Off-roading is all about the unpredictable — be it hidden trails, unparalleled scenery, or hair-raising terrain. Of course, not all surprises are good, such as an ATV accident. Before buying your policy, take a minute to learn the types of ATV insurance available and learn how they can protect you from unexpected expenses.
do I need ATV coverage?
Even if ATV insurance isn't required in your neck of the woods, that's no reason to go without it. As you may have heard, off-roading can be a bit … bumpy (in fact, that's sort of the whole idea). Given the high cost of injury bills or replacing a stolen ride, it's easy to see where some help comes in handy.
insurance options for ATVs: what an ATV policy covers
There are many types of ATV riders. Some ride every day, while others just a few times per year. It's important to choose the right ATV protection for your situation. Basic liability coverage, for example, might be enough protection for the sporadic rider. But for avid ATV-ers, a bare-bones policy may not be sufficient for their higher injury or property damage risks.
With ATV insurance, you'll be able to customize your policy with the following options to fit your riding needs.
Liability coverage protects you if you're found at fault in an accident. When it kicks in, it helps pay for others' medical bills as well as property damage, up to your chosen coverage limits.
Some states require you to carry liability insurance if you're riding anywhere other than your own backyard. Check with your state's department of insurance to see if ATV insurance is required.
Collision and comprehensive coverage
Collision coverage can help you repair or replace your vehicle if you hit an obstacle (like a boulder or tree), hit another ATV, or flip your own ride. Comprehensive coverage, meanwhile, offers financial protection for your ATV against hazards other than collisions — things like fire, theft, and falling tree branches.
Both collision and comprehensive can pay up to the actual cash value of your ride (so long as it's not a Limited Production ATV (ATV3) or was made before 1981) if it's deemed a total loss, minus the deductible you select.
Uninsured/underinsured motorist coverage
If you're hit by an uninsured driver, uninsured motorist protection will help make sure you don't get stuck with injury or property damage costs.
And if riders with insufficient coverage run into you, underinsured coverage can help bridge the gap between what they can pay and what your bills actually cost.
Medical payments coverage
You don't need us to remind you that scaling hills, dunes, and boulders isn't exactly the safest way to spend a Saturday.
Our medical payments coverage can help cover injury costs for you and your passengers within the first 3 years after the accident.
Optional equipment coverage
Whether you use a loading ramp to work with your UTV or performance apparel to keep your trip safe, your off-roading equipment is often just as important as the vehicle itself. With Esurance ATV insurance, you get $3,000 for your optional equipment automatically when you buy comprehensive coverage or comprehensive and collision coverage.
Transport trailer physical damage coverage
If you transport your ATV in a trailer, you'll have the option of adding $10,000 worth of physical damage coverage for your transport trailer. If you have car insurance with transport trailer protection, you won't need additional coverage since your trailer will already be covered by your car insurance policy.
If you have a trailer attached to your ATV, comprehensive and collision coverages will step in to protect these kinds of trailers and other types of accessories. You'll get an automatic $3,000 worth of accessory coverage when you add comprehensive and collision coverages to your ATV policy, and you can buy up to $30,000 of coverage if you want more protection.
managing your ATV insurance coverage
Should I cancel my ATV insurance coverage in the off season?
It's usually best not to, and we'll explain why: maintaining your ATV policy year-round is often less costly than stopping and starting new policies throughout the year.
Furthermore, by sticking with Esurance consistently, you could bank loyalty rewards and discounts, plus have coverage for risks like fire damage or theft that can happen anytime.
If I buy ATV insurance coverage today, when can I start my policy?
You can specify your ATV policy effective date when you get a quote.
If you were previously insured, make sure your prior policy's end date is on or after the new policy's start date to avoid a lapse in coverage.
Can I get ATV protection on rentals?
Yes, your ATV insurance follows you on vacation or if you get a rental 4-wheeler at home while yours is in the shop.
Does my ATV insurance coverage apply when I ride other ATVs (not including rentals)?
If you're riding an ATV you own or can regularly use but that isn't included in your policy, coverage might not apply. Check your policy contract for details.
More about ATV insurance
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