North Carolina 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 woods, trails, and hills of North Carolina offer plenty of adventures from the back of your all-terrain vehicle. You can find four-wheelers, UTVs, side-by-sides, and three-wheelers parked in rural and urban garages across the state. Many families use their ATVs for recreation, while others use utility vehicles for farming, ranching, hunting, and trapping. No matter what kind of ATV you drive or how you use it, you can protect yourself from the financial burden of an accident, loss, or lawsuit with the right North Carolina ATV insurance.

An independent agent in the Trusted Choice® network can help you find ATV coverage for your unique ATV use. These agents work with a variety of insurance companies and can offer you honest advice about the amount and type of coverage you need. Contact a local member agent today to compare North Carolina ATV insurance quotes chosen just for you.

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The Best ATV Protection Is Caution

  • North Carolina passed new ATV laws in 2005, limiting the minimum operator age to eight years old, and placing engine capacity restrictions on children younger than sixteen.
  • Between 1982 and 2007, 331 North Carolina residents died in ATV accidents.
  • 105 of those who died between 1982 and 2007 were under the age of sixteen.
  • Between 2007 and 2010, 91 more NC residents died in ATV accidents.

ATV retailers in the Old North State report that parents continue to purchase powerful ATVs for their young children, in spite of new laws prohibiting them. The best way to protect your ATV riders is to make sure they ride age-appropriate vehicles under adult supervision, and that all riders wear the required helmets and safety goggles.

Even when you follow all the safety protocols meticulously, accidents can happen. You can protect your finances from the cost of an ATV accident with the right ATV insurance policy. A local independent agent can help you find the one that’s right for you.

What Does North Carolina ATV Insurance Cover?

Like car insurance, ATV insurance is designed to protect you from the financial burden of injuries, property damage and lawsuits related to your all-terrain vehicle use. Your ATV policy can include the following coverage:

  • Liability: If your ATV is involved in an accident that injures a rider, bystander, or another ATV operator, the injured party may file a bodily injury claim against you. Without ATV insurance, you can be at risk for many thousands of dollars in medical expenses, court-ordered damages, and legal fees. Bodily injury liability and property damage liability coverage pays a specified amount of your settlement and legal defense to protect your savings, home and other assets from lawsuits.
  • Collision: This coverage helps you pay the cost of repairing or replacing your ATV after a collision.
  • Comprehensive: If your ATV is damaged in a garage fire, tornado, or hurricane, comprehensive coverage pays to replace or repair it. This coverage also kicks in if someone steals or vandalizes your utility vehicle.
  • Uninsured or underinsured motorist: If you suffer an injury or property damage due to another rider's negligent ATV use, you may file a claim against the person at fault to cover your medical expenses and repairs. If the person at fault does not have enough insurance to cover your costs, uninsured motorist coverage kicks in to pay your expenses, up to the limits of your policy.

If you are unsure how much and what types of ATV insurance make sense for you, an independent agent can provide the answers you need.

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Ready to Save On Insurance?

Our independent agents shop around to find you the best coverage.

How Much ATV Liability Coverage Do I Need?

Every ATV owner is different, so you should consider your lifestyle and all-terrain vehicle usage carefully when purchasing insurance. The greatest financial risk is a lawsuit related to an ATV accident, so consider the following questions when choosing your liability limits:

  • Who will operate the ATV? Are you the only rider, or will others use it as well? Will any young, inexperienced riders be allowed to ride? Younger riders have increased risk over older riders, particularly if the vehicle is not appropriately sized.
  • Where will you ride your ATV? Do you ride on a flat, wide-open space, or on narrow wooded paths with blind curves? If the risk of collision is high, your liability limits should reflect that.
  • How will you use your ATV? If you only use it for work around your hobby farm, your risks will be different than those who go four-wheeling or hunting in the backwoods on weekends.
  • What assets must you protect? Unfortunately, people who are well-off are more likely to be targets for litigation. If you own a nice home and live a comfortable lifestyle, you have much more to lose in a lawsuit. With the right level of ATV liability coverage, you can ride with peace of mind.

Where Can I Find North Carolina ATV Insurance?

Many insurance companies offer ATV insurance. To quickly compare rates from several providers and get customized quotes, talk with a local Trusted Choice member agent. Independent agents are not bound to a single company, and are free to talk openly with you about discounts and coverage options from several providers.

Contact a member agent today to start comparing North Carolina ATV insurance quotes tailored to your all-terrain vehicle adventures.

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