Louisville ATV Insurance

Find the right atv insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Although there aren’t any all-terrain vehicle (ATV) trails within Louisville city limits, ATV owners residing within the city still need a place to ride. Some will head right outside of town while others may take trips specifically centered around ATV riding. There’s no doubt about it; riding ATVs is only increasing in popularity. Throughout the nation, ATV ownership has doubled since 2001 and with more riders on the trails comes more risk. It’s not illegal in Kentucky to ride without insurance but for true protection, it’s worth investing in Louisville, KY ATV insurance.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

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ATV Laws

  • All riders 16 and older on public property are required to wear a helmet, unless for business or agricultural purposes
  • All riders under 16 must wear a helmet.
  • No one under 12 can operate an ATV that has an engine sized over 70cc.
  • No one under 16 can operate an ATV that has an engine sized over 90 cc.
  • No one under 16 may operate any ATV without supervision.
  • ATVs are not allowed on public roads.

Louisville ATV Insurance Coverage

Finding the right policy and determining the right coverage amount can be difficult. When you work with an insurance agent, they can educate you on the various coverage options and suggest reliable coverage limits depending on your personal situation. Louisville ATV insurance is similar to an average vehicle insurance policy.

Whether you’ve got a four-wheeler, a UTV, a side by side ATV, or a 3 wheeler, having insurance is essential if you’re in an accident. It can pay for your medical expenses as well as medical expenses for other injured parties, it can pay for repairs resulting from an accident, and it can protect your personal assets if someone sues you in relation to an ATV crash.

  • ATV collision insurance
  • Comprehensive coverage
  • Liability, including bodily injury and property damage
  • Uninsured/underinsured motorist
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Louisville ATV Insurance Cost

The costs of insurance will vary. While Kentucky has no requirements on insurance or even registration, the state ranks third in ATV deaths. Insurance companies use statistics such as this to help set premiums. The trails surrounding Louisville are popular and premiums may be higher than another state due to increased risk. Don’t let price discourage you from purchasing insurance.

Recommended coverage limits are a great way to gauge how much insurance you need but personalized assistance ensures you have a plan that meets your needs.

  • $3,000 accessory coverage
  • Liability limits: $100,000/$300,000/$50,000
  • Uninsured/underinsured motorist: $50,000/$100,000
  • Medical payments: $10,000
  • Collision coverage: $500 deductible
  • Comprehensive coverage: $500 deductible

Other items will certainly be factored into your premium.

  • Driving history
  • ATV make and model
  • Riding frequency
  • Number of riders/passengers
  • Purpose of ATV
  • Insurance policy
  • Discounts

It may be tempting to purchase Louisville ATV insurance online, but it could lead to an inefficient policy. Always contact a licensed insurance agent to confirm that the policy you are considering affords you enough coverage.

Finding affordable Louisville ATV insurance is possible when you work with a Trusted Choice® member agent. Although your premium will depend on several factors like your driving history, the make and model of ATV you ride, as well as how many riders enjoy the vehicle, your member agent can help you find a policy that fits within your budget. Don’t let price dictate the amount of insurance you have. Simply contact a Trusted Choice member agent to get the policy you need.

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