Understanding Types of ATV/UTV Insurance Coverage

ATVs and UTVs are popular for recreation and work. But the rough riding these vehicles see means it’s critical to have the right insurance coverage. Know your options before you ride.


  • ATVs, all-terrain vehicles, are off-road vehicles normally for personal, recreational use.
  • UTVs, utility task vehicles, are similar to ATVs but are more often used for transporting cargo rather than strictly people.

Is ATV/UTV Insurance Required?

Many states do not require insurance for ATVs and UTVs because, unlike motorcycles, these off-road vehicles are typically not driven on public roads. However, some private trails and parks do require ATV/UTV insurance. Even if insurance isn’t required where you ride, it’s a good idea to get a recreational vehicle policy to cover the costs of unexpected vehicle damage or bodily injury from riding rough terrain. It’s important to know that ATVs and UTVs are not covered under traditional homeowner’s or auto insurance policies.

What Are My Coverage Options?

ATV/UTV insurance policies can include several types of coverage, including:

Bodily injury liability coverage
Insures you against certain damages if you injure or kill someone while riding your off-road vehicle.

Bodily injury property damage
Insures you against certain damages if you damage else’s property with your off-road vehicle.

Collision coverage
If your ATV/UTV is in a collision with another vehicle or object, collision coverage can pay to repair or replace your vehicle.

Comprehensive coverage
Covers events outside of your control, including theft, vandalism, fire, and weather-related damage.

Medical payments coverage
In most states you can select medical coverage for yourself and your passengers.

Uninsured/Underinsured motorist coverage
Insures you against certain damages in the event of an accident that occurs on a public road or highway where you are struck by someone with no insurance coverage or limits that are lower than yours. The uninsured vehicle must be a vehicle that is designed to be insured and registered for use on a public road or highway (such as a car, truck, or motorcycle).

How Are Coverages & Prices Determined?

Recommended coverage options, and associated pricing, will vary depending on different factors, including how you intend to use your vehicle, the specific kind of vehicle you possess, and your driving record. Make sure your insurance agent evaluates all relevant factors before making recommendations and providing you with a quote.

Am I Eligible For Any Discounts?

Many insurance providers offer ways to receive discounts on your ATV/UTV insurance policy, including:

  • Safety courses
  • Multi-policy
  • Pay-in-full
  • Responsible driver

Common Mistakes

“We frequently find ATV/UTV owners overlooking some critical coverage types, including enhanced injury protection, accessory coverage for installed electronics and aftermarket enhancements, and custom paint jobs. The other big oversight we encounter is no listing all drivers on the policy. Be sure to include everyone who might drive your off-road vehicle.”

                                                                                    Mike Muir, owner of Muir Insurance Group

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