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We offer a range of coverages for all types of ATVs, including three wheelers, four wheelers and quad bikes.
If you're operating an ATV on state land, or off your property in general, your homeowners insurance likely won't cover it. With an ATV insurance policy, you won't miss out on off-road adventure.
We'll make sure you have the proper coverage regardless of how it's used - transporting feed and water on the farm or adventuring in the wild.
ATV insurance protects you in the event of an accident or other causes of damage. It also covers bodily injury and damage to others' property, if you are at fault in an accident. It can pay for legal expenses, as well as other people's medical costs and lost wages. And remember, most states require liability coverage for your ATV.
ATV insurance helps protect your all-terrain vehicle from financial losses caused by accidents, theft, vandalism, fire, and other covered events. In addition to protecting your ATV, a policy can also provide liability coverage if you're responsible for injuring another person or damaging their property while riding.
Whether you use your ATV for recreation, hunting, farming, or work around your property, specialized insurance can help protect both your investment and your financial future.
ATV insurance is available for many types of all-terrain vehicles, including sport ATVs, utility ATVs, four-wheelers, youth ATVs, and recreational off-road vehicles. Popular brands such as Polaris, Honda, Yamaha, Can-Am, Kawasaki, Suzuki, Arctic Cat, and CFMOTO can often be insured under a specialized ATV insurance policy.
Your insurance agent can help you select coverage based on the type of ATV you own and how you use it.
ATV insurance may include liability coverage, collision coverage, comprehensive coverage, uninsured and underinsured motorist protection, medical payments, towing, trailer coverage, and optional protection for custom accessories and riding gear.
The exact coverages available depend on the insurance company and the policy you choose.
Virginia generally does not require ATV insurance when the vehicle is operated exclusively on private property. However, insurance may be required if the ATV is financed or operated on certain public lands, parks, organized riding areas, or private property where proof of insurance is required.
Even when insurance isn't legally required, it provides valuable financial protection against accidents, theft, and liability claims.
Some homeowners insurance policies provide limited coverage for an ATV while it is stored on your property, but coverage is often restricted and generally does not apply while the ATV is being ridden away from your residence. Liability coverage may also be limited or excluded.
A dedicated ATV insurance policy offers broader protection for both your vehicle and your liability wherever you're legally riding.
Yes. Comprehensive coverage generally protects your ATV if it is stolen or damaged by theft, vandalism, fire, falling objects, or certain weather-related events. Coverage is subject to your policy's deductible and limits.
Keeping your ATV in a locked garage or storage building and using anti-theft devices can help reduce the risk of theft and may qualify you for insurance discounts.
Many insurance companies offer optional coverage for aftermarket wheels, tires, winches, lift kits, bumpers, cargo racks, plows, lighting systems, sound systems, hunting accessories, and other custom equipment. Standard policies may provide only limited coverage for these upgrades.
If you've customized your ATV, be sure to discuss those modifications with your insurance agent to ensure they're properly insured.
Insurance companies consider several factors when determining your premium, including the ATV's make, model, engine size, value, rider experience, age, claims history, storage location, annual usage, coverage limits, and deductible.
Safe riding habits, secure storage, and bundling your ATV insurance with other policies may help lower your insurance costs.
Yes. Many insurance companies offer discounts when you insure your ATV along with your auto, homeowners, motorcycle, boat, RV, UTV, or umbrella insurance policies. Bundling your insurance can simplify policy management while reducing your overall insurance costs.
An independent insurance agency can compare multiple insurance companies to help you maximize available discounts.
You should review your ATV insurance at least once each year and whenever significant changes occur. Purchasing a new ATV, adding expensive accessories, changing where you ride, moving to a new home, or increasing the value of your ATV may all affect your insurance needs.
An annual insurance review helps ensure your ATV remains properly protected while identifying opportunities for additional coverage and available premium savings.
