Ohio 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.


Ohio is home to 89 beautiful ATV trails, resorts and parks enjoyed by residents all over the state. ATVs are fast and fun, but they can be dangerous, especially when young, inexperienced riders take to the trails. If your ATV is involved in an accident, you may be financially responsible for the rider's medical bills and other damages, as well as repairs to your ATV. An Ohio ATV insurance policy can protect you from the cost of damage and litigation.

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ATV Injuries Are Common

  • In OH, there were 361 ATV-related deaths in 30 years
  • Ohio hospitals treat over 10,000 ATV accidents each year.
  • Nationwide, hospitals treat over 100,000 ATV injuries each year.

Safety experts claim that the real number of ATV incidents is much higher than the number indicates. No one knows the number of times riders do not report all-terrain vehicle collisions each year. Insurers classify many ATV accidents generically as auto accidents. In addition, hospital reports may not properly report many ATV-related injuries that occur on private property.

ATV professionals say that the best way to train young riders safely is to start with a small bike and slowly work up to a larger 3-wheeler or 4-wheeler. Whether you ride for hunting, farming or recreation, always make sure your ATV riders wear proper safety equipment, including a helmet and goggles. 

When it comes to ATV accidents, safety is a major concern, but so is financial security. Your ATV may have been expensive, the injuries you or your passengers sustain might need medical treatment, and you face the risk of a lawsuit.  Insurance can be a great tool to help you recover financially after an accident.

What Does Ohio ATV Insurance Cover?

ATV insurance can cover any all-terrain vehicles you own, including side-by-sides, UTVs, 3-wheelers and 4-wheelers. It protects you from the expense of property damage to your ATV due to an accident. It also covers a portion of the cost of a lawsuit against you. A typical Ohio ATV policy would include the following coverage:

  • Collision, which pays to repair or replace your ATV after a collision
  • Comprehensive, which covers non-collision damage, such as damage from a garage fire, towing accident, storm, theft or vandalism
  • Liability, which covers bodily injury and property damage to others after an ATV accident. Pays the plaintiff's medical and court costs and your legal defense, up to the policy limits
  • Uninsured or underinsured motorist, which covers you for an accident caused by another ATV rider with insufficient coverage to pay your medical bills and property repairs

An independent agent can speak with you about where and how you ride and help you find out how much coverage is right for you. A local agent can also help you find other coverage you may need to ride safely, such as trailer insurance and an umbrella policy.

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Ready to Save On Insurance?

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

Find Ohio ATV Insurance Before You Ride

So, how do you find Ohio ATV insurance quotes? There are several options. You can do an online search for companies and manually compare rates. You can call around to insurers in your area to get quotes. You can talk to the company that sold you your ATV and get recommendations. You can ask a friend or a neighbor. You can also work with an independent agent, who is well connected and well-versed in Ohio ATV insurance.

Ultimately, a solid and trustworthy resource can help you make a choice that's economically smart and covers your risks. A Trusted Choice agent can give you honest recommendations for your Ohio ATV insurance. The agent can also advocate for you if you ever need to make a claim.

Contact a member agent today for help finding competitive Ohio ATV insurance quotes and to get the insurance you need for your ATV.

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