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Comprehensive ATV and UTV Insurance

  • Quick, easy quoting
  • Customizable coverage for your unique needs
  • Expert support for all your questions
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ATV Insurance Quoting Made Easy

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Collect Info About Your ATV/UTV

Have your owner's manual nearby. It'll help you answer questions about your vehicle.
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Pro Tip
Coverage needs are based on your ATV's details, such as location and vehicle specifications.
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Take Advantage of Discounts

Have multiple policies with us? That’s great. You may qualify for a reduced insurance premium. Check out our bundling discount and other available insurance discounts.*
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Benefits of Multi-Policy Insurance

Organize your policies with the MyAmFam app and save money with our multi-policy discount.*

Start Your Quote

Customize your experience.
Do It Yourself - Start a Quote

Get Started

Learn more about pricing and coverage options for your ATV/UTV.
Work With An Agent

Work with an Expert

Find the perfect agent for you and get free, no-pressure advice.
Find an Agent

Our Agents Are Here to Help

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1,700 Agents

Experts to help you get — and use — your coverage.
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“A very helpful and caring staff. Very knowledgeable and willing to look at options. No hard pressure sales. Wonderful place to do business with.” - Bruce, Wisconsin

What does ATV insurance cover?

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Comprehensive ATV/UTV Protection
Blazing your own trail can come with the occasional bump in the road. But don’t get sidetracked by a setback. Our comprehensive and collision coverages can help protect you. They cover losses such as theft and accidental damage to your vehicle.
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Liability Protection for ATVs/UTVs and Off-Road Vehicles
Accidents happen, and you could be held responsible. Our liability coverage helps protect you and anyone operating your ATV or UTV. It can help you pay for property damage, first aid, medical and court costs so you can stay focused on your growing dreams.**
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ATV/UTV Gear Protection
Safety should come first when you hit the trails — that’s why we offer protection for your gear. Get up to $1,000 of safety apparel coverage for your helmet, boots and other gear and ride on worry-free.
  • Multiple ATVs in a single line
    Diminishing Deductible
    Earn rewards for being a responsible driver with deductible credits of $100 each year, up to $500.*** It's a great way to help control what you pay for your ATV/UTV insurance coverage.
  • ATV in a muddy area
    Collision Deductible Waiver
    This coverage saves you money if your ATV/UTV and car are insured with our collision coverage. If both are damaged by the same event, we'll waive one of the deductibles.
  • A doctor talking to woman
    Medical Expense Coverage
    If you or your passenger are hurt on your ATV/UTV, this coverage gives you peace of mind. It helps pay for medical care so you and your passenger can get back on the road.
  • A closeup of an ATV tire
    Uninsured Motorist Coverage
    If you or anyone riding your ATV/UTV gets hurt in an accident caused by an uninsured vehicle or a hit-and-run driver, this coverage can help.
  • ATV parked in green area during sunset
    Underinsured Motorist Coverage
    This coverage helps pay your remaining accident-related bills when another driver is at fault and doesn’t carry enough insurance.
View All ATV Coverages

Trusted by over 12 Million Customers & Counting

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90+ Years

Over 90 years in business protecting our customers
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Ranked by Forbes

Named one of America’s Best Insurance Companies by Forbes†

†Forbes 2024 America’s Best Insurance Companies

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12 Million Customers

Reliable, quality coverage for customers across 19 states

Guidance for ATV Owners

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ATV/UTV Insurance Info

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Advice for ATV/UTV Owners

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More ATV/UTV Owner Advice

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Custom ATV Insurance Quote

  • Affordable coverage that fits your budget
  • No-hassle account management with the app
  • Award-winning customer service from your local agent

The information on this webpage represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

*Discount and savings amounts and product eligibility will vary by state, property type, policy form and company underwriting the auto and/or homeowners policy. Discounts may not apply to all coverages on an auto or property policy. Discounts do not apply to a life policy. Some restrictions may apply.

**Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options. 

***Deductible will be credited $50 for 6-month policy terms and $100 for 12-month policy terms. Available at renewal for existing policyholders. Please speak with your agent to learn more about your coverage options.