Best ATV Insurance Companies

Make sure your vehicle is covered

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The Rundown

It's great to have a sense of adventure, but it's important to make sure you're protected. And if you're an ATV owner, that should be your priority.

With the cost of an all-terrain vehicle (ATV) ranging from $5,000 to $15,000 or more, finding the right insurance coverage is an important way to protect your ATV and gear. And, whether you plan to ride your ATV on your own property, public roads, or in a park, the best ATV insurance can protect you from the financial realities of a collision with another driver or vehicle. You should only have to worry about your next adventure on your ATV, and that's what coverage is there for.

To help you get on the trail faster, we compared more than a dozen top insurers. Read on for our assessment of the best choices for ATV coverage.

Our Top Picks

01 of 05

Best Overall: Progressive

Progressive

 Progressive

Why We Chose It: As our top pick, Progressive stands out because its extensive coverage options are bolstered by flexible deductibles, numerous discounts, and responsive customer support.

What We Like
  • Deductibles are flexible and range from about $250 to $1,000

  • Online quote builder is intuitive and easy to use

  • Offers numerous discounts to further customize an ATV policy

What We Don’t Like
  • More expensive than some other top insurers

While Progressive is known as one of the largest car insurance providers in the U.S., it also offers customers access to more specialized ATV coverage. Policies are customizable, but standard coverage options are available for bodily injury and property damage liability, uninsured/underinsured motorist, comprehensive and collision, and medical payments. 

In addition to standard coverage, Progressive ATV insurance automatically includes roughly $3,000 in coverage for accessories and custom parts and equipment; when building a policy, customers can purchase up to about $30,000 in additional coverage. New ATVs also get total loss coverage, so Progressive pays the full retail price if an insured vehicle of a certain age is totaled. Roadside assistance is available for towing, and trip interruption protection will cover up to around $500 in related expenses. 

Policyholders can also benefit from a number of discounts, including approved safety courses, multiple policies, responsible drivers, pay in full savings, and a disappearing deductible. Just use the intuitive online quote builder to find a plan that fits your needs, or contact Progressive by phone to speak with an agent.

02 of 05

Best Budget: Nationwide

Nationwide

 Nationwide

Why We Chose It: Nationwide makes it easy to get the most competitive rates with its numerous discounts and On Your Side Review service.

What We Like
  • Offers more extensive discounts than other top providers

  • On Your Side Review ensures you’re saving as much as possible on coverage

  • Policies can be customized to meet state requirements and personal preferences

What We Don’t Like
  • You’ll have to provide your phone number to get a quote online

Nationwide Mutual Insurance Company is a group of insurance companies that offers ATV insurance among other types of coverage. Customers can work with a local agent to build a policy that fits their unique needs, and Nationwide’s On Your Side Review helps identify the most savings possible. 

Deductibles are available as low as roughly $100 and extensive discounts are available for homeowners, members of certain riding associations, and customers with multiple Nationwide policies. You can also qualify for a discount if you insure multiple vehicles with Nationwide, complete an ATV safety course, or have a professionally-installed theft recovery system. 

Keep in mind, however, that Nationwide doesn’t offer coverage in Alaska or Hawaii, and available coverage may vary based on your state. Request a quote online or contact a local agent to find out if Nationwide is a good fit.

03 of 05

Best Mobile App: GEICO

GEICO

 GEICO

Why We Chose It: If you want an ATV insurer that makes it easy to manage your policy and file claims, choose GEICO for its best-in-class mobile app.

What We Like
  • ATV owners can choose from broad coverage options

  • Mobile app lets policyholders manage policy, view ID cards, and file claims—among other features

  • Easy to get a personalized quote online

What We Don’t Like
  • Deductibles are limited to about $500 and $1,000

Like Progressive, GEICO is one of the largest auto insurers in the country. With that comes extensive policy options for ATVs—including collision, comprehensive, medical payments, uninsured motorist, property damage, and bodily injury.

For those considering a policy with GEICO, the company offers an online quote tool that makes it easy to build a quote for one or more ATVs. GEICO customers can take advantage of multiple discounts, flexible payment plans, and 24/7 customer support.  

Not only do GEICO policyholders get access to broad coverage and customer service, but the impressive and user-friendly mobile app also makes it easy to create policy changes, pay bills, and request roadside assistance. Customers can also use the app to view digital insurance cards, file a claim in case of an accident, and get a photo estimate for vehicle repair costs.

