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ATV insurance is underwritten by Esurance in CA, FL, IL, OH,
PA, TX, and WI only.
ATV insurance basics
Where there's freedom and rugged, unpredictable terrain, there's risk. An ATV insurance policy can protect you and your ATV no matter what the trail throws your way. And it can offer far more coverage than a homeowners insurance plan.
ATV insurance regulations differ from state to state. Some states, like Pennsylvania, require liability insurance, while states like Oregon don't require ATV insurance for every vehicle. So if you're just looking to get your off-roader legal, check with your state's DMV to figure out the coverage you need.
ATV insurance is similar to car insurance: minimum coverage allows you to take your ATV for a spin, but expanding your coverage to include different types of risk can save you money if something goes wrong.
Find out more about the basics of ATV insurance >
You can rely on Esurance for ATV insurance
We work hard to customize a policy that suits your needs — whether it’s from Esurance or through our partners.
You can also score some big discounts, including one for insuring multiple vehicles and another for responsible riding. Even paying your bill in full can earn you a nice discount.
What's covered by an ATV policy
ATV insurance is designed to protect those vehicles with 3, 4, 6, or 8 wheels that are made with off-roading in mind, including side-by-sides and utility vehicles (UTVs).
You can tailor a policy when you get your quote. Similar to a car insurance policy, ATV insurance can include collision, comprehensive, bodily injury, and uninsured/underinsured rider coverage. Your comprehensive and collision deductible can go up to $1,000, and you can add coverage to insure any custom accessories.
One more thing to consider: while your homeowners policy may provide some coverage when you're riding off-property, some states require separate ATV insurance when you're on state-owned land.
Find out more about your ATV coverage options >
What ATV insurance costs
ATVs are built with different functions in mind. How you use your vehicle and what it was built to do are major factors in determining your premium. You'll find plenty of coverage options — and generally lower premiums — for ATVs built for utility and light off-road use like UTVs (sometimes called utility ATVs).
Plans for heavy-duty sport ATVs and some 4x4s tend to come with higher premiums, but typically offer more protection.
Because no 2 plans are the same, the easiest way to find out what an ATV policy will cost is to get a quick quote (hint, hint). It takes just a few minutes.
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*ATV insurance policies underwritten by Esurance are available only in certain states. Coverage and discount availability varies by state and/or individual risk situation. ATV insurance quotes, in states where Esurance ATV insurance is not available, are provided by Answer Financial, Inc. ATV insurance quotes are not available in D.C. Esurance does not underwrite, provide customer service, or pay claims for any ATV policies sold by Answer Financial.