Texas 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.


ATVs (all terrain vehicles) are popular for hunting, recreation, and work throughout the Lone Star State. Similar but typically larger and more expensive vehicles called UTVs (utility vehicles) have replaced workhorses for many state ranches, forests, and urban areas. Both have evolved considerably over the past few years, adding options and features that have increased their prices and created a need for separate insurance coverage.

Conforming to state regulations and purchasing Texas ATV insurance should allow you to enjoy your own vehicle securely whether you use it for business or pleasure. You can purchase coverage for your ATV from an independent member agent in the Trusted Choice® network. These local professionals can answer your questions and help you compare Texas ATV insurance quotes from different top-rated insurers. Find a local member agent today to learn how you can save money and get your ATV or UTV fully protected.

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Texas ATV Insurance Costs and Facts

  • During the period between 1982 and 2011, there were 612 ATV fatalities in Texas
  • Children under 16 years old accounted for 144 of those ATV fatalities
  • Estimated cost of coverage for personal use: $100 to $400 a year

The cost to insure your own vehicle may vary considerably based on the type of ATV you purchased, coverage options you selected, who operates the vehicle, and how many prior claims you have made. As with any motor vehicle, you may receive lower ATV coverage rates by selecting a safe, lower-horsepower model and riding carefully to avoid claims.

If you are planning to purchase a vehicle, it makes sense to check with a Trusted Choice member agent to compare policy quotes on various models before making any decisions. Rates for a low-risk owner to purchase a basic plan may be as low as $100 a year. Other ATV owners may pay a few hundred dollars a year if they have greater risks or want more comprehensive coverage.

Common Types of ATVs

  • UTV: Utility vehicles are used for recreation or work in a variety of ways. Some examples of groups who use UTVs include Harris County construction crews and rural ranchers or farmers.
  • Three-wheelers and four-wheelers: There is some discussion that four-wheelers are considered more stable and less risky than three-wheelers.
  • Side-by-side vehicles that hold multiple passengers: You should only allow multiple people on your ATV if it has been designed for that use.

The state’s Off-Highway Vehicle Program (OHV) helps provide safe places for recreational riders to go and promotes responsible ATV riding. OHV decals are required for anybody operating an ATV or UTV on any state public land. The state Department of Parks and Wildlife promotes and regulates the use of recreational ATV riding on public trails and those that receive grants from the Texas Parks and Wildlife Department.

Even though Texas regulates the safe use of various types of all-terrain vehicles, you are still at risk when you ride one. The state started collecting ATV related death statistics in 1982. This has provided insurance companies with the data needed to accurately assess risk and assign rates.

What Does Texas ATV Insurance Cover?

As a Texas resident, you have a variety of ATV policy options to consider. More coverage offers greater security, but will raise the price of your policy. The best policy for you will depend on the way you use your vehicle and your personal preferences. Many owners are concerned about liability, injuries, and property damage. You can speak with your local Trusted Choice member agent about the cost and benefits of various types of ATV coverage.

  • ATV collision insurance: This covers your vehicle if it is damaged in a collision.
  • ATV comprehensive insurance: This insurance covers other than collision damages, for example, it will typically cover hail damage or other storm damage.
  • ATV bodily injury and property damage liability coverage: This insurance protects you in case another party makes a damage or injury claim.
  • Uninsured/underinsured motorist coverage: Provides protection if your vehicle is damaged by an uninsured or hit-and-run driver.
  • Medical payments: Covers medical bills for injuries.

Urban dwellers may store a recreational ATV for occasional weekend use and tow it into the country. Residents of more rural areas are more likely to operate their vehicles from their own properties. Inform your agent about your ATV usage habits because you may need additional coverage for your ATV and trailer when towing it on public roadways.

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Ready to Save On Insurance?

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

Where Can You Compare Texas ATV Insurance Quotes?

Before you decide to purchase a policy, you should learn about different coverage options and compare multiple rate quotes. An independent agent in the Trusted Choice network will offer you an explanation of various policies and coverage options. These network agents will also supply free rate quotes from a variety of insurers. Find a local Trusted Choice member agent to learn how to get the best available Texas ATV insurance today.

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