Fort Worth 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.


Fort Worth has grown into the sixteenth largest city in the U.S. With rural areas nearby and a strong agricultural industry, it isn’t surprising that all-terrain vehicle use in and around Fort Worth is quite popular with both commercial and recreational users. If you own an off-road vehicle or are considering purchasing one, take some time to research Fort Worth, TX ATV insurance.

One way to begin is to contact a local independent agent in the Trusted Choice® network. Since these agents are not tied to any specific company, they can offer multiple Fort Worth ATV insurance quotes to compare. They can also provide personalized advice based on where you live and the way you use your vehicle. Find a member agent today to save time and money while protecting your ATV.

ATV Risks

  • Between 1982 and 2011, Texas recorded 612 fatalities from ATVs and UTVs
  • 144 or those were children who were less than 16 years old

Fort Worth ATV Insurance Costs

There is no one set premium for an ATV policy in Fort Worth. Like most insurance products, ATV insurance rates depend on factors unique to the insured. The way you use your ATV, your auto driving record, and the specifications of your all-terrain vehicle will all play into the rate quotes you get from insurance companies.

If you tow your vehicle to the Village Creek Motocross for a weekend ride with your family, you will have one set of coverage needs. If you use a UTV (utility task vehicle) to run your Arlington landscaping business, you will have a different set of coverage needs. People use ATVs for everything from hunting and recreation to farming and ranching work. Your local Trusted Choice network agent will be happy to discuss your personal situation and provide you with cost estimates and personal advice.

Fort Worth ATV Insurance Risks

Driving an ATV or UTV is quite different than driving a car or motorcycle. Most ATVs are used off-road in areas that have rough or rocky conditions, poor visibility, or other challenges. While helmet use is required on Texas public lands, much ATV use is on private property where there are limited safety regulations or enforcement.

Insurers may increase rates for higher risk operators, like young children or teens. An approved safety class may help you get discounts on Fort Worth ATV insurance, and may keep your loved ones safer on the trails.

What You Can Do to Reduce ATV Insurance Costs

If you are considering the purchase of a new or used ATV, remember that insurance should be factored into the cost of ownership and operation. Here are some recommendations that can keep those expenses down:

  • Your driving record will affect rates. If some of your points for past violations are about to be eliminated, it may make sense to wait.
  • Your credit score also affects rates. Check to be sure the reporting agencies have accurate information.
  • Understand the different rates applied to 3-wheelers vs. 4-wheelers, side-by-side vehicles, ATVs vs. UTVs, and the use of accessories.

Fort Worth ATV Insurance Coverage Choices

In some ways, ATV policies are similar to any other vehicle and property insurance policies. You may choose to insure your ATV for damage. You may also purchase liability coverage in case operating your vehicle damages somebody else’s property or causes an injury. Finally, you can purchase insurance that helps pay medical bills in the event anybody operating or riding on your vehicle is injured. It is important to discuss these options with your local independent agent in the Trusted Choice network:

  • ATV collision insurance
  • ATV comprehensive insurance
  • ATV bodily injury and property damage liability coverage
  • Uninsured/underinsured motorist coverage
  • Medical Payments

Fort Worth ATV Insurance Quotes

Do you know where to start looking for Fort Worth ATV insurance? Do you have a UTV, side-by-side, or three-wheeler that you aren't sure how to properly cover? Getting in touch with a local independent agent in the Trusted Choice network can be a great place to start. These independent agents can explain ATV policies and help you choose the best coverage options. They also provide free Fort Worth ATV insurance quotes from multiple companies. Contact a member agent today for answers to your questions about insurance for ATVs.

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