How Much Does ATV Insurance Cost?

Insurance rates for ATVs and UTVs vary considerably, depending on state requirements and many other factors. Prices can range from a few hundred dollars per year to the thousands. In areas with greater risks, such as a higher average of ATV thefts and a larger number of claims, rates are typically higher.

An independent insurance agent can help you find the best rate for ATV insurance in your area. They can also get you matched to the right policy for your unique vehicle. Here's an overview of ATV insurance costs.

How Much Does ATV Insurance Cost?

The average cost of ATV insurance is just over $100 per month. However, rates vary by location as well as the insurance company you get coverage through. 

The make and model of your ATV and how often you use it can also impact your premiums. The best way to find the cheapest coverage that still offers the protection you need is by working with an independent insurance agent.

State Coverage Requirements Affect ATV Insurance Rates

State-by-state requirements for ATV insurance vary considerably, so your state's laws will most likely influence the coverage you buy. Some states don't require insurance for ATVs, while others require liability insurance under certain circumstances. 

For example, in New York, it's illegal to operate an ATV outside of your own property unless you have the following minimum liability insurance coverage per accident:

• Death: $50,000/$100,000 ($50k for any one person, and $100k for all partied involved)
• Bodily injury: $25,000/$50,000 ($25k for one person and $50k for all parties involved)
• Property damage: $10,000 per incident

Make sure to review your state's ATV insurance requirements to find out how much coverage you must have. A local independent insurance agent can also help find this information for you.

Additional Factors that Affect the Cost of ATV Insurance

Many other factors can influence the cost of ATV insurance beyond your state's coverage requirements. These can include the following:

• Your driving and claims histories: Drivers with traffic violations and accidents on their records within the past few years are typically considered high-risk and often pay higher rates. If you've filed ATV insurance claims in the past, your rates may also be higher.
• Vehicle type: The classification of your ATV (e.g., utility, sport, or 4x4) can affect its insurance costs. The least expensive ATVs to insure are typically utility vehicles, while 4x4s are often the most expensive.
• Make and model: The make and model of your ATV and whether it's classified as an on-road or off-road vehicle may affect your premiums. An all-terrain vehicle with a more powerful engine often costs more to insure.
• How often you ride: The frequency with which you use your ATV can affect your premiums. If you only take your ATV out for occasional rides, you can typically expect to pay less for coverage than if you ride it an average of 10,000 or more miles annually.
• Rider ages: Some insurance companies have restrictions on the ages of ATV and UTV riders they insure. Certain ATV insurance companies might even increase your premiums if younger riders use the vehicle.
• The type and amount of coverage needed: The cost of your policy will depend heavily on which types of ATV insurance coverage you select, as well as the limits on each. Purchasing more coverage and higher limits often leads to higher premiums.
• Safety and security features installed: You might be able to score lower ATV insurance rates if your vehicle is equipped with various safety features, such as a GPS theft-recovery system or anti-lock brakes. The safer and more secure your ATV is, the lower the cost of coverage can be.

Your independent insurance agent can further explain the exact factors that go into calculating ATV insurance quotes. 

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What Kind of ATV Insurance Discounts Are Available?

You may be eligible for a range of ATV insurance discounts that can reduce your premiums. One of the most common is a multi-policy discount, which applies when you bundle your ATV insurance with another type of coverage through the same carrier, such as home insurance or car insurance. 

Some states also offer ATV rider safety courses that can earn you a discount. You might also qualify for reduced rates if you're affiliated with certain clubs or organizations. 

Keep in mind that the discounts offered on ATV insurance depend on the carrier you choose. An independent insurance agent can help find and apply any ATV insurance discounts you qualify for to your policy. You can also learn more about the numerous available ATV insurance discounts beforehand.

An Independent Insurance Agent Can Help You Find Affordable ATV Insurance

If you're looking for the most affordable ATV insurance in your area, no one's better equipped to help you find it than a local independent insurance agent. These agents have access to coverage options from multiple carriers near you. They can shop and compare quotes and policies and find the overall best blend of coverage and cost. And down the road, your agent can even help file ATV insurance claims for you.