Girl riding through river on ATV.

Why Is ATV Insurance Important?

Updated January 1, 1 . AmFam Team

Finding the right insurance for your ATV is simple. We’ve got the coverage you’ll need and the options to fit every lifestyle — whether you’re riding for fun on weekends, or every day for work. Learn just how easy it is by contacting your American Family Insurance agent today.

Sometimes, getting out in the mud is nothing but good clean fun. You might use your ATV to cruise the trails on weekends, or perhaps you’re putting it to work every day on the farm. The truth is, today’s ATVs are built for more than just recreation, so your coverage should reflect that, too. Finding the right protection gives you the freedom to go full throttle knowing that you’re covered wherever the trail may lead.

ATV Insurance Options

Customize your ride. And your coverage. You’ve done your homework and purchased the ultimate ATV. Here’s a close look at your coverage options so your hard earned dreams are well protected.

ATV Liability Insurance

Life can be full of ups and downs. If the unforeseen happens and you cause an accident while using your ATV, our liability coverage will help pay medical bills for persons injured in the accident, as well as property you damaged in the accident, getting you back on the road sooner. Many states require ATV owners to have liability insurance, so get in the know before you get on your rig.

ATV Collision Insurance

Safeguarding against the unexpected with ATV collision insurance can help protect against most accidental damage. Getting out in the middle of nowhere shouldn’t mean that your finances will be lost in the woods if you have an accident. Our ATV collision insurance also carries a comprehensive coverage option — further insulating your savings from costly repairs. And if Mother Nature should strike a blow to your ATV, we cover a number natural disasters as well under certain policies.

Gear Protection

Keeping that care free attitude on the open trail is easy, knowing that your boots, helmet and other equipment are protected if they get damaged while you’re out on your four-wheeler.

Multiple Policy Benefits

In the event that your ATV unintentionally knocks out your SUV’s tail light and you have our collision policy on both vehicles, we’ll waive one of the deductibles. That means extra savings with our multi policy discount. Additional reductions are available if you have other policies with us — like homeowners insurance and life insurance.

Additional ATV Coverage

The policies outlined below offer a wide range of optional coverage choices that help protect you and your gear. Here, you can build a personalized policy that fits your specific needs.*

Medical expense coverage. Breaking in your new ATV can be a learning curve. And if you should get hurt riding your ATV, we offer Medical Expense Coverage that will help pay medical care to get you back to your old self.

Uninsured motorist coverage. If you or anyone riding your ATV is hurt in an accident that was caused by an uninsured vehicle or a hit-and-run driver, you’re covered.

Underinsured motorist coverage. If someone hits your ATV and they don’t have sufficient coverage to fully pay for the damage to your vehicle, we’re going to help bridge that gap between what they can pay and the actual cost of your bills. This policy will contribute toward the balance of repair costs when another driver is at fault, and isn’t carrying sufficient insurance.

Trailer coverage. You can’t ride if you can’t get to the trails. Add trailer coverage to your ATV policy for even more peace of mind.

Don’t Rely On Other Policies

While separate policies may offer some coverage, they can’t replace the peace of mind that comes with an ATV policy. If you get in a bind, the last thing you need is to learn you’re not fully covered. Off-roading can be unpredictable — we’re there for you, regardless of what the trail throws your way.

You work hard to build your dreams and every day, we work hard to protect them. Reach out to an American Family Insurance agent (Opens in a new tab) today to build a plan that works for you.

*Additional coverage options may vary by state.

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