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Will Car Insurance Cover My ATV or 4 Wheeler? ATV Insurance 101

Do you own an ATV (All-Terrain Vehicle) or 4 Wheeler? If so, you need to know what type of insurance policy to buy. Most people assume that their current car insurance policy and/or their homeowners insurance will pick up the insurance tab for their ATV’s, but this couldn’t be further from the truth. In case you have an ATV and assumed that it would be covered by your current auto insurance policy, it is important for you to realize that your ATV needs its own policy!

Since each state has different laws in regards to ATV insurance (just like they do in regards to car insurance), it is important to know what you will be required to purchase for coverage. If you ride your ATV on private land, you may not need to show proof of your insurance, anytime you are riding on public trails that are enforced by wardens and police officers, you will need to have your insurance card on hand.

How much ATV insurance will I need to buy?

If you plan on riding your ATV in public, you will need to have at least third party liability coverage so that if you injure someone else and/or damage property, you will have financial backing from your insurer. Unfortunately, it is common for people these days to avoid thinking about getting insurance because they assume that people don’t get into accidents with these vehicles.

However, there are plenty of people that get into ATV accidents each year. Statistics collected by the government show that there are over 130,000 ATV accidents each year in the United States. That means there are over 356 every single day – which is pretty crazy considering most people don’t think that accidents with these are very common. These machines are very powerful and although they are generally smaller than a small car, they pack a lot of power and drivers need to take safety measures when operating them.

Is it illegal to drive without a registered ATV?

In general, you are required to register your ATV if you plan on driving on public property and public trails. For the exact legal implications of driving an unregistered ATV, you can contact your state DMV (Department of Motor Vehicles) for more information. Most experts recommended that you register all vehicles that you own – including boats, RV’s, campers, Jet Ski’s, and more. It would be very unwise to drive an unregistered ATV because you can get into legal trouble and if it is stolen, it is going to be tougher to track down because it will not even be on record.

What are some examples of ATV insurance coverage that I may need?

  • Comprehensive coverage – This website’s primary focus is on comprehensive car insurance, but you can still get the same type of coverage for your ATV. This includes insuring theft, vandalism, and damages caused by animals.
  • Collision coverage – If you get into a severe crash or collide with another ATV driver or object, you will have protection through this type of coverage.
  • Liability coverage – It is imperative that you at least have third party liability protection. That way if you injure another person, your insurance will pay for the damages that you have caused.
  • Additional accessories coverage – If you have radios, walkie-talkies, and other objects that your ATV supports, some people like to buy insurance for these. Additionally, if you have had your ATV customized, you may want to buy this extra coverage because it will reimburse you for custom parts that are damaged.
  • Uninsured/Underinsured coverage – If you get into an accident with a driver that is underinsured or uninsured, it helps to have this aspect of coverage on your policy. Why? Because your insurance company will pay for the damages that they weren’t able to pay.

What will affect my ATV insurance rates the most?

If you want to get a low premium on your ATV insurance, it is important to keep your risk low. Insurers for ATV’s work the same way as auto insurance companies – in fact – many of the companies that insure ATV’s also insure cars. So if you want, you could enter your zip code above in the tool at the top of the page to see which companies offer the best rates.

However, most companies will look at your past driving experience, the number of accidents you’ve been involved with, your age, the value of your ATV, as well as the accident rate in the state that you live in. Hopefully you end up with a solid policy for your all-terrain vehicle so that you can enjoy yourself on the trails and legally ride with good insurance!

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