04 of 05

Best for Multiple Vehicles: Safeco

Safeco

Safeco

Why We Chose It: Safeco makes insuring multiple vehicles easy by connecting customers with local agents who can build custom policies and discounts.

What We Like
  • Offers more extensive discounts than other top providers

  • On Your Side Review ensures you’re saving as much as possible on coverage

  • Policies can be customized to meet state requirements and personal preferences

What We Don’t Like
  • You’ll have to provide your phone number to get a quote online

Safeco’s robust standard ATV policies include bodily injury, guest passenger, and property damage liability, as well as gear replacement for up to about $1,000 per person, per incident.

Policyholders can also add coverage for 24-hour roadside assistance as part of an optional Towing & Labor Coverage endorsement. Original equipment manufacturer (OEM) parts coverage is available as part of comprehensive and/or collision coverage. 

Though not as extensive as the discounts offered by some insurers on our list, Safeco does provide savings for customers who have riding experience, store their ATV in a locked garage, and/or own a home. Customers can also take advantage of multi-vehicle discounts, and its network of licensed agents makes it easier to build a policy that’s specifically tailored to multiple ATVs, motorcycles, snowmobiles, golf carts, and other toys.

Continue to 5 of 5 below.
05 of 05

Best for Accessories Coverage: Markel Specialty

Markel Insurance

 Markel Insurance

Why We Chose It: Markel stands out because of its broad accessory-specific policy limits and available savings.

What We Like
  • Accessory coverage available from about $500 to $30,000

  • Policies start at roughly $50 per year

  • Discounts can save policyholders up to around 35% on their premiums 

What We Don’t Like
  • Deductibles start at approximately $500

Markel Specialty offers specialized off-road vehicle insurance that includes a range of deductible and coverage options. ATV owners can build a quote using the online platform, and the website includes a number of resources to demystify the insurance process. Plus, with discounts up to roughly 35% off policy premiums—and policies starting at about $50 per year—ATV owners can save money with Markel.

Numerous policy options are available, including bodily injury and property damage liability, collision, comprehensive, medical payments, funeral expenses, and uninsured/underinsured motorist coverage.

Customers can also customize their policies with between roughly $500 and $30,000 in accessory coverage for equipment that’s not considered standard to the vehicle—like safety guards, custom seats, radios, and helmets.

Final Verdict

Even if your state doesn’t require insurance for your ATV, coverage can provide valuable protection in case of a collision or other damage to your equipment. What’s more, if you plan to ride your ATV on paved roads or off your own land, you’ll likely need coverage to meet state, local, or private requirements.

If you’re looking for an ATV insurance provider with ample coverage options, flexible deductibles, and extensive discounts, consider our top choice—Progressive. While Progressive is more expensive than some other top options, its online quote builder is easy to use and policyholders can take advantage of the insurer’s extensive customer support options. 

Is ATV Insurance Required?

ATV insurance requirements differ based on several factors, including where you live, where you ride, and whether you own or lease the ATV. For example, many states don’t require ATV insurance unless you’re riding on state-owned property, while others require it when you ride off your own private property. Still, others bar the operation of ATVs on paved roads entirely. Lenders may also require you to insure your financed ATV. Review state and local laws and contact a local insurance agent to learn more about requirements in your state.

What Does ATV Insurance Cover?

As with auto insurance, ATV insurance protects you and your ATV if you’re in a collision or if someone else damages your vehicle. In general, ATV owners can choose from liability coverage, which helps pay for damage or injuries to third parties if you cause an accident, and collision coverage, which covers damage sustained to your own vehicle and equipment. 

Comprehensive coverage protects you if your ATV is damaged by something like fire or extreme weather. Policyholders can also customize their ATV insurance to cover medical payments or uninsured/underinsured motorists—or to include things like roadside assistance and accessory coverage.

How Much Does ATV Insurance cost?

The cost of ATV insurance varies based on coverage limits, deductibles, and the driver. For example, younger drivers and those with a history of driving incidents will pay more than experienced drivers with clean records. On average, though, ATV insurance ranges in cost from about $100 per year to around $1,600 per year. 

How We Chose the Best ATV Insurance

To choose the best ATV insurance, we evaluated 15 top providers based on coverage availability, deductibles, cost, and customer resources. To ensure customers have adequate support, we also looked at each insurer’s online quote building tools, mobile apps, and claims reporting tools.

Article Sources
TripSavvy uses only high-quality, trusted sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial policy to learn more about how we keep our content accurate, reliable and trustworthy.
  1. ATV Helper. "Is ATV Insurance Worth the Cost? Complete Breakdown."

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