Missouri 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.


The off-roading potential in Missouri is endless. Whether you love the challenge of taking a 3-wheeler for a spin through the mud pits at Outlaw Off-Road Park or riding a side-by-side across the Big River Sand Drags, make sure you have the protection of an ATV insurance policy. ATV insurance applies to more than just a standard four-wheeler - this insurance can help protect a UTV, side-by-side, or three-wheeler. But before you buy a policy from the first insurance company to give you quotes, consider all the ways this coverage could protect you and how much it could potentially cost.

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ATV Accident Statistics Highlight the Risks

  • An estimated 115,000 Americans suffered serious injuries in ATV accidents and 590 died.
  • Approximately 28,000 of those injured were under the age of 17.
  • 78 Missouri residents lost their lives in ATV accidents.

Riding the Missouri trails on a four-wheeler or side-by-side can be fun, but it is important to remember that accidents sometimes happen. If you are involved in an accident that leads to serious property damage or bodily injury, do you have the proper coverage to ensure that you do not suffer financially? A comprehensive ATV insurance policy can provide you with all the coverage you need at an affordable rate.

MO State Laws Pertaining to All-Terrain Vehicle Use

  • The state requires titling and registration for all ATVs.
  • ATV owners must renew registration every three years.
  • No one under the age of 16 may register an ATV.
  • No children under the age of 16 may operate an ATV unless they ride on land owned by a parent or legal guardian or they ride with a parent or guardian.
  • All riders, including passengers, under the age of 18 must wear a helmet at all times.
  • Riding may not ride ATVs on roadways, except for agricultural or industrial purposes.
  • Riders may not carry passengers, except in ATVs specifically designed for passengers or in ATVs used for agricultural purposes.
  • ATV owners need not have insurance.

Why Should Missouri Residents Purchase ATV Insurance?

Although some states have laws that require ATV owners to carry insurance, with the exception of two-wheeled motorized vehicles including dirt bikes and motorcycles, Missouri does not. This may lead some residents in the state to question why they should purchase non-mandated coverage.

Lack of ATV insurance coverage can result in financial loss if your ATV is stolen or damaged or if you are involved in an accident, particularly if you are responsible and the accident results in serious injuries to another person. Whether you use your ATV for trail riding, hunting or agricultural purposes, having ATV insurance is an important step toward protecting your finances and your investment. Furthermore, some Missouri ATV parks will require you to show proof of insurance before you use the trails.

Many people assume that their homeowners insurance will provide them with all the coverage they need for their ATV, but homeowners coverage is usually very limited and may only be applicable if the accident, theft or damage occurs while the ATV is on their own property. For complete coverage that you can count on, you need a suitable ATV insurance policy.

What MO Risks Does ATV Insurance Cover?

All ATV insurance policies include, at a minimum, liability coverage. This protects you by covering any bodily injury or property damage costs accrued by a third party if you are at fault for an accident while operating your ATV. This coverage includes lost wages for the injured party as well as your court costs and legal fees for you if legal defense is necessary.

You can choose other coverage options with your policy including the following:

  • Collision coverage: This will cover repairs to or replacement of your ATV due to damage in a collision.
  • Comprehensive coverage: This will cover repairs to or replacement of your ATV due to damage while not in use. Examples of covered events include floods, fires, falling objects, vandalism and theft.
  • Uninsured/underinsured ATV coverage: If the operator of another ATV is at fault for a collision but lacks the necessary funds to cover damage or medical costs, this coverage will provide compensation to make up the difference.
  • Medical payments coverage: If you or your passengers suffer injuries in an ATV collision, this will cover medical costs for you and your passengers, regardless of fault.
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Is Missouri ATV Insurance Expensive?

Most people pay less than $1 per day for their ATV insurance coverage. How much your policy will cost depends on several factors including the following:

  • The type of ATV you are insuring: A 3-wheeler may be more expensive to insure than at UTV, for example, because a 3-wheeler can achieve greater speeds and is less stable.
  • How you use your ATV: Those who use their ATVs for utilitarian purposes have different risks than those who use them for racing.
  • The value of your ATV: If you are including collision and comprehensive coverage with your policy, this will greatly influence your costs.
  • How frequently you use your ATV: If you only take your quad out a few weekends a month, your policy will likely cost less than a policy for someone who uses theirs on an almost-daily basis.
  • The amount of coverage you purchase: If you have a lot in assets, you have a lot to lose. For this reason, you may want to purchase as much liability coverage as you can comfortably afford.
  • Your driving record: If you are frequently in car accidents or you have many moving violations, you are more likely to be involved in an ATV collision, so your insurance rates will be higher.
  • Your deductible: The higher the deductible, the lower the premium. However, you will want to be sure that your chosen deductible is an amount you can easily afford.

The only way to be sure how much an ATV policy will cost you is to request a quote from an insurance company. Be sure to ask your insurance representative whether the insurance company offers any policy discounts. You may qualify to save a significant amount of money.

Do You Live in Missouri? Here's How To Find Insurance Quotes

Most insurance professionals recommend that you obtain a minimum of three quotes before selecting any type of insurance policy. Independent agents in the Trusted Choice® network can make comparison-shopping easy by presenting you with a selection of ATV insurance quotes.

Find an agent in your Missouri neighborhood now to see how working with Trusted Choice can give you an advantage.

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