Whether you’re exploring rugged trails or using your ATV for work, having the right all-terrain vehicle (ATV) insurance is essential. Accidents, theft, and unexpected events can result in costly repairs or legal issues. Here are the most common types of ATV insurance coverage to consider before hitting the trail.

1. Liability Insurance

Liability coverage is often required if you plan to ride on public land, state parks, or private property with permission. This coverage protects you if you’re responsible for injuring someone or damaging their property.

• Bodily Injury Liability: Covers medical bills, legal fees, and lost wages for the injured party.

• Property Damage Liability: Pays for repairs or replacement of another person’s property or vehicle.

💡 Tip: Even if it’s not legally required in your state, liability insurance is strongly recommended.

2. Collision Insurance

Collision coverage pays for repair or replacement of your ATV if it’s damaged in an accident—regardless of who’s at fault.

• Covers collisions with other vehicles, trees, fences, rocks, and more.

• Reimburses up to the actual cash value (ACV) of your ATV at the time of the loss.

3. Comprehensive Insurance

Comprehensive insurance protects against non-collision-related losses, such as:

• Theft or attempted theft

• Vandalism or malicious mischief

• Fire, floods, or falling objects

• Storm or wildlife damage

This coverage is especially useful if you store your ATV outdoors or in a high-risk area.

4. Uninsured/Underinsured Motorist Coverage

Not all riders carry insurance. If you’re hit by an uninsured or underinsured operator, this coverage steps in to protect you.

• Covers medical expenses, lost wages, and property damage

• Essential for riders who frequent public trails or ride in groups

5. Medical Payments Coverage

Even with safety gear, ATV riding can lead to injuries. Medical payments coverage helps pay for:

• Hospital bills

• Ambulance fees

• Physical therapy

• Medical care for passengers

This coverage applies regardless of who is at fault in the accident.

Final Thoughts

ATV insurance isn’t just for compliance—it’s about protecting yourself, your passengers, and your investment. Whether you ride for fun, farming, or utility work, make sure your policy includes the right mix of:

• Liability coverage

• Physical damage protection (collision & comprehensive)

• Uninsured motorist support

• Medical payments

Ready to customize your ATV insurance policy? Let a licensed insurance professional help you choose the best coverage for your riding style and state laws.