t go for the cheapest option when it comes to insurance coverage.


Q: Are Customizations and Accessories Covered?  

A: “Yes, they can be, you can get up to 2,000 additional coverage if needed,” Escher said. I don’t know about you, but when you start looking at the cost of winches, windshields, lift kits, upgraded tires, etc.. The cost of accessories and customizations adds up quickly. Be sure to look for insurance that gives you some coverage here. 

Q: Does Homeowners Insurance Cover ATV Accidents?

A: “It depends, you must read the exclusions.” Davis mentioned. In other words, don’t necessarily count on it. Some events may be covered and others may not. It’s important that you read the exclusions in your homeowner’s policy and obtain coverage with ATV/UTV insurance where you may be exposed. 

Q: Do I Need ATV / UTV Insurance? Do Most states mandate require insurance for off-road vehicles? 

A: Escher had this to say, “No, not unless being driven on public roads. If financed, they will require it. And while most states do not require ATV/UTV insurance, there are mandated specific minimum coverage levels.”


Q: What liability limits do we need? 

A: “We recommend 50,000 per person,100,000 per accident for renters. 100,000 per person, 300,000 per accident for homeowners,” Escher said. 

Q: What deductible options are available and how do you advise someone to pick one?

A: “You are typically going to see $0 to $1000” Davis added. “Anything over $1,000 is unnecessary and doesn’t make much difference in price. $500 is the happy medium most are happy with.”

Q: What are some ways we can save money on UTV/ATV insurance? 

A: “The typical drivers of cost reduction in insurance premiums are as follows:

  • Obtaining a Higher deductible
  • Uninsured and underinsured can be removed and save money but it is not recommended. The customer will have to sign a waiver rejecting it.
  • Bundling with an auto policy can save you money, but they are separate policies
  • Paying your premium upfront payment saves you money because it eliminates installment Fees.
  • And lastly, maintaining a good driving record will help lower your insurance cost.”
utv insurance
Talking to a real, local insurance agent is the best way to go about getting coverage on your ATV or UTV.

Q: With regards to ATV Insurance cost, Is Cheap ATV / UTV Insurance Worth It? How can we research different insurance providers to find a reputable company with a good track record for customer service and claims handling?

A: “Talk to your local agent, see if you like them, see if you gel. That means a lot. Talk to a real person.” Davis said. “Google to see who has the better claim records for payouts and high customer satisfaction ratings,” Escher added. “Understand that cheaper is not always better.”

Q: What coverages are available that are not necessarily standard that you should consider adding to your policy?

A: “Medical payments are not excluded per se, because they are available to you, but you must select them.” Escher clarified. “The accessories coverage we talked about earlier is available but it must be added. Also, make sure you specify where the vehicle will be 6 or months out of the year. We see this a lot with guys who store their equipment at hunting camps. Make sure you specify where the vehicle will be.”

ATV/UTV Insurance Quotes Providers

Insurance is a very competitive market. I’ve always been able to find increased savings for the same coverage by shopping around. Here are some great options for ATV and UTV insurance from companies that specialize in this niche. 

The Hartford AARP ATV/UTV Insurance

The Hartford AARP insurance for ATV and UTV enthusiasts is a true game-changer. With their comprehensive coverage and tailored policies, they offer peace of mind that goes beyond the trail. Whether you’re exploring rugged terrains or cruising through the great outdoors, The Hartford’s insurance plans provide unmatched protection for your vehicles. Backed by their commitment to customer satisfaction and years of industry expertise, their coverage options are designed to suit the unique needs of AARP members. With The Hartford by your side, you can focus on the thrill of the ride, knowing that your ATV and UTV investments are in safe and capable hands. Get a quote for their ATV and UTV insurance options here:

State Farm ATV/UTV Insurance

State Farm’s insurance coverage for ATVs and UTVs stands out as a testament to their commitment to comprehensive protection. With their renowned reputation for reliability, State Farm offers tailored policies that cater to the adventurous spirit of off-road enthusiasts. Whether you’re tearing through trails or exploring off-the-beaten paths, State Farm’s insurance ensures you’re covered for unexpected twists and turns. With a strong emphasis on personalized service and a wide network of agents, they provide the assurance that your ATV or UTV is safeguarded under the wing of a trusted industry leader. State Farm’s dedication to customer satisfaction and their understanding of the unique needs of ATV and UTV owners make them an ideal choice for riders seeking both protection and peace of mind. Get a quote for their ATV and UTV insurance options here:

Allstate ATV/UTV Insurance

Allstate insurance for ATV and UTV enthusiasts stands out as a beacon of security and trust. With a proven track record in the insurance industry, Allstate brings its hallmark reliability and customer-centric approach to the world of off-road adventure. Offering a range of customizable coverage options, their ATV and UTV insurance ensures that your recreational pursuits are safeguarded against unexpected events. Backed by a network of dedicated agents and a reputation for excellence, Allstate provides the reassurance you need to explore the trails and terrains with confidence, knowing you’re in good hands every step of the way. Get a quote for their ATV and UTV insurance options here:

Geico ATV/UTV Insurance

GEICO Insurance, one of the most recognized names in the industry, is renowned for its commitment to offering affordable insurance rates without compromising on coverage quality. Their user-friendly online platform and mobile app make policy management and claims filing exceptionally convenient for customers. With a 24/7 customer service helpline, policyholders are assured of continuous support whenever they need it. Additionally, GEICO’s clever and memorable advertising campaigns have endeared it to the public, making it a trusted name for millions of Americans. The company’s emphasis on innovation and customer-centric services has solidified its position as a top insurance provider in the U.S. Get a quote for their ATV and UTV insurance options here:

The Bottom Line On ATV/UTV Insurance

In today’s society, going without insurance should give you anxiety. With insurance coverage comes the peace of mind that you and your loved ones will be taken care of should the unfortunate need for a claim arise. There is little more frustrating than paying insurance premiums for months on end and then finding out that you are not covered when an accident happens. Insurance is something that you should examine once, and then forget about, moving on to enjoy the part of your life that you needed the insured item for. Take the time to research if you’re in the market for coverage. 

Full Disclosure: This post may include affiliate links. There’s no extra charge to our readers for using these.

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