Connecticut ATV Insurance

Find the right atv insurance policy for you.

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to


A number of Connecticut residents own ATVs and delight in taking them out to explore the beautiful scenery this state has to offer. ATV insurance can prove important, whether you prefer using your UTV at your hunting cabin, taking your 3-wheeler out on your private property or meeting up with friends for good times on your quads. There is a variety of ATV insurance policies available in Connecticut, so it is a good idea to compare quotes before making a purchase.

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ATV Accident-Related Injury Statistics

  • In 2010, an estimated 115,000 Americans sought treatment in emergency rooms for ATV-related injuries.
  • This is a significant decrease from 2009, when there were nearly 132,000 ATV-related emergency room visits reported.
  • Approximately 25% of all persons injured in ATV accidents are children.
  • Between 1982 and 2011, 35 CT residents lost their lives in ATV accidents.

While most ATV riders will never be involved in a serious accident, when their vehicles collide with other vehicles or with stationary objects such as large rocks or tree stumps, the sustained injuries can often be significant.

If you are responsible for an accident in which a third party sustains injuries, you may be liable for medical expenses, lost wages and punitive damages. This can be quite expensive, particularly if the injuries require continued medical attention. Fortunately, an ATV insurance policy can protect Connecticut residents from financial losses by covering liability damage.

Laws and Regulations Regarding ATV Use in CT

  • The Connecticut State Department of Environmental Protection regulates all ATV use in this state.
  • Owners must register their ATVs with the state unless those owners use their ATVs only on their own private property.
  • All ATV operators must have a safety training certificate issued by the Environmental Protection Commissioner unless operating their vehicle on their own private land.
  • Children between the ages of 12 and 15 must have a safety-training certificate and be under the direct supervision of an adult to operate an ATV.
  • No one under the age of 12 may operate an ATV on state-owned property.
  • Youth may not operate ATVs between dusk and dawn.
  • Riders may not drive ATVs on paved roads, except for the purpose of crossing directly to the other side.
  • The law does not mandate ATV liability insurance, but some privately owned commercial ATV parks might require it.

Why Should Connecticut Residents Consider ATV Insurance?

Many all-terrain vehicle owners forgo purchasing ATV insurance because the law does not require it. But what happens if someone damages or steals your ATV or if you are involved in an ATV collision that results in injuries to you or another person?

In some cases, your homeowners insurance may provide you with property or liability coverage, but this coverage is often very limited and is sometimes only applicable if the damage, loss or injury occurred on your own property. If you enjoy riding on public trails or on property belonging to others, you can benefit greatly from an ATV insurance policy.

Policies in this state are very inexpensive, mainly because most ATV owners only use their vehicles a few months out of the year. You can expect to find suitable coverage for less than $10 a month, and you may even be able to get your coverage cheaper if you bundle it with other insurance, such as car insurance or homeowners insurance.

What Does ATV Insurance Cover in Connecticut?

Owners of all sorts of all-terrain vehicles, including four-wheelers and side-by-sides, can take advantage of the benefits afforded by an ATV insurance policy. A basic policy provides liability coverage only, but you can also choose to purchase coverage that is more comprehensive.

  • Liability insurance: This provides compensation for injuries or damage suffered by a third party if you are responsible for an accident while operating your ATV. This coverage also reimburses you for any court costs and legal expenses related to the covered incident.
  • Collision insurance: This provides you with coverage for damage to your ATV if it sustains damage in a collision for which you are at fault.
  • Comprehensive insurance: This provides compensation for your ATV due to theft or loss from a non-collision-related incident such as theft, vandalism, falling objects or fire.
  • Trailer insurance: This covers damage to the trailer used to transport your ATV to and from your home or storage facility.
  • Uninsured/Underinsured motorist insurance: If you suffer injuries or property damage in an ATV collision for which someone else is at fault, this insurance covers you for your losses that exceed the amount that the responsible party can cover.
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Safety Tips for Connecticut's ATV Operators

  • Dress appropriately when riding by wearing a DOT-compliant helmet, eye-protection, gloves and boots.
  • Avoid operating an ATV while under the influence of alcohol or drugs.
  • Do not exceed the number of passengers recommended for your ATV.
  • Do not allow children to operate adult-sized ATVs.
  • Take an online or a hands-on ATV safety course, even if you are only riding on your own property and it is not mandatory.

Find the Right ATV Insurance Policy in Connecticut

Independent agents in the Trusted Choice® network can help you find an ATV insurance policy that meets your coverage and budgetary needs. Because these agents have relationships with many different insurance companies, the agents can readily provide you with a selection of competitively priced policies for your review.

Contact a Connecticut-based agent with an office near you to learn more and to start comparing a variety of ATV insurance quotes.

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