It’s a smart idea to insure your all-terrain vehicle (ATV), but how much does ATV insurance cost? In this recreational ATV riding guide, we’ll give you all the details.
If you’re like most people, you probably think of ATVs as vehicles for off-road fun and recreation. And while that’s certainly true, ATVs can also be great tools for work and utility. But whether you’re using your ATV for fun or work, one thing is always true: You need to have the right insurance coverage in case something goes wrong.
How much does ATV insurance cost? How do you know if you’re getting a good deal? And what should you look for when shopping around for coverage? Read on to find out.
Why Do I Need ATV Insurance?
Answering the question of why do people need ATV insurance is pretty simple. The answer is that if you don’t have insurance and you get into an accident while riding your ATV, you could be held liable for any damages and injuries that occur.
That could mean costly repairs or hospital bills for anyone involved in the accident – including you. And, if the accident is traced back to you, your personal liability insurance may not be enough to cover all the costs.
That’s why it’s important to have ATV insurance in addition to your personal liability coverage. ATV insurance can help protect you financially in case of an accident, so you can focus on recovering from the accident itself.
Depending on where you live, ATV insurance may be something you’re legally required to have. For example, many states will require proof of said coverage if you want to ride on state property.
However, even places that don’t make it mandatory can benefit from the extra protection ensuring your vehicle provides. Not only does it safeguard your AV should anything happen unexpectedly, but it could also save you a lot of trouble (and money) down the line.
How Much Does ATV Insurance Cost?
The average cost of ATV insurance will range from $99 per year to $1,500 per year which depends on your chosen coverage. The cost of insurance will also vary depending on different factors such as the make and model of your vehicle, your age, and your driving history.
Many providers can give you an ATV insurance quote within minutes. Accurately budgeting for your ATV insurance starts with getting a quote.
Factors That Affect ATV Insurance Cost
There are many factors that affect the cost of ATV insurance. Some of the most common ones include;
- Age of the rider- Because younger vehicle owners are seen as a greater risk, they typically get charged more for their ATV insurance.
- Rider’s driving record- When you have had no accidents or violations in the last three to five years, you may be eligible for a lower insurance rate.
- ATV make and model- The size of your off-road vehicle’s engine, its top speed, and how easy it is to find parts for repairs are only a few things that can influence the price you pay for insurance.
- Location- The insurance cost for your quad will be partially based on your location. This is because states have various minimum coverage requirements. Some locations may also experience more theft than others.
- Frequency of use- If you use your ATV frequently, you may be seen as a higher risk by insurance companies and could end up paying more for your coverage. This is because there is a greater chance you will be in an accident if you are using your vehicle often.
- Coverage limits- Your ATV insurance cost can be affected by the coverage limits you choose. For example, if you select a higher coverage limit, your premium may be more expensive than if you choose a lower limit. However, choosing a higher limit could also provide more protection in the event of an accident. It is important to consider your needs and budget when selecting coverage limits.
What Does ATV Insurance Cover?
There are different types of coverage for ATV insurance. The standard type of ATV insurance usually comes with liability coverage, collision coverage, and comprehensive coverage.
- Property damage liability coverage – Covers damages that are caused to someone else’s property as the result of an accident involving your ATV.
- Bodily injury liability coverage- Covers the costs of injuries sustained by someone else in an accident involving your ATV. This type of coverage can help protect you from costly legal expenses if you are found liable for causing someone’s injuries.
- Collision coverage- If you get into an accident with another vehicle or hit a stationary object, this will help pay to repair or replace your car. It doesn’t matter who is at fault.
- Comprehensive coverage- Not only does this insurance coverage pay for damages to your ATV from any accidents, weather events or theft, but it also protects any custom-made parts and equipment on your vehicle.
- Medical payments coverage- Helps with the medical expenses resulting from an accident, even if it wasn’t your fault.
- Uninsured motorist coverage- In the event of an accident with an uninsured driver, or a hit-and-run, this coverage helps protect you and your ATV. Note that each state has its own uninsured motorist laws.
- Underinsured motorist coverage-Protects you in the instance that another driver doesn’t have enough insurance to cover damages from an accident.
ATV Insurance Discount
There are a few different discounts that you can get for ATV Insurance.
- Good driving record- This means that you have not had any accidents or tickets in the past few years.
- Safe driving course certification-Insurance companies give lower rates to ATV drivers who take safety courses because it makes them more prepared for risks. By being proactive and learning about safer alternatives, policyholders are not only viewed as less of a liability but also save money on their insurance premiums.
- Membership in a certain organization- If you belong to a specific organization, like USAA or a motorcycle owners club, many insurers offer discounts.
- Installing an Anti-theft device- Your insurance policy premiums will be lower if your vehicle has an anti-theft device installed because it minimizes the chance that your ATV will get stolen.
- Multiple policies with the same company. This means that you have car insurance, home insurance, and ATV insurance with the same company.
- Full Payment- You might be able to receive a better rate or discount from your insurance company for paying your insurance in full, rather than breaking up the payments into monthly installments.
ATV Trails Maps
Most trail systems will provide you with a trail map when you arrive at your riding location. However, if you are a regular ATV rider and want a great ATV trail map navigation system, we recommend the onX off-road App membership.
Fun ATV Riding Clothes
While protective gear is essential on the trail, it’s ok to look cute and share your wilder riding side with the world. I’m a big fan of ball caps and love this adorable “ATV hair, Don’t Care” hat from Sew Vivid Design on Etsy. Be sure to Check out all this cute ATV apparel.
Download Our FREE ATV Pre-Ride Inspection Checklist Now!
Recommended ATV Riding Resources
- Top ATV Trails Near Me in the Southeast
- Must-Have ATV Accessories
- ATV Riding Clothes– Everything you need to get started
- ATV Trails Near Me Facebook Group
More Related Resources
Are you still looking for the perfect ATV for you and your budget? Head on to our guide on How Much Are ATVs? And while you’re at it, you can also check out our resource guide about the Best ATV for Trail Riding.
For more riding destinations, we have a list of the best Best Places To Ride ATV In The Southeast or this guide to off-roading in Sayulita, Mexico.